BUILD CREDIT FOR FREE

By simply using your Step Visa Card ̍

STEP USERS IN THEIR
20S IMPROVE THEIR
SCORE BY AN AVERAGE
OF 57 POINTS

BUILDING
CREDIT
WITH STEP
IS EASY

TransUnion research ͆

Use Your
Card

Build Credit
History

"Step has helped me establish a long credit history and boosted my score over 100 points. I had a student credit card with a score of 600. Once I opted in with Step, I got a score of 700."

Dorothy M.

WINNERS BADGE - Credit Building Innovation_Winner_2024 2.png

Step users have an average initial credit score of 721 ^֠

Download Step

BETTER CREDIT MATTERS

And saves Step users money where it matters most

Build Your Credit

		Very Poor 300-600
Car Insurance Learn More	$147/mo	$250/mo
Student Loan Rates Learn More	6.24%	10.46%
Security Deposit Learn More	6.24%	10.46%

85 POINTS SO FAR

My credit score is constantly increasing, 85 points so far. I love the borrow option.

Brandon Thompson

MY CREDIT SCORE IS 734

You guys are amazing! My credit score is 734 and I just turned 18 a couple weeks ago! This will be amazing for my student loans. Thanks you!

Michael P.

AMAZED THAT IT WAS SO HIGH

I knew I was building credit but was amazed that it was so high. I have been a Step customer for almost a year and am so grateful to have had the opportunity to build a positive credit history even before turning 18.

Sham K.

Participants may be compensated for their participation. Numbers are for illustrative purposes only.

WE KNOW WHAT YOU'RE WONDERING...

How do you set up Step direct deposit?

Setting up direct deposit with Step is simple. Open the Step app, tap on Move Money, and select Direct Deposit. You can set it up instantly by choosing your employer, signing in to your payroll provider, and setting your deposit allocations.

If your employer isn't listed, you can either share a prefilled direct deposit form with them or manually copy your account and routing numbers to provide directly.

How often is credit reporting updated?

Step reports your credit history to the bureaus every month.

Can I really get Step Black for free with direct deposit?

Yes! To get Step Black for free, simply receive $500 or more in monthly direct deposits.

With Step Black, you'll enjoy premium benefits like up to 8% cashback on purchases, 5.00% on your FDIC-insured savings, and $500 in annual perks — like dining, shopping, and entertainment credits.

What do you report and to who?

We will report your credit history to Experian, Equifax, and Transunion. Once you opt in, we report up to 2 years of your history.

What is direct deposit and how does it work?

Instead of waiting for a paper check in the mail, direct deposit allows you to automatically receive your hard-earned paychecks into your Step or Step Black Account. It’s convenient, secure, and saves you a trip to the bank.

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