Build Credit
with Step

Step is the best way to build a positive credit history before you turn 18¹. The Step Visa Card with Smart Pay prevents you from missing payments and spending more money than you have.

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50,616 Reviews

“My Credit score is 734 and i just turned 18...”

“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. Thank you!”

Michael P.

“Amazed that is 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.

“Boosted my score Over 100 Points.”

“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.

“It brought me from no score to 735...”

“I didn’t have a score before but when I chose to opt in, it helped dramatically. It brought me from no score to 735 in one night because I was using Step previously.”

John C.

Participants may be compensated for their participation.

What is a Credit score and why is it important?

A credit score is a number between 300 and 850 that represents how responsible you are with money. Your ability to get affordable rates on things like student loans, cars, apartments, and cell phone plans depends on your credit score. The higher the score, the more likely you are to get approved with lower interest rates and premiums, ultimately saving you money. A “good” score is considered 670-739 by FICO and 661-780 by VantageScore 3.0².

The average step user has an initial Credit Score of 723
when they turn 18³

Building credit is simple with Step

We designed the Step Visa Card to make building positive credit history easy because you’ve got other things to think about. Like your hopes and dreams.

Use your
card

Make purchases with your Step Visa Card. They don’t have to be big purchases but it’s best if you use your card regularly.

Build YOUR Credit History

With Smart Pay, your purchases are automatically paid off every month using the funds in your deposit account.

Report your Positive History

Opt in for us to report the positive payment history you’ve accumulated to the credit bureaus. You must be 18 to opt in.

It pays to build credit with step

Rates are determined by a number of factors, including credit scores. Here is what an 18 year old Step user with a score of 725 could pay compared to costs associated with lower credit scores.

Car Insurance
could cost
$147/MO or $250/MO⁴

student loan interest rate
could be
6.24% or 10.46%⁵

a security deposit
could be
1 mo rent OR 2 mo rent⁶

Knowledge is power

Check out some of these ...

How do credit scores work? A guide for teens — How do credit scores work?

Woman paying with apple pay — Why is building positive credit important?

We know what you’re Wondering...

How are credit scores calculated?

In general, there are 5 factors considered in credit score calculations: your payment history (35%), how much you owe (30%), the length of your credit history (15%), the types of accounts you have (10%), and recent credit activity (10%).

How often is credit reporting updated?

Step reports your credit history to the bureaus every month.

How do I opt in to credit reporting with Step?

If you are 18 or older, you can opt in to credit reporting by visiting your account information from the menu bar. Scroll down to “Account Management”, tap “Credit Reporting”, and select “Opt In.”

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 steps can I take to improve my credit score?

In general, it’s best to use loans and credit cards responsibly, make prompt payments, limit applying for new accounts, and keep old accounts open. Improving your score takes effort and patience.

Build Credit with Step