The Step Visa Card is a secured credit card that allows you to make purchases up to the amount that is in your Step Spending Account. With Smart Pay, your purchases are automatically paid off at the end of each month so you never have to worry about a bill or payments. We report your transaction history as positive payment history to the credit bureaus for all verified adult accounts.

Nope, it’s just part of the deal with Step.

Yes! The Step Black Card sees your potential, not your past. There’s no credit check and you don’t need to have a credit score of any kind to sign up. You can work on building your credit history once you get the card.

Here’s the short answer: When you have a good credit score, you can get better terms and lower interest rates on basically everything – auto insurance, student loans, cell phone plans, and much more. Low scores or no scores can cost you money. Learn more here.

Step reports your credit history to the bureaus every month.

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