App Rating
65,000 Reviews

"It helped drastically"

"I didn’t have a score before it but when I chose to opt in to credit reporting it helped drastically. It brought me from no established score to 735 in one night... My grandmother got it for me so she could pay for helping do chores and if me and my siblings decided to go anywhere."

John C., 18 years old


How Credit works with Step

  1. Your child can use their Step Visa Card to make purchases up to the amount that is in their spending account. They can’t overdraft.

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

  3. When they turn 18, they can opt in for Step to report their positive credit history to the major credit bureaus.


Will Smith
Co-Founder at Dreamers VC

Investor Spotlight

“It was hard to find a banking platform that was intuitive and met our needs as a family. We’ve reinvested in Step because not only are their products built specifically for teens but they’ve started an important conversation around financial literacy that kids are actually engaged in.”

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