Safely build credit before you turn 18

Step is the only card that allows both adults and people under 18 to safely build their credit history. With Step, you can deposit money and safely spend up to that amount, never having to worry about over spending or missing a payment with your Step Card.

Card and credit score

How it works

  1. You securely spend the money that is in your Step Account, and every month counts towards building your credit history.

  2. Your purchases count toward a credit statement that Step automatically pays on time.

  3. When you turn 18, you can opt in for Step to report your credit history to the major credit bureaus.