Your child’s financial future
starts now

Help them get ahead with the only card that allows kids and teens under 18 to build positive credit history1 while developing smart spending habits.

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Help them build credit early

Step is the only card that allows your child to build a positive credit history before they turn 18. Good credit can save them serious money when they take out a student loan, finance a car, or rent an apartment.

Supercharge their savings

They can set goals, round up purchases to save spare change, and get money back when they use their Step Visa Card at select merchants. The more ways to save, the better.

Reward them for smart spending

Your child can earn rewards5 when they use their Step Visa Card for some of their everyday spending. It pays to be financially responsible.

Send money and automate allowance

Skip the trips to the ATM and instantly send money to your child – for emergencies, field trips, or just because. Automate allowances and decide how often you’d like their payout to hit.

Learn About Money As a family

Add up to 4 family members to your Step Account, including your partner or another adult. Easily track all of your kids’ spending and saving activity from your app.

Invest in their future

Introduce your child to the power of investing with as little as $1. Step offers stocks and bitcoin in a controlled environment.

We know what you’re wondering

What does Step cost?

A Step Visa Card and deposit account doesn’t cost anything! There are no hidden fees, no monthly fees, no in-network ATM fees, and no overdraft fees.

What about overdrafting?

Your child’s Step Account prevents them from spending more than what they have in their spending account so they aren’t at risk of paying pesky overdraft fees.

Does Step check my credit?

No! We ask for your SSN when you first open an account because federal regulations require us to verify your identity, but we don’t do any inquires against your credit.

Is Step secure?

Yes! Step has the same security features as any other major financial institution. All transactions are protected by Visa’s Zero Liability Protection.

84% of people
18-19 years old have
no credit history6
84% of people
18-19 years old have
no credit history6

With Step, your child won't be one of them.

With Step, your child won't be one of them.


"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.”

Got Questions?

  • Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. The Step Visa Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.
  1. Positive history is reported on and related only to your Step Visa card activity, subject to your account remaining in good standing. On-time payment history can have a positive impact on your credit score, and late payment history may negatively impact your credit score. The Step Visa Card, when set up with SmartPay, is designed to keep accounts in good standing to help build positive credit history. Step will report your activity to Transunion®, Experian®, and/or Equifax®. Even when we report positive credit history relating to your Step Visa card activity, your credit history and score may be impacted by your activity outside of your Step Visa card (including any other products offered through Step and any activity external to Step), as credit histories and credit scores are built by credit bureaus based on a number of factors, including the financial decisions you make with products outside of the Step Visa Card.
  2. Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
  3. Banking services provided by Evolve Bank & Trust, Member FDIC. Step is a financial technology company, not a bank.

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