Winners Badge

THE FREE, SAFE, AND EASY WAY TO BUILD CREDIT FOR TEENS

With Step, everyone can earn 4.00% on their savings ̾, build positive credit history ̍, and enjoy cashback˖˖ together.

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App Rating
96,000 Reviews

Credit

Learn how you can help your kids and
teens build their credit history early

Savings

Learn how your family can
earn 4.00% on your savings

Security

Learn about Step's security
features to keep everyone safe

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Step users have an average initial credit score of 721֠

START THEIR CREDIT JOURNEY EARLY

Step is the best way for your child to build a positive credit history before they turn 18, without the risk of overspending or missing payments.

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Very Poor
300-600
Car Insurance
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$147/mo
$250/mo
Student Loan Rates
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6.24%
10.46%
Security Deposit
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6.24%
10.46%

TransUnion Research ֕

1

They use
their card
and can’t
overspend

2

Purchases
build positive
credit history

3

Start reporting
their credit
history at 18

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Mission: Improve the financial future of the next generation

Easily send and receive money

Instantly add money to their account, automate their allowance, track their balance, and give them control of their paycheck with direct deposit.

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Rewards for healthy habits

The entire family can enjoy up to 8% cashback on purchases and $500 in annual credits͑ to help you get more for less.