Sign up and earn $50 when you complete a direct deposit!

Use code CDFIFTY to earn $50 when you receive your first direct deposit on Step.

  • no feesNo hidden or monthly fees
  • Get your own Visa CardTake it anywhere with Apple Pay or Google Pay
  • Send and Receive MoneyInstantly send and receive money
  • build creditBuild positive credit history before you turn 18
  • Expert-verified answersTerms and conditions apply
Charli D'Amelio with Step Card

The Step Card

A new type of personalized Visa card that has no fees or interest. Step keeps your spending safe and secure while building positive credit. Your account is FDIC insured up to $250,000.

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The Step Card

Earn with Step

Earn unlimited rewards through our referral program. Share your unique link or code with friends and earn $10 for each person that joins. Join the Step Squad to earn $15 per referral!

earn with step

Get your Step Card

  1. Get the app

    Download the Step App and create your account. In the app menu, type referral code CDFIFTY.

  2. Design

    Pick your favorite color and customize your Step Card.

  3. Ask an adult

    Have them download the app and create their own account to unlock your Step Card.

No fees. None. Ever.

Step is built so we don’t have to charge you fees. There are no monthly, overdraft, ATM or late fees and no minimum balance required.

No Fees. None. Ever.

Instantly send and receive money

Need to pay back a friend or split lunch? Send and receive money from your friends or family members directly in the Step App.

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Adding money to your account is easy

Link your Step Account with other apps, debit cards and bank accounts to make sure you always have enough funds. You can set up a direct deposit for your paycheck and have your parents send you money instantly or set up an allowance.

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Say goodbye to cash

Shop anywhere Visa is accepted, even online. Use your Step Card with Apple Pay or Google Pay to quickly and securely pay without touching the screen or keypad.

Tap & Pay logos

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Build positive credit

The Step Visa Card lets you securely spend with the benefit of building positive credit towards your financial future.

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Direct Deposit Terms and Conditions

Offer available only to new Step accounts. To qualify, you must sign up using the applicable campaign link or referral code, and receive at least one direct deposit of $100 from an employer or payroll provider within the first 45 days of opening your Step account. Rewards will be deposited into your Step Account, if open and in good standing, within 7 days of receiving your qualifying direct deposit.

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