Step Black: Get up to 8% cashback, $500+ in annual perks, 5% on savings, and it's free with direct deposit

Banking that
Builds
Credit

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Earn 5.00% on your savings¹, build credit², invest³, and get up to 8% cashback on every purchase⁴.

We’ll text you a link to download Step

The best way to build credit history2

(even before you turn 18)

powered by visa

Powered by Visa with built-in fraud protection and Zero Liability³ guarantee for unauthorized charges

fdic insured

Banking services are provided by Evolve Bank & Trust and FDIC-insured up to $1,000,000¹²

Earn 5.00% on your savings1

With Step Black

Banking services provided by Evolve Bank & Trust, Member FDIC. Step is a financial technology company, not a bank.

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61,000 Reviews
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Step

No subscription fees
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Step Black

Free with Direct Deposit or $4.99/month⁷
Age Requirements
All Ages
13+
Credit Building Card
Build a positive credit history (even before you turn 18) with a secured Visa Card.²
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Savings
Set goals, automatically save with Round Ups, and earn 5.00% on your FDIC-insured savings balance.¹
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5.00%
Rewards
Earn cashback on everyday purchases and turn spending into saving.⁸
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1% cashback at revolving merchants
Up to 8% cashback⁴
Get Paid Early
Set up direct deposit with Step and get paid up to 2 days early.⁹
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Safety and Security
You’re covered with FDIC-insurance, Visa’s Zero Liability Policy³, merchant blocking, and lost card protection.
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FDIC Insured up to $250,000
FDIC Insured up to $1,000,000⁶
Exclusive Perks
Elevate your everyday with annual dining, shopping, wellness, and entertainment credits.
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Over $500 in annual perks¹⁰
Investing
Buy fractional shares of thousands of stocks and ETFs with as little as $1. No stock commission fees.³
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Borrowing
Need extra cash? Get up to $200 and peace of mind in minutes. Interest and eligibility requirements apply.⁷
Metal Black Card
Imagine the satisfying clink of a 17g, laser engraved metal card that’s numberless for extra safety.
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Optional
Visa Signature
Enjoy exclusive access to presale, special guest status at Signature Luxury Hotel properties, and more.
-
Included with Premium 17g Metal Card

Choose Your Card:

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Step

No subscription fees
step-black-card

Step Black

Free with Direct Deposit or $4.99/month⁷
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Stephen Curry, 4X NBA CHAMPION & CEO at SC30

Investor Spotlight

“I know what a critical life skill money management is...Step helps facilitate conversations about money and makes it easy to get a taste of financial freedom with a built-in safety net and lots of teachable moments.”

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