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.

App Rating
96,000 Reviews

Credit

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

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Savings

Learn how your family can
earn 4.00% on your savings

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Security

Learn about Step's security
features to keep everyone safe

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I have a 750 credit score

I downloaded this app when I first turned 14 years old when I got my first job. It is now four years later that I turned 18 years old and I have a 750 credit score. This app is amazing and helped me start so early. I am so thankful thank you Step!

Jayjay9742

84% of 18 - 19 years olds have no credit history. Don’t let your kids be one of them. ͛

My son has had his card since 13

Very awesome family card, I love it and my son has had his card since 13 years old, and had his first job deposit pay to his Step!!!

Cori

Fantastic app

Fantastic app helps me build for my child's future. I add as I go and created a weekly allowance they don't even know I'm doing it but in a few years it will be massive.

John Hubert

Participants may be compensated for their participation. Numbers are for illustrative purposes only.

WINNERS BADGE - Credit Building Innovation_Winner_2024 2.png

Step users have an average initial credit score of 721^֠

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.

Start Building Credit History

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

TransUnion Research ^֕

Step users have credit scores that are, on average, 125 points higher than the national average when they start reporting their credit.

TransUnion Research ^֕

Get them on track to good credit even before they turn 18

They use
their card
and can’t
overspend

Purchases
build positive
credit history

Start reporting
their credit
history at 18

Safe and secure

Step empowers you to block merchants, freeze
cards, and monitor spend. The Step Card is
covered by Visa’s Zero Liability Protection
Policy** and FDIC-insured up to $1,000,000.***

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.

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.

Start Earning