Step Black now available: Up to 8% cashback, $500+ in annual perks, and 5% on savings up to $1M.

Banking that
Builds
Credit

Scan to get started

Earn 5.00% on your savings¹, build credit, invest, and get rewarded all in one place.

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 a qualifying direct deposit

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

App Rating
63,000 Reviews
homepage fullbleed 01
Get more
for less
Get more
for less
Choose Your Card:
step-card

Step

No subscription fees
step-black-card

Step Black

$99 per year
Age Requirements
All Ages
13+
Credit Building Card
Build a positive credit history (even before you turn 18) with a secured Visa Card.²
Learn more
Savings
Set goals, automatically save with Round Ups, and earn 5.00% on your FDIC-insured savings balance.¹
Learn more
5.00% with a qualifying direct deposit⁴
5.00% No direct deposit required
Get Paid Early
Set up direct deposit with Step and get paid up to 2 days early.⁵
Learn more
Safety and Security
You’re covered with FDIC-insurance, Visa’s Zero Liability Policy³, merchant blocking, and lost card protection.
Learn more
FDIC Insured up to $250,000
FDIC Insured up to $1,000,000¹²
Investing
Buy fractional shares of thousands of stocks, ETFs,⁶ and bitcoin⁷ with as little as $1. No stock commission fees.
Learn more
Borrowing
Need extra cash? Get up to $200 and peace of mind in minutes. Interest and eligibility requirements apply.⁸
Rewards
Earn cashback on everyday purchases and turn spending into saving.⁹
Learn more
Up to 3% cashback with qualifying direct deposit⁴
Up to 8% cashback¹⁰
Exclusive Perks
Elevate your everyday with annual dining, shopping, wellness, and entertainment credits.
Learn more
Over $500 in annual perks¹¹
Visa Signature
Enjoy exclusive access to presale, special guest status at Signature Luxury Hotel properties, and more.
Metal Black Card
Imagine the satisfying clink of a 17g, laser engraved metal card that’s numberless for extra safety.
Learn more
Priority Support
Go to the front of the live customer support line if you need help.

Choose Your Card:

step-card

Step

No subscription fees
step-black-card

Step Black

$99 per year
homepage split 01

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.”

Got Questions?