Rack Up Rewards,
Not Debt

The main benefit is you don’t have to worry about accidentally over spending or missing a card payment. By default, you can only spend up to the amount of money that you have in your Step Account. With Smart Pay, your purchases are automatically paid off at the end of every month using your funds, which builds positive credit history.

Yes, the card can pay for itself if you maximize its rewards and perks. Consider this: If you have a savings balance of $2,500, make full use of the perks, and spend just $250 a month on dining or food delivery that’s eligible for 3x points, you could get almost $350 in value for just $99 per year!

Step Black is way more rewarding than your average credit building card and more accessible than most premium cards. You can get best-in-class benefits and rewards without having a high credit score a (or any credit score, for that matter) like most black cards require.

Yes! The Step Black Card sees your potential, not your past. There’s no credit check and you don’t need to have a credit score of any kind to sign up. You can work on building your credit history once you get the card.

Yes! You can use your card anywhere Visa is accepted, which is just about everywhere that takes credit cards. You can use it to buy groceries, go out to eat, subscribe to your favorite streaming services, travel — basically everything.