Build your credit history effortlessly

Step is the only card that allows both adults and people under 18 to safely build their credit history. You simply deposit money into your Step Account and spend up to that amount with your Step Visa Card, without having to worry about over spending or missing a payment.

This card has really changed my financial life

Step has really helped me in my financial journey by giving me a head start to what the real world is all about. Without credit, you can’t buy houses, cars, rent an apartment and do things like those. This card has really changed my financial life and in such a positive way and i’m so grateful that a company like Step is out to help teens becomes very stable financially.

— Joshua - Step User, 725 credit score

Amazing!!!

You guys are amazing!!! My credit score is 734 and I just turned 18 a couple weeks ago!! This will be amazing for my student loans thank you!!

— Michael, Step User

This card has really changed my financial life

— Joshua - Step User, 725 credit score

This card has really changed my financial life

— Joshua - Step User, 725 credit score

How it works

You can securely make card purchases up to the amount that is in your Step Account, and every month counts towards building your credit history.
Your purchases count toward a credit statement that Step automatically pays on time.
When you turn 18, you can opt in for Step to report your credit history to the major credit bureaus.

Learn more about credit scores

Debit & Credit
How do credit scores work? A guide for teens →

Woman paying with apple pay — Banking Basics
Why is building positive credit important? →

A Guide to Debt & Credit For Teens — Debit & Credit
How can a teenager build credit? →

FAQs

Why should I opt in to credit reporting? Why is this a good thing?

By opting into credit reporting, you are allowing Step to report your credit history to the credit bureaus. This makes it possible for lenders to determine your credit score. Having a good credit score can help you save money on loans, interest, and more.

How does Step build my credit?

With Step, you can only spend the money that is in your Step Account. That means you can’t overdraft. Every month when you use your Step Card, Step is automatically paying your bill which in turn builds your credit history.

Who is eligible to opt in to credit reporting?

Anyone who is 18 or over can opt in for Step to report their credit.

For those under 18, using your Step card still builds a positive credit history, but you will not be able to opt to report that history until you turn 18

I don't see Step on my credit history.

First, you have to make sure that you’ve opted in to credit reporting (remember you must be 18 or over). After opting in, It might take a few weeks before you see Step on your credit report.

How often is credit reporting updated?

Step reports your credit history to the bureaus every month.

How do I view my credit score?

Currently, you won't be able to view your credit score in the Step app, but we're working on it. You can learn more about accessing your credit score by visiting the websites of any of the three credit bureaus, Experian, Equifax, and TransUnion.