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.

How it works

  1. 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.

  2. Your purchases count toward a credit statement that Step automatically pays on time.

  3. When you turn 18, you can opt in for Step to report your credit history to the major credit bureaus.