FREE CREDIT BUILDING

Building credit with Step is as simple as 1 - 2- 3! Whether you are new to credit or have an established credit line, Step is here to help you improve your credit. Step users in their 20s improve their score by an average of 57 points in their first year. ͆ No it's your turn.

Start Building Your Credit

BUILDING CREDIT WITH STEP IS EASY

1. Use Your Card
   Building credit with Step is simple. Every tap, swipe, and purchase you make with your Step Visa Card helps you build credit.

2. Build Credit
   At the end of each month, Step's Smart Pay technology automatically pays your statement in full, giving you an on-time payment and improving your credit history.

3. Earn Rewards for Building Credit
   Learning new habits is a lot easier when rewards are involved! Every month you improve your credit score we reward you with Step Points..
   See terms HERE

People who start their credit journey with Step start over 125 points higher than the national average.
TransUnion Research

"Step has helped me establish a long credit history and boosted my score over 100 points. I had a student credit card with a score of 600. Once I opted in with Step, I got a score of 700."
— Dorothy M.

Participants may be compensated for their participation. Individual results may vary.

Step users have an average initial credit score of 721

Sign Up

REAL RESULTS FROM STEP USERS

Don't Get Left Behind
Step builds credit with our unique secured card and Step's SmartPay technology, which ensures you never make a late payment. With Step, you will get a Visa credit card that works for everyone, including 18-year-olds with no credit history. Step is designed to help you build credit from scratch, and gives you a head start by reporting up to two years of credit history when you turn 18.

Learn How To Build Credit With Step

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Credit Building
How Step Builds Credit (The Actual Mechanism) ⚙️

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Credit Building
How to Build Credit at 18 (Fast)

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Credit Building
The 57-Point Effect: What a Year on Step Actually Does to Your Credit Score

"My credit score is constantly increasing, 85 points so far. I love the borrow option."
— Brandon T

"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. Thanks you!"
— Michael P.

"I knew I was building credit but was amazed that it was so high. I have been a Step customer for almost a year and am so grateful to have had the opportunity to build a positive credit history even before turning 18."
— Sham K.

Participants may be compensated for their participation. Individual results may vary.

BETTER CREDIT MATTERS

And saves Step users money where it matters most

WE KNOW WHAT YOU'RE WONDERING...

How does Step help me build my credit?
The Step Visa Card is a secured credit card that allows you to make purchases up to the amount that is in your Step Spending Account. With Smart Pay, your purchases are automatically paid off at the end of each month so you never have to worry about a bill or payments. We report your transaction history as positive payment history to the credit bureaus for all verified adult accounts.

Does it cost anything to use credit reporting?
Nope, it’s just part of the deal with Step.

Is there really no credit score required to get this?
Yes! The Step Black Visa 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.

How can a good credit score help me?
Here’s the short answer: When you have a good credit score, you can get better terms and lower interest rates on basically everything – auto insurance, student loans, cell phone plans, and much more. Low scores or no scores can cost you money. Learn more here.

How often is credit reporting updated?
Step reports your credit history to the bureaus every month.

What do you report and to who?
We will report your credit history to Transunion®, Experian®, and/or Equifax®. Once you verify your adult account we report up to 2 years of your history.

See all FAQs