THE FREE, SAFE, AND EASY WAY TO BUILD CREDIT FOR TEENS

With Step, users have credit scores that are, on average, 125 points higher than the national average when they start reporting their credit at 18. Plus, everyone can earn 3.00% on their savings, build positive credit history, and enjoy cashback together.

App Rating
100K+ Reviews

Credit

Learn how you can help your kids and teens build their credit history early
Build Credit Early

Savings

Learn how your family can earn 3.00% on your savings
Earn 3.00% on Savings

Security

Learn about Step's security features to keep everyone safe
See Security Features

I have a 750 credit score

I downloaded this app when I first turned 14 years old when I got my first job. It is now four years later that I turned 18 years old and I have a 750 credit score. This app is amazing and helped me start so early. I am so thankful thank you Step!
Jayjay9742

84% of 18 - 19 years olds have no credit history. Don’t let your kids be one of them.

My son has had his card since 13
Very awesome family card, I love it and my son has had his card since 13 years old, and had his first job deposit pay to his Step!!!
Cori

Fantastic app
Fantastic app helps me build for my child's future. I add as I go and created a weekly allowance they don't even know I'm doing it but in a few years it will be massive.
John Hubert

Step users have an average initial credit score of 721

START THEIR CREDIT JOURNEY EARLY

Step is the best way for your child to build a positive credit history before they turn 18, without the risk of overspending or missing payments.

TransUnion Research
Step users have credit scores that are, on average, 125 points higher than the national average when they start reporting their credit.

Get them on track to good credit even before they turn 18

1. They use their card and can’t overspend
2. Purchases build positive credit history
3. Start reporting their credit history at 18

GET OVER 7X THE NATIONAL AVERAGE

Whether it’s for college or a car, or the future, Step has one of the best rates in the nation with no minimums and no limits — so you can access your money whenever you need it.

How much do you already have in savings?

How much are you planning to save each month?

How long do you plan to save for?

Annual Savings Rate %

Show me the money

Safe and secure
Step empowers you to block merchants, freeze cards, and monitor spend. The Step Card is covered by Visa’s Zero Liability Protection Policy and FDIC-insured up to $1,000,000.

Mission: Improve the financial future of the next generation

Easily send and receive money

Instantly add money to their account, automate their allowance, track their balance, and give them control of their paycheck with direct deposit.

Rewards for healthy habits

The entire family can earn unlimited cashback on everyday essentials, so you get more for less.

WE KNOW WHAT YOU'RE WONDERING

How does Step help my child build credit?

The Step Visa Card is a secured credit card that allows your child to make purchases up to the amount that is in their Step Spending Account. With Smart Pay, their purchases are automatically paid off at the end of each month so they never have to worry about late payments. Once they turn 18 and verify their accounts we'll report their existing transaction history as positive payment history to the credit bureaus.

What’s the best way to take advantage of the 3.00% rate?

To maximize your earnings, we suggest doing your best to score Step Black! Step Black status can be earned by spending $500 with your Step Card or by receiving $300 in qualifying direct deposits each calendar month, and members earn 3.00% on their savings. Terms apply. Plus, consistent contributions, combined with the 3.00% rate, can help your savings grow faster and help you reach your financial goals sooner.

Why choose Step over other options, like Greenlight?

There are no monthly subscription fees, no account minimum fees, no in-network ATM fees, no interest, and no overdraft fees. Plus, it’s the only card that allows your child to build a positive credit history.

What parental controls do I have?

As your child’s parent or guardian, you get to determine when they’re ready for this next step in their financial journey. Without your permission, they can’t invest if they are under 18.

If you do enable stock investing, you can also use tools in the app to guide their decisions. You determine what types of assets they can access (i.e low, moderate, highly volatile).

Can I use the app to send and receive money to friends and family?

You sure can! You can use Step’s peer-to-peer payment feature to pay a friend back for lunch, receive rent from your roommate, or get your birthday cash from grandma. You can send money to people who aren’t on Step yet but in order to receive money from others, they’ll need to have their own free Step Account.

What does it mean that Step is a secured card?

The card doesn’t let your child spend more than they have in their account (like a debit card) but it builds their credit history (like a credit card)!

Is Step safe and secure?

Step has the same protection as major cards and banks. Deposits are insured up to $250,000 by our bank partner, Evolve Bank & Trust, member FDIC.

Can I set up recurring transfers to my teen?

Step makes it easy for you to set up recurring payments - including to your teens for things like allowances, school lunches, chores, or just for fun! Here's how:

• Open your Step account and tap Move Money at the bottom of the screen
• Scroll down do Recurring Transfers and add a new Recurring Transfer
• Select the funding source
• Select Someone Else and enter your teen's details
• Enter the amount, frequency, and add a note
• Tap Done, double-check the details and Confirm

After the recurring payment has been created, it'll appear in your Recurring Transfers list on the Move Money tab. You can tap on an existing transfer to edit, skip a week, or delete it altogether.

What happens when my child turns 18?

Step is designed to support your child through adulthood. When they turn 18, they have the opportunity to become the sole owner of their Step Account and unlock new features, like credit reporting.