{"card":{"slug":"step-visa","name":"Step Visa Card","issuer":"step","currency":"Cash Back"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://step.com/","history":[{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"No welcome offer"},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":0,"spend":0,"months":0,"note":"No welcome offer. Step Visa: no interest and no hidden fees, unlimited 1% cash back plus 10% at select Step Black partners, up to two years of history before 18","sourceUrl":"https://step.com/","sourceLabel":"Step product page"},{"date":"2026-10-23","observedOn":"2026-10-23","bonus":0,"spend":0,"months":0,"note":"No standard public card welcome bonus identified on the checked product page. Referral and targeted promotions have separate eligibility. Unlimited 1% cashback requires Step Black","sourceUrl":"https://step.com/","sourceLabel":"Step product page and rewards disclosures"}],"verificationEvents":[{"id":"a28a1b66-2f96-4cd2-91d5-a092efa8113d","entityType":"card","slug":"step-visa","checkedAt":"2026-10-23T08:51:38.973Z","recordedAt":"2026-10-23T08:51:38.973Z","sourceUrl":"https://step.com/policies/accountagreement","sourceLabel":"Step card agreement, rewards, Black terms, FAQ and product disclosures","outcome":"changed","summary":"Reverified card fees and current rewards, corrected core age and Black eligibility, removed guaranteed credit-score and impossible-default claims, added study limitations and six FAQs. Preserved older offer-history observations and appended the October 23 current public-offer check; referral promotions remain separate.","changedFields":["creditScore","tagline","currentOffer","offerHistory","earningRates","benefits","pros","cons","ourTake","bestFor","lastVerified","editorialReview"],"previousHash":"0f2ce605258eb2b18610cf95cd31d1260af9fa656780bf7405373db7d4948df0","recordHash":"58078ad3f54e6663f36df7eba4d3771ec5032e78fe5d28de5cee3c4912eddd2c"},{"id":"b33aff69-cf25-4148-a31b-9ff065368f5d","entityType":"card","slug":"step-visa","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:05.309Z","sourceUrl":"https://step.com/","sourceLabel":"Step product page","outcome":"changed","summary":"No welcome offer, no interest or hidden fees, unlimited 1% cash back plus 10% at select Step Black partners, and up to two years of history reported at 18 confirmed; the direct-deposit gating claim was replaced with the Step Black requirement.","changedFields":["earningRates","benefits","cons"],"facts":{"bonus":0,"annualFee":0,"cashBack":"1% unlimited, 10% select Step Black partners","bank":"Evolve Bank & Trust","historyBefore18":"up to 2 years"},"previousHash":"f1f29b7b30cfe035f115d6d258cbc4e30ac70ae1313ba4f43099c3ea727f173f","recordHash":"c840223f0d5d33c0b4788600a809f07376b824645518c5c121a04fde5014812d"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}