Step Visa CardStep
Terms checked 2026-10-23
A secured spending card with credit reporting after adult verification and rewards tied to Step Black
Special bonusAF: $0Rating: 6.9/10
Step
A family banking app built for teens, with a secured Visa that quietly accrues payment history years before adulthood. When users turn 18, Step can report up to two years of existing history, letting them start adult life with a real score.
Application Rules
- ▸Users under 18 need a parent or guardian to sponsor the account
- ▸No credit check at any age; spending is limited to the account balance
- ▸Credit history reports to the bureaus only after the user turns 18 and opts in
Tracked Step Cards