Step
Visa·United States only.Verified July 2026
TeenYoung AdultFDIC insuredNo monthly feeInvesting
Illustration — not the actual card design.
Strengths
- The only card in the panel that builds credit history before 18 — reports to all 3 bureaus, up to 2 years retroactive.
- Genuinely 100% free core offer — no monthly fee, no gotchas on the base account.
- Built for teens with jobs: real direct deposit and P2P payments.
Weaknesses
- Very limited parental controls — a fixed $1,000/day cap and no category blocking.
- Email-only support, no phone line when something goes wrong.
- Savings interest requires $500/mo in direct deposits, unrealistic before 16.
Monthly fees
$0/mo
$0. No monthly fee, no minimum balance, no overdraft fees.
Parental controls
Very limited: a fixed $1,000/day cap, no category blocking, no per-merchant controls.
Savings features
Up to 3% savings rewards, but only unlocked with $500/mo in qualifying direct deposits.
Security
PIN, biometric unlock, instant card lock, transaction alerts.
FDIC coverage
FDIC insured via Evolve Bank & Trust.
Investing
In-app stock and crypto investing available inside the app.
Financial education
Basic Money 101 articles inside the app.
Customer support
Email only.
Geographies
United States only.