- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Good
Evolve Bank & Trust
Step Visa
The Step Visa is built for people who are rebuilding credit and want a simple card they can actually use day to day. Its rewards lean toward dining and a few lifestyle categories, but this is still more of a basic starter card than a long-term centerpiece.
Annual Fee
$0
Rec. Credit Score
Rebuilding
Good For
Credit rebuilding
All information about Step Visa has been collected independently by MaxRewards. Step Visa is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Step Visa worth it?
This card is great for...
Everyday credit rebuilding
Dining purchases
No annual fee use
If your main goal is getting back on track with credit, the Step Visa makes sense as a low-commitment option. The $0 annual fee keeps the bar to entry low, and the rewards are better than what many rebuilding-focused cards offer, especially if you spend regularly on dining.
It is less compelling if you are already past the rebuilding stage or want meaningful card perks. There is no welcome bonus and no listed benefits beyond the cash back structure, so most established cardholders will outgrow it quickly. This card works best as a practical stepping stone: use it responsibly, earn a bit back on everyday spending, and move on once your credit profile improves.
MaxRewards Verdict
The Step Visa is a sensible fit for someone rebuilding credit who wants a usable everyday card with no annual fee. Its main limitation is simple: outside of the rewards rates, there is not much here to keep long term once you qualify for stronger cards.
Earning
Rewards
The rewards setup is straightforward cash back, with the strongest return on dining and modest bonus rates on entertainment and streaming. In practice, think of this as a simple everyday card that gives a little extra in a few common spending categories.
CategoryRate
Dining
3%
Entertainment
2%
Streaming
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Poor
Poor
Fair
Good
Excellent
Poor credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
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Annual Fee
$60
Rec. Credit
Good
1,000 None
After you spend $2,000 on purchases on your new card in your first 4 months of card membership.
Annual Fee
$0
Rec. Credit
Good