Step Secured Card

Step| Bright App to build credit

Credit needed
Limited or Bad Credit
0% for starting 6 months, 17.24% and 18.24% later
Annual Fee
$29 to $99

Card Summary

  • Ideal for individuals looking to rebuild or establish credit
  • No credit check is required for approval
  • Offers a secured credit line, which can be increased with responsible use
  • Reports to major credit bureaus, helping you improve your credit score
  • Competitive APR and annual fees

Card Summary - Cons

  • Requires a security deposit
  • No traditional rewards program
  • Limited credit limit initially

Rates and fees

Issuer Name
The Bank of Missouri
Penalty APR
Not Available
Credit Needed
Limited or Bad Credit
Balance Transfer Fee
Not Available
Annual Fee
$29 to $99
Cash Advance Fee
0% for 12 months, 2%later
0% for starting 6 months, 17.24% and 18.24% later
Foreign Transaction Fee
Not Available


  • No credit check for approval
  • Reports to major credit bureaus
  • Competitive APR
  • Opportunity to increase your credit limit with additional deposits

Comparative Analysis with Other Cards

When compared to other secured credit cards, the Step secured card stands out due to its lack of a credit check requirement for approval. Many other secured cards may have stricter approval processes. Additionally, the competitive APR makes it a cost-effective choice for those who may need to carry a balance. However, it's important to note that this card doesn't offer traditional rewards, which can be a drawback for some consumers.


The Step  secured credit card is an excellent choice for individuals who want to take a significant step toward financial evolution. Its unique feature of not requiring a credit check for approval makes it accessible to a broader audience, and its competitive APR and annual fees make it an attractive option for those who need to rebuild or establish their credit. 

While it lacks traditional rewards, the potential for credit improvement and the opportunity to increase your credit limit make this card a valuable tool for building a more secure financial future.

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Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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