Copper clusters exhibit superior catalytic activity for the CO2 reduction reaction (CO2RR), and their defined structures endow them with unique advantages for modelling the catalytic mechanism at the atomic level. Additionally, the construction of highly stable and regularly structured covalent organic frameworks (COFs) based on copper clusters still presents significant challenges. Herein, we reported two highly stable and reactive cluster-based COFs (termed Cu4COF-1 and Cu4COF-2) constructed via a stepwise assembly strategy. The epitaxially amino-modified Cu4 cluster (Cu4-NH2) was initially synthesized based on coordination bonds. Then, Cu4COFs were obtained by the covalent linkage of Cu4-NH2 clusters and organic linkers. Compared with isolated Cu4 clusters, the Cu4COFs exhibit greater stability, a narrower band gap, a larger specific surface area, and better charge transfer ability, which endow them with superior photocatalytic CO2RR performance under visible light. In situ infrared spectroscopy and density functional theory (DFT) calculations revealed that the covalently linked Cu4COFs could efficiently lower the energy barrier for the formation of the critical *COOH intermediate, thereby enhancing the photocatalytic activity. This study offers a solid basis for the atomically precise construction of novel metal-cluster-based COF catalysts.