With Step, you can build credit for free, get cashback, borrow up to $250 cash, and improve your financial future all in one app that is trusted by over 7 million people.
Step is the ultimate money app to help you build credit, grow your savings, borrow money with no interest, and get cash back. Trusted by over 7 million users, Step puts more money in your pocket and helps you become more financially independent, giving you the freedom to chase your dreams.
Why Step:
BUILD CREDIT FOR FREE: The average Step user boosts their credit score by 57 points in their first year.
CASHBACK ON EVERY PURCHASE: Get at least 1% cashback on every card purchase and up to 10% at rotating merchants.
EARN 3% ON YOUR SAVINGS: Unlock one of the highest savings rates in the country, FDIC-insured up to $1M.
EARN OVER $200/MONTH: Get paid to play games, take surveys, and more.
GET UP TO $250 WITH STEP EARLYPAY: Don’t wait for payday. Get fast cash when you need it most. No interest. No stress. No direct deposit needed. Access between $20 - $250.
More Reasons to Love Step:
• Free credit building at any age
• Step Visa Card accepted everywhere Visa is around the world
• Safe and secure with built-in fraud protection with Visa’s Zero Liability Policy
• Merchant blocking features
• No security deposit, no interest, and no hidden fees
*Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC.
1. Not everyone will qualify. Must be 18 years or older. To be eligible for loans over $100 a minimum qualifying direct deposit to your Step account is required. Offer can go up with on-time payments. Instant Transfers are available for a fee. Instant Transfers typically occur in seconds, but may take up to 30 minutes. Not all users will qualify.
2. Average based on analysis conducted by TransUnion based on 594 Step users aged 21-27 with a positive increase in their credit score within a 360-day period beginning from the first instance of Step reporting to the credit bureau.
3. Requires Step Black enrollment, either through qualifying direct deposit or paid monthly membership. Ability to earn $200+ in the form of credits on purchases or statement credits for purchases with select Step Black partners, as will be advertised. Step does not provide, endorse, or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. Enrollment may be required.
An issue that I have run into is one you cannot easily see how close you are to the limits set on your card so be ready to break out the calculator, and two while Step claims you can request a limit increase for your card, they will most likely deny you stating that you have reached the maximum allowed. While others have 5x the limits set forth for the “average everyday user”. Step is great for most things but if you think you will hit the initial limit then you need to use another bank. So if you have any unusual purchases such as vehicle repairs, income tax or anything that may be sufficiently large don’t expect to use your card or at least for awhile after the purchase. And if you get a raise and your cost of living increases they leave you high and dry when you are trying to pay bills or in the store and your cards is declining no matter how much money you have. And they don’t adapt well, not sure how they calculate spending limit needs but someone who makes $1000 a month can have a $25,000 limit on their card but someone who makes $10,000 a month can only spend $5000. If you choose to use step always have a backup and a way to quickly move funds.
Developer Response
Hi there! Thanks so much for your feedback. We understand that account limits and increase requests are important, and we’d be happy to take a look and see how we can help. Please reach out through the app or email us at safety@step.com — our team is here for you! 💙💗💛
There’s a few things that could make it better
Step 4 the W
So I’ve been using step for about a little over a year now and I like it, it’s a pretty cool app/bank. If you’re starting out on credit like I am it’s really good for that. I’m able to borrow up to just under $100 if I need to however, for the longest time (and I mean a good 6 months) I wasn’t able to because my card was declined when I accidentally used that one instead of my other card for tap pay on my phone. So that’s one thing I had a problem about. I’m tryna build credit here and it just got taken away😭😂. Another thing is finding an atm to withdraw money. I think this might just be a me problem but I can’t find an atm to save my life. I think it’s just my area however. And the last minor problem I have is Apple Pay. I send and receive money a lot through Apple Pay and it would be nice to be able to do that without having to keep my other bank account open just for that. I literally have another bank account open just to send and receive money and be able to deposit and take out cash. But other than that I love the fact it tells you what’s impacting your credit and what you need to do to get it up. Overall I give it 4 stars just because the good outweighs the bad. The problems I have aren’t keeping me from doing anything, just making everything have an extra step so I can’t hate it for that.
Developer Response
Hi there! We'll be sure to share your feedback about Apple Pay to our team. We're happy to know the Borrow feature has been helpful to you! If you're having trouble with your Step card, please reach out to us through the app or by emailing us at hello@step.com! To clarify - the credit you've built by using your Step card will never be taken away, as Step only reports positive credit. Step builds credit based on your transaction history, not based on the Step card itself. To find out more, please reach out! 💙💗💛
Slow customer support
Coconut water milk
I’ve been banking with step since I was 15, I loved it for many years even now. My only issue and my biggest issue is now support is slow to answer. My in app chat doesn’t work and they are slow when answering emails. I have been urgently trying to get a hold of them. They limited my account and cant access funds. They want me to verify my account by submitting documents but the email they send me takes me to the in app chat that doesn’t work. I’m highly disappointed especially as a customer that’s been using step for years. I loved banking with step but I feel as if I can no longer stay with them. I’m an adult now with bills and things I need to pay and can’t aces access the funds in my account. Again I’m disappointed and frustrated because it’s been days now since I last heard a response from anyone. One of their best features that I loved was the fast reply’s. Not necessarily fast but I definitely wouldn’t have been waiting days for a response. Especially when it’s this urgent. It my fault for not keeping money in another bank account but it’s ridiculous how I can’t even transfer money out. Or at least make purchases so I can pay bills. I have a kid I have to worry about and it’s hard right now not being able to get my funds. And even more frustrated my direct deposits won’t come through. Step do better and try to fix these issues your a good bank but this is a major issue that’s affecting me financially, and my everyday life.
Developer Response
Hi there, We’re so sorry to hear about this and absolutely want to help. Our customer support team is available from 6 AM to 7 PM (PT) Monday to Friday, and 6 AM to 6 PM (PT) on weekends and holidays. However, it sounds like your Step account may have been limited as part of our safety review. Please check your email on file for an email from our Safety team and email us at safety@step.com so we can assist you directly. We're here to help 💙💗💛
First card you should get
Ricky2140
I have used Step for about 3 and a half years now, and all I can say is that it has been my go-to card for everything. The app is super easy to use and user-friendly. I love how you are able to invest when you were not 18 yet. Along with that, you can build your credit at such a young age, so once you turn 18, you are already ahead of everyone. Customer support is super friendly and fast. I had to contact them when I got locked out of my account one night, and they got me back in the next day. I had tried multiple credit card companies, but I have not ever been able to build credit because I had no credit, so no one would give me a card. Step fixed that and got me on the road to success. I am forever grateful for what they have done. The card is free to use, but they do have a paid card if you want extra features. My only recommendation is bringing back the annual fee for the Black card as that is something I enjoyed instead of paying monthly. I am now 19 and already have a credit score of over 700 I will continue to use this card. I will always recommend this card to anyone who is either just starting out or needs to build credit.
Developer Response
Wow, Ricky! Thank you so much for taking the time to share your experience with us. We're elated to know that Step has been a helpful tool for your financial growth. Thank you for being a part of Step! 💙💗💛
With Step, you can build credit for free, get cashback, borrow up to $250 cash, and improve your financial future all in one app that is trusted by over 7 million people.
Version 26.10.0
The developer, Step Mobile Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Step Mobile Inc
Size
231 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
Languages
English
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
