Step: Instant Cash and Rewards 4+

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.

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! 💙💗💛

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.

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! 💙💗💛

I have been banking with Step for 2 years now. And, as a teen myself… being able to get a jumpstart on building credit history before 18 is something I believe is very crucial. I am so glad an app like Step is so available and able to offer that to millions of teens. The card itself is amazing, it is a credit card. However, you can only spend what is in your account, so no over-drafting or debt! Additionally, I haven’t had any issues, refunds are always fast, customer service is always helpful and kind, and the app itself is very thoughtfully planned out and designed. I enjoy it thoroughly. As a result, I have decided to try out their premium program, Step Black. I have been nothing but satisfied and hope they continue to improve. I have recommended this company to many of my friends and colleagues, all so far have been satisfied as well.

Thank you so much for your incredible review, AngryAppleBoy#1! We are elated to hear that Step has been a crucial and helpful part of your financial growth. We're also excited to know that you've become a Step Black member! Enjoy those benefits :). Thank you again for your review and for being a part of our #StepFam 💙💗💛