{"app_store_id":1438006983,"slug":"step-all-in-one-money-app-1438006983","name":"Step: All-In-One Money App","subtitle":"Build, Spend, Save, and Borrow","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/5d/98/b5/5d98b575-9503-7131-d072-abc71729c81f/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/step-all-in-one-money-app/id1438006983?uo=4","price":0,"currency":"USD","rating":4.73979,"rating_count":82139,"in_app_purchases":false,"recent_rating":2.8,"recent_review_count":20,"reviews_checked_at":"2026-10-17T02:29:13.388Z","primary_genre":"Finance","version_date":"2026-10-05T16:48:00Z","updated_at":"2026-10-21T19:24:13.456Z","stale":false,"missing_since":null,"one_liner":"Free money app for credit building, savings, card cash back, and short-term advances with a Step Visa Card.","verified_maker":false,"maker_site":null,"file_size_bytes":258600960,"minimum_os":"16.4","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e3/55/54/e35554f2-3eee-ba28-bf8e-0d3d5180734b/welcome_6.9.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/0d/f8/28/0df8284a-a7e3-f84d-da12-e904194e079d/credit6.9.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b1/69/18/b1691821-00bc-e31e-90eb-b6dd3ec847cc/cashback-6.9.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/32/f5/86/32f58601-994b-0ebc-056e-1a0897e44374/savings6.9.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/20/3b/c9/203bc975-f225-eb78-c8df-b8838d4386dd/EarlyPay6.9.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cf/01/07/cf0107b9-14fc-3440-79f3-8dbed4623ce5/earn6.9.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b2/04/e0/b204e032-4b80-dda7-607d-c0a77edfceb3/payday6.9.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/10/a6/c9/10a6c9b5-3460-b12d-1ec1-3c979df63219/secure6.9.png/320x480bb.jpg"],"developer_name":"Step Mobile Inc","editors_choice":false,"url":"https://apptierlist.com/apps/step-all-in-one-money-app-1438006983/","api_url":"https://apptierlist.com/api/v1/apps/step-all-in-one-money-app-1438006983","schema_version":"1.0","generated_at":"2026-10-23T10:31:13.504Z","data_as_of":"2026-10-23T05:59:14.023Z","description":"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. \n\nWhy Step: \n\nBUILD CREDIT FOR FREE: The average Step user boosts their credit score by 57 points in their first year. \n\nCASHBACK ON EVERY PURCHASE: Get at least 1% cashback on every card purchase and up to 10% at rotating merchants.\n\nEARN 3% ON YOUR SAVINGS: Unlock one of the highest savings rates in the country, FDIC-insured up to $1M. \n\nEARN OVER $200/MONTH: Get paid to play games, take surveys, and more. \n\nGET 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.\n\nMore Reasons to Love Step: \n• Free credit building at any age \n• Step Visa Card accepted everywhere Visa is around the world \n• Safe and secure with built-in fraud protection with Visa’s Zero Liability Policy \n• Merchant blocking features \n• No security deposit, no interest, and no hidden fees \n\n\n\n\n*Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. \n1. 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. \n2.  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. \n3. 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.","facts":{"developer_id":1438006982,"developer_url":"https://step.com","first_released":"2019-02-01T13:31:11Z","support_url":"https://step.com/faq","privacy_url":"https://step.com/policies/privacy","website_url":"https://step.com/","app_version":"26.17.0","release_notes":"Bug fixes, stability and performance improvements","rating_current_version":4.73979,"rating_count_current_version":82139,"star_counts":[2837,666,1632,4763,72241],"genres":["Finance"],"languages":["EN"],"content_advisories":["Infrequent/Mild Contests"],"device_families":["iphone"],"made_for_iphone_duo":null,"chart":{"name":"top-free Finance","position":89}},"freshness":{"apple_read_at":"2026-10-21T19:24:13.456Z","catalog_read_at":"2026-10-21T19:24:13.456Z","reviews_checked_at":"2026-10-17T02:29:13.388Z","summary_written_at":"2026-10-18T20:46:11.598Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-23T05:59:14.023Z"},"editorial":{"one_liner":"Free money app for credit building, savings, card cash back, and short-term advances with a Step Visa Card.","what_is":"Step is a finance app listed under Finance that offers credit building, a savings account with a stated 3% rate, a Visa card with cashback, and EarlyPay advances from $20 to $250. Step is a financial technology company, not a bank, and that banking services are provided by Evolve Bank & Trust, Member FDIC. The app is free to download.","good_for":["Building credit history without a security deposit","Earning cash back on everyday card purchases","Covering a short-term cash gap before payday"],"pricing":"Step: All-In-One Money App is free, with no in-app purchases on the App Store.","faq":[{"q":"Who can use Step?","a":"Users must be 18 or older. Loans over $100 require a minimum qualifying direct deposit to the Step account, and the listing notes not all users will qualify."},{"q":"Is Step a bank?","a":"No. The listing says Step is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Member FDIC."},{"q":"How does Step claim it affects credit scores?","a":"The listing cites an average increase of 57 points in the first year, based on a TransUnion analysis of 594 Step users aged 21 to 27 over a 360-day period."}],"model":"claude-haiku-5-5","created_at":"2026-10-18T20:46:11.598Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":13,"tier":"B","score":82.9,"components":{"rating":94.8,"votes":89.1,"rank":47.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":135667,"at":"2026-10-17T01:33:13.388Z","kind":"tier_changed","list":"credit-building","app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":"A","to":"B","reason":"rank shift: #13, score unchanged at 82.8, tier full (a quarter of the list)","job":"rescore"},{"id":134108,"at":"2026-10-17T00:33:13.387Z","kind":"tier_changed","list":"credit-building","app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":null,"to":"A","reason":"checked from the list's side: ranked #13","job":"rescore"},{"id":107097,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"credit-building","app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":79564,"at":"2026-10-14T13:36:19.778Z","kind":"tier_changed","list":"credit-building","app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":"D","to":"A","reason":"score 83","job":"rescore"},{"id":66978,"at":"2026-10-13T00:23:55.210Z","kind":"tier_changed","list":"credit-building","app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":"F","to":"D","reason":"score 83","job":"rescore"},{"id":38746,"at":"2026-10-09T08:38:03.422Z","kind":"tier_changed","list":"credit-building","app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":null,"to":"F","reason":"score 71","job":"rescore"},{"id":30265,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"credit-building","app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":null,"to":"active","reason":"Headline job: 'Build credit for free' with Step Visa card; users boost score by 57 points on average.","job":"fill"},{"id":23157,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1438006983,"app":"step-all-in-one-money-app-1438006983","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":13,"tier":"B","score":82.9,"components":{"rating":94.8,"votes":89.1,"rank":47.8,"recency":100},"ranks":[{"country":"us","rank":23}],"verdicts":[{"verdict":"keep","reason":"Credit building is one of Step's headline features. Its Visa card reports payments to grow your credit score, which makes it a direct alternative to Self, Brigit and Tilt.","verifier":"list check","decided_at":"2026-10-17T00:21:13.382Z","attempts":1,"current":true},{"verdict":"keep","reason":"Headline job: 'Build credit for free' with Step Visa card; users boost score by 57 points on average.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":41717,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/step-all-in-one-money-app-1438006983/"}}