Step: All-In-One Money App
What is Step?
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.
Pricing. Step: All-In-One Money App is free, with no in-app purchases on the App Store.
Good for
- Building credit history without a security deposit
- Earning cash back on everyday card purchases
- Covering a short-term cash gap before payday
Screenshots
Why this app is in B tier
Step scores 83 out of 100: rating 95, rating count 89, App Store search rank 48, update recency 100. The four parts are averaged with no weights, and B tier follows from that score within this list. The full explanation, as data.
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. 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 t
Compare in Credit Building
Alternatives
See all 22 ›Top rated in Credit Building
Questions about Step
Who can use Step?
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.
Is Step a bank?
No. The listing says Step is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Member FDIC.
How does Step claim it affects credit scores?
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.
Is Step free?
Yes. Step is free on the App Store, with no in-app purchases.
What is Step good for?
Step is built for building credit history without a security deposit, earning cash back on everyday card purchases, covering a short-term cash gap before payday. It sits in the credit building list on AppTierList.
Is Step worth it?
Step is B tier, ranked #13 of 23 credit building apps with a score of 83 out of 100, from a 4.7 App Store rating across 82,139 ratings. Good, and 12 apps rank above it.
How does Step compare to Perpay?
Step is B tier at 83; Perpay is B tier at 83. They score the same. Step is free, with no in-app purchases, Perpay is free to download.
How often is Step updated?
Step was updated 18 days ago, which counts in its favour.
All the facts
- List
- Credit Building (B tier, #13)
- Tier
- B (Good)
- Score
- 83 / 100
- Rank in list
- #13 of 23
- Ranking certainty
- settled
- Price
- Free
- App Store rating
- 4.7 out of 5
- Number of ratings
- 82,139
- Recent reviews
- 2.8 from 20 in the last 180 days
- Current version
- (18 days ago)
- App Store data read
- App Store category
- Finance
- Good for
- Building credit history without a security deposit, Earning cash back on everyday card purchases, Covering a short-term cash gap before payday
- Requires
- iOS 16.4 or later
- Size
- 259 MB
- Age rating
- 4+
- Languages
- 1
- Runs on
- iPhone
- Developer pages
- Website · Support · Privacy policy
- Maker
- unclaimed
- As data
- JSON · why it ranks here
App Store data read · reviews · ranking · how it is computed