Step: Instant Cash and Rewards

Step Mobile, Inc

About this app

Get up to $500 with Step EarlyPay, earn $200+/month playing games, and build credit for free—all in one app. Step is the ultimate money app for hustlers, gamers, students, and everyone working a 9-5. Build credit, boost income, and cut your bills—without breaking a sweat.
What’s New at Step:
Step EarlyPay – Get cash when you need it. No waiting, no interest. Access up to $500 now. [1]

Build Credit for free – The average Step user improves their credit score by 57 points in their first year. [2]

Earn Over $200/Month – Play games, take surveys, and cash in on partner deals to earn real cash rewards in the app.

Why Millions Use Step:
- Fast cash when you need it (up to $500 with Step EarlyPay)

- Earn unlimited cashback and rewards from everyday spending [3]

- Build credit with zero hassle

- Get $500 in exclusive perks with Step Black [4]

- Trusted by 6 million+ users and featured by Forbes, TechCrunch, Business Insider, and more

- 100K Reviews with 4.8★

Step gives you real money, real savings, and real rewards—all in one app.
Ready to upgrade your money game?
Download Step now and start stacking smarter.

*Step is a financial services platform. Banking services provided by and the Step Visa card issued by Evolve Bank and Trust, member FDIC.
[1] The availability and amount of Step EarlyPay loans are subject to your eligibility and creditworthiness. Minimum Step EarlyPay loan amount is $20, and maximum amount is $500. Instant Transfers are available for a fee. Instant Transfers typically occur in seconds, but may take up to 30 minutes.
[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.
[4] Ability to earn $500+ 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.

Ratings and reviews

I loved Step, but it really feels lately that the customer service quality has gone downhill. changes are made without much explanation. it's incredibly difficult to handle disputes and the lack of compatibility with payment apps like Venmo is increasingly becoming an issue in a household where we need to exchange funds often. I wish I felt more valued for my loyalty but instead features are removed when I upgrade. not a good look. do better

loveeeeee this app. I like that you get points on every purchase that you can turn into money/gift cards. I love that it shows your credit score. overall just a short helpful banking app. you can even make money (points) without spending a dime by playing games or doing surveys! it's nothing like THOSE survey and game apps that 'pau' you. if you know, you know.

I like the app, mostly easy to navigate, sometimes it feels like the main page gets a little busy it may just be the placement. Other than that I do like I do like the app. I would have given it more stars if the Black card status was more clear in the beginning. From my understanding I thought if kept interacting with the app I would have the black card status. Now I need to pay 4.99 a month, complete turnoff, might not even really use, as the high $ back is gone. DD can't be used everywhere.

What’s new

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.