Step: Instant Cash and Rewards

Step Mobile, Inc

About this app

💸 Get up to $250 instantly, earn $200+/month playing games, and save $600/year on your phone plan—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 instantly. No waiting, no interest. Access up to $250 now.1

• Step Mobile Plans – Ditch high phone bills. Get unlimited talk, text & data starting at $15/month and save up to $600/year.2

• Earn Over $200/Month – Play games, take surveys, and cash in on partner deals to earn real cash rewards in the app.3

💸 Why Millions Use Step:
• Fast cash when you need it (up to $250 instantly)

• Save big on mobile plans—starting at just $15/month

• Earn unlimited cashback and rewards from everyday spending4

• Build credit with zero hassle

• Get $500 in exclusive perks with Step Black5

• 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.
1The 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 $250. Instant Transfers are available for a fee. Instant Transfers typically occur in seconds, but may take up to 30 minutes.
3Comparison of AT&T’s $85 plan compared to Step’s Ultra Unlimited plan (shown as a monthly price). Plan features, taxes, fees, availability, speed, and coverage may vary. Cost savings projections are estimates based on, but not limited to, current usage patterns, technology landscape, and contractual terms. These projections are not guaranteed and may vary. Step is not liable for any discrepancies between the estimated and actual cost savings.
4Requires Step Black enrollment, either through qualifying direct deposit or paid monthly membership.
5Ability 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

Great app. My main gripe with it is the limit on what you can take out of your account at a time. Having a $3k monthly limit for withdrawing money is excruciating low, and makes it feel pointless to save for bigger things due to the restriction. I'm going to have to find a different bank because of this; it simply isn't reasonable to longterm save with Step. (Not to mention quite a few retailers don't accept Step as a payment method, so withdrawing the money is a necessity a lot of the time)

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.

never used this account but once, kept it open to have a new account for my tax refund. Out of nowhere the company flagged my account because of a declined payment from PayPal. They then proceed to request a screenshot of my PayPal account and personal info. Anyone with PayPal knows this is impossible because PayPal won't allow it. the screenshot will come out black. It is impossible to reach a person, the phone tells you to use chat which is just automated messages. Missed my refund deposits.

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.