Step

Editor's Review

Step is a comprehensive banking app designed to empower you to achieve your financial goals! 🚀 With over 5 million users, Step offers a range of features to help you build credit, save money, and earn rewards. It’s banking reimagined for the modern age! 🏦

Build Credit Safely 📈: Step provides a secure way to build your credit score with every purchase you make using the Step Visa Card. Monitor your credit score directly within the app and watch it grow! On average, Step users in their 20s see an annual credit score increase of 57 points. 🎉

Earn Cashback and Rewards 💰: Get rewarded for your spending! With Step Black, you can earn up to 8% cashback on purchases made with your Step Card, both online and in-store. Plus, unlock $500 in annual perks that help you get more value from your money. 🎁

High-Yield Savings 🏦: Grow your savings faster with Step's impressive 4.00% interest rate on savings goals. Use the Round Ups feature to automatically save spare change from your purchases. Your savings are FDIC-insured, giving you peace of mind. 🛡️

Early Paycheck and Prizes 💸: Access your paycheck up to 2 days early with direct deposit. As an added bonus, you'll be entered to win monthly prizes, including cash, laptops, and shopping sprees, when you set up direct deposits of $150 or more. 🍀

Move Money Easily 💸: Send and receive money instantly with friends and family. Deposit cash at over 70,000 retail locations nationwide and enjoy fee-free access to over 30,000 ATMs. 🏧

Invest with Spare Change 📊: Start investing with as little as $1! Buy and sell thousands of stocks, ETFs, and even Bitcoin. Use the Round Ups feature to turn your spare change into smart investments and grow your wealth. 💡

Important Note 📝: Step is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Member FDIC. Be sure to protect your card and report any unauthorized use immediately. Also, be aware that out-of-network ATM withdrawal fees may apply. ⚠️

Features

• Build credit safely and easily

• Earn up to 8% cashback

• Earn 4.00% on your savings

• Get paid up to 2 days early

• Send and receive money instantly

• Deposit cash at 70,000+ locations

• Access over 30,000 fee-free ATMs

• Invest with as little as $1

Pros

• Build credit safely with every purchase.

• Earn up to 8% cashback on purchases.

• Earn 4.00% on your savings.

• Get paid up to 2 days early with direct deposit.

• Invest with as little as $1.

Cons

• Out-of-network ATM withdrawal fees apply.

• Visa's Zero Liability policy has some exceptions.