THEALL-IN-ONEMONEY APP

Borrow, Bank and Build Credit. Step is the all-in-one money app that helps you build credit̍ for free and get more from your paycheck with unlimited cashback on purchases. This is financial independence at your fingertips.*

Download Step
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App Rating
100,000 Reviews

MEET STEP EARLYPAY

Life doesn’t wait for payday, and neither should you. Borrow up to $250 whenever you need it. See how much you qualify for in just matter of minutes and have the money instantly transfered ͐ to your Step Account.

Apply Now
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Step users in their 20s increase their credit score by an average of 57 points in one year. ͆

best secured credit card to build credit

Earn 4.00% on your savings

Your money deserves better. Get a savings reward that’s over 8x ̾ ̾ the national average with Step Black.̾

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Get up to 10% cashback

Turn your spending into saving with up to 10% cashback on every purchase and no limit on your total rewards.˖˖

Learn More
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Safe and secure

The Step Card comes with Visa’s Zero Liability Protection Policy** and FDIC-insured up to $1,000,000***

VISA Insured

HOW DOES YOUR BANK STACK UP?

Click a square to learn more

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No interest and no hidden fees, ever

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Build credit with the Step Visa Card'

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Up to 10% cashback on purchases ˖˖

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Get exclusive Step Black rewards

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Earn 4.00% on your savings balance ̾

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Borrow up to $250
with Step EarlyPay ̌

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Investing ˆ

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Win up to $5,000

APP RATING
100,000+ Reviews
I love Step
I love Step. The customer service is amazing, the rewards are some of the highest in the banking world, along with the interest on savings. Super helpful as a college student!
Jacobtheidahoan2004
Better than Bank of America
I got Step last week because of the 5% APY savings and benefits of the Step Black card. One week in and its already better than Bank of America…
AustinReviews23
Brought me from no score to 735
I didn’t have a score before but when I chose to opt in, it helped dramatically. It brought me from no score to 735 in one night because I was using Step previously.
John C.
Step is way better
I’m honestly mad I did not get this sooner. I have used Current before it and Step is way better.
Trevor Ve

Participants may be compensated for their participation. Individual results may vary.

Stephen Curry Step

Stephen Curry

4x NBA champion, CEO at Thirtyink, Step investor

“I know what a critical life skill money management is...Step helps facilitate conversations about money and makes it easy to get a taste of financial freedom with a built-in safety net and lots of teachable moments.”
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Better banking for all

With Step, your whole family can safely
build credit history, grow their savings,
and build their financial foundation at any age.

Learn More