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Sable Credit Card Review 2021

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Reviews 6

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Michael Graw
Michael Graw
May. 03, 20214 min read

Sable summary

Sable is an online bank founded in 2019 to provide banking and credit services to international residents in the US. The Sable ONE credit card is a secured card that you can qualify for without a credit history or social security number. The card doesn’t have an annual fee and you can earn up to 2% cashback on qualifying purchases. Sable reports payments to the major credit agencies monthly, helping cardholders build credit over time.

Pros

  • Social security number not required
  • No annual fee
  • Earn up to 2% cashback

Cons

  • Account only accessible from the mobile app
  • Must deposit funds before you can spend

Sable Sable Visit Sable

Overview

Sable is an online bank that helps people without credit or social security numbers—like international citizens living in the US on a visa—build credit. You can apply for a Sable bank account or the Sable ONE credit card with just a passport, visa, and US address. The credit card has no annual fees, no foreign transaction fees, and offers up to 2% cashback on purchases.

Suitable For?

The Sable ONE credit card is most suitable for US citizens with no credit history or international citizens living in the US. You can apply for the card without a social security number or credit score, and Sable will help you build your credit over time by reporting your monthly payments to the major US credit bureaus. The Sable credit card has no annual fee and offers a rewards program.

One thing to note is that you can only manage your Sable account via the mobile app, which is available for iOS and Android. So, you need to be comfortable making payments and monitoring your account on your smartphone to use this credit card.

Interest Rates and Fees 

The Sable ONE credit card has no annual fees and no foreign transaction fees. The card carries an APR of 6.99% above the prime interest rate. 

The Sable ONE is a secured credit card, meaning that you must deposit funds into a reserve account to establish your credit limit. These funds serve as a security deposit only. To pay off your monthly balance, you’ll need to deposit funds into a Sable bank account and make a payment from there.

Annual FeeForeign Transaction FeeAPR
NoneNonePrime + 6.99%

Rewards & Cashback

The Sable ONE card offers 2% cashback on purchases at Amazon, Netflix, Spotify, Hulu, Uber, Uber Eats, and Whole Foods. All other purchases qualify for 1% cashback.

The Application Process

You can apply for the Sable ONE credit card through the Sable mobile app. Download the app for free from Google Play or the Apple App Store and tap ‘Open an Account.’ You’ll need to enter your name, email, phone number, and address. US citizens can enter a social security number, while non-citizens must take a photo of their passport and US visa. The verification process usually takes under 1 minute, although it can take up to 3 days if you upload an I-94 document instead of a visa.

Once your account is approved,  you’ll be issued a virtual credit card that you can start using right away with Google Pay and Apple Pay and for online purchases. Your physical card typically takes 8–10 business days to arrive.

Help & Support

Sable offers customer support by phone and email, although support hours aren’t listed on the website. We also weren’t able to get through to a representative when we tried calling. However, Sable’s website has a detailed FAQs page that explains the application and monthly billing processes.

Security

Sable provides transaction notifications through the mobile app, so you can easily keep track of when your card is being used. If you lose your credit card or suspect fraudulent activity, you can lock your physical or virtual cards at any time through the Sable app. In addition, you’re never responsible for fraudulent purchases made on your card. The app itself is password-protected and secured with SSL encryption.

FAQ

What documents do I need to apply?

US citizens can apply for the Sable ONE credit card with just a social security number. Non-citizens will need to take a photo of their passport and visa or I-94 document.

What is the credit limit for the Sable ONE?

The Sable ONE is a secured credit card, so your credit limit is determined by the value of funds you set aside in a reserved account. To increase your credit limit, simply deposit more funds into the reserved account.

Is the Sable ONE compatible with Apple Pay?

Yes, the Sable ONE credit card can be used with Apple Pay and Google Pay.

Conclusion

The Sable ONE credit card is a secured credit card that enables anyone without a credit history or social security number to begin building credit. Each month, Sable reports your payments to the major credit bureaus. The card doesn’t have an annual fee and offers up to 2% cashback on purchases.

Sable Sable Visit Sable

Methodology

This review was completed using information from the Sable website.


Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Ivan Cheresky
    Jun 14, 2021
    Terrible experience

    They rejected my application and refuse to tell me why. The application literally only asks for your name, passport and phone, so I cannot understand what could possibly be wrong. Terrible experience.

    ...

  • author
    MD
    Apr 30, 2021
    Customer service at its best

    Customer service at its best. Had a problem with onboarding because of my mistake and they immediately helped me, on the spot they rectify it and my account is active in 5 minutes or less.

    ...

  • author
    Lorraine Augustin
    Mar 12, 2021
    Awesome online bank for immigrants

    Awesome online bank for immigrants! i had an issue verifying my working visa for US and i called customer service and they helped me immediately and set up my account. 5Stars!

    ...

  • author
    Natasha Jaffar
    Mar 12, 2021
    University student - trying to build credit score

    I heard about Sable through a friend and started using it since i am a new student to the US and was having issues trying to get even a secured credit card to build credit history. In the last 3 weeks ive used the app - i love it!!! i've started getting cashback for Amazon and UberEats and I can see my credit history build with experian. Would definitely recommend them

    ...

  • author
    Kazuki Oiwake
    Mar 06, 2021
    Great Customer Service

    I shifted from traditional bank to Sable. During the process Sable’s customer service helped me answer all the questions that I needed to switch. The loyal customer base is outstanding and whenever you face problems or concern, sable will give you the best customer service.

    ...

  • author
    mieles
    May 02, 2021
    Good Trustful Company

    Customer Service is Really Good, they solve any issues you can get quickly

    ...

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