- Social security number not required
- No annual fee
- Earn up to 2% cashback
- Account only accessible from the mobile app
- Must deposit funds before you can spend
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.
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 Fee||Foreign Transaction Fee||APR|
|None||None||Prime + 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.
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.
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.
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.
This review was completed using information from the Sable website.