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Sable Credit Card Review 2021

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Reviews 15

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Michael Graw
Michael Graw
May. 03, 20214 min read

Sable Bank Account And Debit Mastercard® 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 Bank Account And Debit Mastercard®at a glance
4.2

Editorial score

Fees and rates

No annual fee and 0% APR

5.0

Eligibility (credit score)

Accepts all credit types

5.0

Security

FDIC/NCUA insured and SSL/AES encrypted account

4.0

Customer service

Multiple ways of reaching agent but limited hours

3.0

Online experience

User friendly site and app with detailed FAQs or help center

4.0

Sable Bank Account And Debit Mastercard® Sable Bank Account And Debit Mastercard® 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 Bank Account And Debit Mastercard® Sable Bank Account And Debit Mastercard® 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.‎

Sable Bank Account And Debit Mastercard®
Sable Bank Account And Debit Mastercard®
GreatReviews 15
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Trustpilot reviews

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Sable Bank Account And Debit Mastercard®
GreatReviews 15
on
Excellent
80%
Great
7%
Average
0%
Poor
0%
Bad
13%
  • author
    Hakeem Jones
    Nov 15, 2021
    first time every

    first time get this cards trust me will love this new card i get.

    ...

  • author
    Hassanen Alhassuni
    Nov 24, 2021
    Cheaters!

    After sending money to my Sable account, it was blocked. Why did this happen the support service does not say and my money is not sent back. Terrible!

    ...

  • author
    Sébastien Villeneuve
    Nov 11, 2021
    Amazing service and benefits

    Sable has the most efficient onboarding process that I've ever been through (it took less than 10mins). And by letting me build a US credit history, they helped boost my credit score from 680 to 720 in the first 2 months alone. The $350 I've received in cash back rewards over the past 6 months doesn't hurt either. I'll definitely be recommending Sable to all newcomers to the US!

    ...

  • author
    Martin Larsen
    Nov 10, 2021
    Stor anbefaling

    Jeg bestilte Mandag d. 08.11.21 en champangesabel med indgravering. Jeg skulle bruge den til gave på fredag, så jeg kontaktede kundeservice via mail onsdag d. 10.11 for at høre om de kunne fremskynde processen. 30 min senere fik jeg en mail retur at sablen allerede var afsendt og kunne afhentes senere på dagen i pakkeshop. Stor anbefaling herfra jeg spår voksende succes hvis serviceniveau og kvalitet forsætter.

    ...

  • author
    Khujista Rahman
    Nov 09, 2021
    Recommended for immigrants and international students

    It took me less than 15 minutes to open an account! The easiest way to build credit in the US and would recommend this to any newcomer/international student.

    ...

  • author
    Umair Jaffar
    Oct 20, 2021
    Great experience so far

    Great experience so far. Was very easy to get the account and card. The customer service folks were very helpful. Love that I can now build a credit score in USA!

    ...

  • author
    Terry
    Oct 17, 2021
    I don't usually leave reviews

    I don't usually leave reviews, but I just got a notification from Sable and I just had to! I moved to Austin last year from Canada. I couldn't find any major bank or mobile back that would help give me a credit card or a bank account even when I had a credit history in Canada. In just one year, Sable helped build my US credit score to 740! And I just got notified by Sable that I have been approved to move to an unsecured credit card and giving me back my secured funds this month!! I am very happy with this company and will continue to use my Sable cards for as long as I am in the US. Great job

    ...

  • author
    imminyc
    Oct 17, 2021
    great credit card

    great credit card

    ...

  • author
    Michael
    Oct 17, 2021
    Sable is the best banking and credit…

    Sable is the best banking and credit building app I have come across. Has awesome cashback rewards and premium benefits and they are adding great jew features every month. Customer service rocks as well

    ...

  • 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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