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 and Debit Mastercard® or the Secured Sable ONE Credit Card with just a passport, visa, and US address. Both cards have no annual fees, no foreign transaction fees, and offer 1%-2% cashback on purchases.
The Sable Bank Account and Debit Mastercard® and the Secured Sable ONE Credit Card are most suitable for US citizens with no credit history or international citizens living in the US. You can apply for either 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 cards have no annual fee and offer 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 these cards.
The Sable Bank Account and Debit Mastercard® has no annual fees, no foreign transaction fees and 0% APR.
The Secured 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.
Both cards are secure, 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.
|Card Type||Annual Fee||Foreign Transaction Fee||APR|
|Sable Bank Account and Debit Mastercard®||None||None||None|
|Secured Sable ONE Credit Card||None||None||Prime + 6.99%|
The Sable Bank Account and Debit Mastercard® offers 1% cashback on purchases at Amazon, Netflix, Spotify, Hulu, Uber, Uber Eats, and Whole Foods. It also offers $25 when you build your credit score to 700+ within the first 12 months.
The Secured Sable ONE Credit Card offers 2% cashback on purchases at Amazon, Netflix, Spotify, Hulu, Uber, Uber Eats, and Whole Foods. All other purchases qualify for 1% cashback.
You can apply for both cards 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 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.
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 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.
US citizens can apply for either Sable card with just a social security number. Non-citizens will need to take a photo of their passport and visa or I-94 document.
Both Sable cards are secured cards, 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.
Yes, both cards can be used with Apple Pay and Google Pay.
Sable offers two secured cards (one debit card and one 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 1%-2% cashback on purchases.
This review was completed using information from the Sable website.