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Join the U.S. banking platform designed for internationals

explore sable credit
SABLE FOR INTERNATIONALS

Start building U.S. credit from day one.

No SSN or Credit Check Required

Not a US citizen? We have you covered. Non US citizens just need a passport and U.S. Visa.

Fast Path to Graduation

Graduate to traditional unsecured credit in as fast as four months.

No Minimum Deposit

Start with what you have and what you’ll use.

Premium Benefits & Perks

Get unlimited cash back and perks like rental car insurance.
GRADUATE to CREdit

Start secured and graduate to unsecured in as fast as four months

Get Started

1

Spend responsibly and hit clear milestones speed up your path to graduation.

2

Track your progress in the Sable app with personalized support.

3

Opt in to graduate and get 100% of your secured funds back as a credit balance, with no negative impact to your credit score for graduating.
THE New SABLE CREDit Card

The card as bright as your future. Coming early 2022.

Modern Design for Modern Banking

Physical & Instant Virtual Card

Durable, Glow-in-the-Dark Material

How it works

Get a credit coach in the palm of your hand

Get Started

1

Put money down and set a credit limit.

2

Spend responsibly and get updates on what really impacts your credit, like on-time payments and account utilization.

3

Increase your credit score.

4

Get your deposit back when you graduate to unsecured!

U.S. Credit & Debit

U.S. Credit & Debit

U.S. Credit & Debit

U.S. Credit & Debit

U.S. Credit & Debit

U.S. Credit & Debit

The difference with Sable: We report on more data points than almost any other card so you can build your credit faster.

Get Started
35%
Payment history
30%
Account utilization
15%
Account age
20%
Other

Strong credit changes
the course of your life.

Auto Loan – Example of a $20,000 auto loan would vary depending on the borrower’s credit score

Strong credit score

Credit score
720
Interest rate
3.9%
Monthly payment
$451
Total paid over autoloan lifespan
$1,636

Weak credit score

Credit score
590
Interest rate
15.2%
Monthly payment
$559
Total paid over autoloan lifespan
$6,827
When you have weak credit, you could pay $5,191 more for the exact same debt.

Strong credit changes
the course of your life.

Mortgage – Example of a $250,000 loan would vary depending on the borrower’s credit score

Strong credit score

Credit score
700
Interest rate
3.05%
Monthly payment
$1,061/month
Total paid over mortgage lifespan
$381,924

Weak credit score

Credit score
620
Interest rate
4.41%
Monthly payment
$1,255/month
Total paid over mortgage lifespan
$451,642
When you have weak credit, you could pay $69,718 more for the exact same debt.

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

2%

Earn cash back on the things you really buy.

1%

Earn cash back on the things you really buy.

1%

Earn unlimited 1% cash back on all other purchases.

2x

Get a dollar-for-dollar match on all cash back at the end of your first year. Sable’s Double Cash Bonus⁷.

Cell Phone Damage Protection³

Sable provides coverage in the event your covered cell phone is stolen or damaged (including cracked screens!) if your cell phone bill is charged to your credit card.

Rental Car Insurance³

We’ll help you pay for physical damage and theft to most rental vehicles through Mastercard Rental Insurance.

Extended Warranty³

Sable will double the manufacturer’s or retailer’s warranty for eligible items purchased with your Sable ONE Mastercard.

Zero Liability Policy³

Sable guarantees you won’t be held liable if unauthorized purchases show up on your cards.

Zero Liability Policy³

Sable guarantees you won’t be held liable if unauthorized purchases show up on your cards.

Price Protection³

Sable will reimburse you for the difference in price on eligible items should you find the same item for a lower price.

Purchase Assurance³

Sable provides coverage for most new items purchased with your Sable credit card that are damaged or stolen within 90 days of the date of purchase.

Sable Satisfaction Guarantee³

Sable will cover the cost of most purchases within 60 days if you’re unsatisfied with something you bought on your Sable card and the seller won’t accept the return.

And much more.

We’re constantly improving the Sable experience with new perks and opportunities to earn cash back. It’s all about expanding access to a premium banking experience.

+$1,930

total estimated value per year⁴

Earn unlimited cash back¹.

Spend responsibly. Get rewarded. It’s just that simple. Track your cash back and personalized rewards in the Sable app.

Get a Sable card in your digital wallet in (you guessed it) five minutes.

When you sign up, you can add your virtual card to your digital wallet instantly to make important purchases and build credit.

Safe. Stable. Sable.

Getting your financial life on track is serious business. That’s why we’re committed to giving you bank-level security, and you won’t be held liable if unauthorized purchases show up on your cards.
Learn more

Never miss a payment.

  • Set up AutoPay and stay on track to success
  • Make payments instantly through the Sable app
  • Get friendly reminders when a payment’s coming up

Sable customer reviews

Trusted by over 400,000 accounts

4.8
Score on App Store
[Sable is the] first bank to offer a secured card and bank account without a credit check, thus giving people a chance at financial recovery.
C.R.G.
I love this credit company for giving the opportunity to be a Sable cardholder to everyone.
G Burt
Awesome card and app! I am very impressed with Sable so far - it lets me send funds abroad at zero cost. It's cheaper than Western Union!
P.C.
Best mobile banking experience! Seamless and efficient! Easy to use, premium benefits, and helpful customer service!
C.C.
I have been banking with BofA for the last six years … I am so glad that I made the move and have saved so much money in fees!! Best thing to happen to me in 2020—it literally changed my life.
A.G.
Fantastic customer service. I shifted from a traditional bank to Sable [and] Sable’s customer service helped me answer all the questions that I needed to switch.
K Oiwake
The best bank for immigrants in the US. Thank you Sable! I have nothing but good things to say about you!
E Berhe

How Sable Compares

How Sable Compares

How Sable Compares

How Sable Compares

How Sable Compares

How Sable Compares

Sable ONE

Discover It

Capital One

Bank of America

Citi

Chime

Fast Graduation
No Annual Fee
Cash Back & Rewards
Premium Card Perks
No Late Payment Fees
Credit Report Notifications
Easy Account Freeze

FAQs

01
What do I need to apply for Sable products?

To open a Sable account you only need the following things:

  1. Your SSN information

Or if you don't have an SSN, then the following will be required:

  1. Your Passport
  2. Your U.S. Address
  3. Your U.S. Visa or Non-Tourist I94 entry of your US visit

Passport

You will need to scan your passport using the app when you're applying for an account. You will need your original passport, we don't accept photocopies or previously scanned images.

US Address

You need to have a Residential US Address to open an account. This is a regulatory requirement. We will automatically ship your card to the address you provided.

Your Visa or valid I94 entry into the US (for non-US Citizens)

If you are not a US citizen, we will ask for a second document. This will be the US visa attached to your passport If you don't have a US Visa, that is probably because you entered the US with a visa waiver (e.g. a TN Visa or an ESTA). In this case, select the I-94 option and we will verify your visa waiver electronically.

Your SSN (if you have one)

If you have a Social Security Number, you’re required to provide it for verification purposes.

Why do you ask for these documents?

We have to make sure that you are opening the account and it is not someone using your identity. This is for your safety as well as to comply with US regulations.

02
I am new and don’t have a credit history in the US. Can I still apply for Sable’s products?

Absolutely! Our products are especially made so that you can enjoy higher credit limits even when you don’t have a US credit history.

03
Will you run a soft or hard check of my US credit history?

We won’t run any type of credit history to open your secured credit card or deposit account.

Our products are geared towards internationals who are new to the US. We understand that you will not have substantial credit history when you first arrive in the US.

04
What is a secured credit card?

A secured credit card works similar to a credit card however the credit limit is set by you. Whatever limit you set, the appropriate funds are moved from your deposit account into a reserve account to act as collateral for your credit limit. This will be returned if you wish to close your account or reduce your credit limit in the future.

Every month you will receive statements based on your credit card usage with a due date that you will need to pay off using funds from your checking account. Your reserve amount will not automatically be used as this will remain constant to maintain your credit limit.

Once you have funded your Sable Banking Account, you can increase your credit limit. To increase your credit limit, please go to the "SableONE secured credit card" in the cards screen of the Sable app and then choose to increase credit limit. Please note that the funds will automatically be moved from your checking account when you increase your credit limit.

Your secured credit card has a lot of added benefits as it helps build your credit history as well as exciting rewards/cashback as mentioned on our website Sable Card Rewards.

05
How do I add the security deposit for my Secured Credit Card?

To add your security deposit, all you need to do is navigate to the Secured Credit Card in the Cards screen of the Sable app and choose to "increase credit limit".

This will automatically deduct the funds from your Sable Banking Account to a reserve account to act as the security deposit for your credit limit!

06
How do I pay my Secured Credit Card balance?

To pay off your Secured Credit Card balance, please choose the "Pay your secured credit card" option in the move money tab in the Sable app! This will deduct the funds from your Sable Banking Account and pay off your outstanding balance.

Please note that we do not allow payments directly to the Secured Credit Card at this time and the payments will have to be made from your Sable Banking Account!

Sable does not use the Security Deposit to pay off outstanding secured credit card balance at the end of month and the customer's have to initiate the payment using funds in their Sable Banking Account via the Sable app!

07
Due date and billing cycle

Your Sable secured credit card has a billing cycle from the 1st to end of every month. You will only need to pay off whatever your statement (that you receive via email in the first 2 weeks of the month) says that you need to pay.

The way this works is as follows: For example if you made $100 of purchases between May 1st and May 31st, you will receive your statement within the first 2 weeks of June and your due date will be June 27th. Any purchases made in June will only be due in July 27th. This is what will be highlighted in your statement that is sent via email.

The due date counter that you see in the app currently only counts down to the 27th of every month as that is the due date for all secured credit cards with Sable currently. Similarly, the balance due shows the current outstanding balance on your Sable account and does not reflect what you may actually owe on your cards. Please follow your statements for accurate information on the amount due and the due date information.

The New Sable App

Bank from anywhere in the world with state-of-the-art design.
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Sable Debit

The no-fee, premium cash back debit card for everyone.
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