Welcome to the future of building credit

The card that is designed to help you build or rebuild your credit score

  • No credit check and no impact to credit score to apply
  • Approval in 3 minutes
  • No minimum deposit required and get your deposit back in as little as 4 months
  • Premium Benefits and 2% cash back at your favorite merchants
Get Started

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We are designed to build your credit

Here's what some of our customers are saying

I bumped my credit score by 48 points in the first month! Sable card is legit!
Anna
Got approved in a few minutes and started building my credit immediately. I never thought it could be this easy!
Bernice
Thing I like most about using my Sable card is that my credit limit, how much I spent, and payment history is reported to the bureaus. My other cards are only reporting purchases and payments.
Khujista

Our Graduation Promise

With Sable’s Path to Unsecured Credit, you can get unsecured in as little as 4 months!

  • With Sable you are given a faster and clearer path to unsecured credit via milestones, while helping build your credit score immediately and transparently. Learn more here
  • With responsible activity and good payment history you can get unsecured in as little at 4 months!
1
Spend responsibly and hit our clear milestones to increase the likelihood and speed to becoming unsecured. See here for more info
2
Each month we will notify those who are eligible for graduation through the app and email
3
Once you opt in to graduate you will receive 100% of your secure funds back as a credit balance, and there will be no credit check or impact to your credit score for graduating.

The Sable Difference

Sable reports more data points, helping you build your credit faster than other credit builder cards

Pie chart showing percentages of what credit factors that Sable reports
Payment History
Payment history is the most important ingredient in credit scoring. We have built features and reminders to ensure our customers never miss a credit payment.
Length of Credit History
Unlike some other traditional banks and fintechs, Sable reports your credit history to the bureaus, so that you can see your credit grow fast!
Credit Utilization
This is calculated by dividing your total revolving credit you are currently using by your total revolving credit limit. Try to keep this below 30% by increasing your Sable credit limit. You can have a credit limit up to $10,000.00.
Reporting Credit Monthly
Generally, the longer your length of credit history, the better. Even once you graduate to unsecured credit, we will report your length of credit history from the day you opened a credit account with Sable so that you never have to worry about closing your first credit card account ever again

How it Works

Start building credit immediately

1
Add funds & set credit limit
Deposit money into your Sable bank account* then in the mobile app move money from your bank account to your Sable Secured credit account. Your credit line will be equal to the amount you move over. (The amount is up to you! And no minimum required!)
2
Spend money
Use your virtual card or physical card to start spending on your secured credit card immediately
3
Make on-time payments
Either pay off your balance in full or make your minimum  payment on time each month
4
Watch your credit score grow fast
Each month your monthly payments and other factors are reported to the major credit bureaus to build your credit history
5
Graduate to unsecured
In as little as 4 months, get back your secured funds and use your premium credit card without any security deposit requirement! Learn more here

No Fees or Minimum Deposit

There are NO annual fees, foreign transaction fees, or late payment fees

No credit check or impact to your credit score to apply

Everyone deserves a fair shot at good credit, so we don’t check your score when you apply

Build Credit History Fast

Use your Sable Secured Credit Card  for any purchase to help build your credit fast Smart habits like making your monthly payments on time can build your positive payment history, and we'll report your credit history to the major credit bureaus, unlike most debit cards or prepaid cards.

Rewards and benefits
you will love

2%
Earn 2% cash back at
Cash back logos
1%
Earn unlimited 1% cash back on all your other purchases.
2x
Get a $ for $ match of all cash back you've earned at the end of your first year.

Premium Benefits

Phone Insurance

​​Coverage in the event your covered cell phone is stolen or damaged when you buy your phone or pay your phone bill with your Sable credit card (including cracked screens!)

Car Rental Insurance

When you pay with your Sable credit card, your covered for physical damage and theft to most rental vehicles

New Purchase Insurance

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

Price Protection

When you pay with your Sable credit card, we’ll reimburse you for the difference in price on eligible items should you find the same item for a lower price or it goes on Sale within 90 days.

Extended Warranty

Double the original manufacturer’s (or store brand) warranty for eligible items purchased with your Sable credit card

Satisfaction Guarantee

Coverage for  most purchases bought with your Sable credit card, if you become dissatisfied with a new product within 60 days of purchase

Travel Assistance

Help arranging emergency roadside assistance

Zero Liability

You won’t be held liable if unauthorized purchases show up on your card - spend, worry free!

Never miss a payment!

Use autopayments to never miss a payment

Pay instantaneously through Sable bank account

Get alerted when an upcoming payment is due

Transparent insight into minimum and total payments due

How Sable Compares

Comparison between Sable secured credit card and other credit builder / secured credit cards

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Sable
Discover It
Capital One
Bank of America
Citi Bank
Chime
Graduation promise
No annual fee
Rewards
Premium card benefits
No late payment fees
Notifications when reported to bureaus
Freeze account in seconds through app
No foreign txn fee
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1. Please see  sablecard.com/tcs/debit for terms and conditions.
2. Spend on your Sable Card, in most cases, is eligible for rewards. Please see terms and conditions at www.sablecard.com/tcs/debitRnB for exclusions.
3. This benefit is provided by MasterCard.  Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage.  Please see terms and conditions at sablecard.com/tcs/debitRnB
4. Monthly fees and Minimum Balance Requirements are based on Chase Premier Plus CheckingSM. Data for Monthly Fees, Minimum Balance Requirements, Overdraft/Insufficient Fees and Foreign Transaction fees pulled from Chase's Personal Schedule of Fees as of December 14th, 2020:
https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf
5. Monthly fees and Minimum Balance Requirements are based on Bank of America's Advantage Relationship Banking. Data for Monthly Fees, Minimum Balance Requirements, Overdraft/Insufficient Fees and Foreign Transaction fees pulled from Bank of America's Personal Schedule of Fees as of December 14th, 2020: