Get unsecured fast with our graduation promise

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

Get Started

Key factors taken into account when determining your eligibility include:

  • Age of secured credit card account
  • On-time payments history
  • Spend amount and frequency
  • Monthly active usage
  • Secured credit limit size
  • Credit outstanding balance
  • Sable bank account balance
  • Payroll direct deposit history
Sable determines eligibility based on responsible use of the secured card account. Sable may consider other factors not listed.

How it Works

1
Spend responsibly and hit our clear milestones to increase the likelihood and speed to becoming unsecured.
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.

Our path to unsecured promise

These milestones provide an accelerated and transparent path to graduate from a secured Sable ONE credit card to an unsecured Sable ONE credit card.

  • On-time secured credit card payments every month
  • Transactions of at least $250 on your secured credit card every month
  • 15+ transactions on your secured credit card every month
  • Credit limit of at least $500 on your secured credit card for the last 4 months
  • Monthly payroll direct deposits of at least $500 per month for the last 4 months
Milestones increase the likelihood and speed you become unsecured.
Not all milestones need to be reached, however the more milestones you reach the quicker your graduation may be!
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: