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Sable Secured Credit Card: Build a U.S. Credit History

Cory Santos

| Last updated on November 9th, 2023


Please note that this credit card offer is currently unavailable. To view more credit card options like this one, please click the link below. 

At a Glance

The Sable One Secured Mastercard is a fintech card designed to help build credit while earning rewards at the same time. The card, issued by Coastal Community Bank, offers up to 2% cash back and features no hidden fees, no annual fee, and no credit check.

Ideal for Those:

  • New to credit
  • Resident in the U.S. but not a citizen
  • Prefer digital banking to in-branch banking
  • Don’t want to pay an annual fee
  • Don’t want a credit check to impact their credit score

Sable One Secured Card Review

The Sable One Secured Mastercard Credit Card is a fintech secured card that helps build a positive credit history in the United States – without any hidden fees and with no credit checks.

How Does Sable Work?

The Sable One Secured Card is like any other secured credit card in that it requires a cash deposit to open. That deposit acts as the collateral for the credit line – and the credit limit. Unlike other secured cards, Sable does not have a minimum deposit and a high-end, maximum deposit of $10,000, meaning applicants have great flexibility in building credit with a credit limit that works for their needs.

To apply for a Sable One Secured Card, applicants will need an existing Sable bank account. Sable accounts operate through the Sable mobile app (available through the Apple App Store and Google Play Store). Once a member, they simply need to navigate to the Sable One Card in the Cards screen of the Sable app and click ‘Increase credit limit.’

Once the funds are added, the credit line is secured. Cardholders can continue to add funds later to raise their credit limit if desired – up to the $10,000 maximum.

Perfect for Non-U.S. Citizens

One of the great allures of Sable and its card products is that they are designed for U.S. residents – and not just U.S. citizens. Applying for a Sable Card or account does not require a Social Security Number (SSN) if you are a non-citizen. Instead, applicants need the following information:

  • Valid passport
  • Current U.S. address
  • U.S. Visa or Non-Tourist I94 form

Of course, if you have an SSN, there is no reason you can’t apply for the Sable One Secured Card. However, it is a great feature that the company accepts applicants from outside the United States. It offers an excellent route to building a positive credit history for recent immigrants or international students.

Related Article: Who Can Apply for a U.S. Credit Card?

Earn Rewards with Every Purchase

Greater credit access is just one feature of the Sable Secured Card. The card also offers impressive cash back rewards on every purchase.

Cardholders earn 2% cash back on purchases with a variety of retailers, including:

  • Amazon
  • Hulu
  • Netflix
  • Spotify
  • Uber and Uber Eats
  • Whole Foods

Cardholders also earn 2% back on all eligible purchases. That earning rate (1%) matches the flat-rate cash back with the Sable Debit Card. Cash back rewards are automatically credited to the cardholder’s Sable banking account and can be used to pay down the card’s statement balance

Credit Builder Bonus

While the Sabe Card is a cash back rewards card, at its heart, it is designed to help users build a positive credit history. Sable helps accelerate this process by regularly reporting to the major credit bureaus every month. The company currently reports to Experian and Equifax monthly, with plans to add TransUnion to its reporting in the future.

Another way that Sable helps promote credit growth is by offering a one-time cash back meeting a credit score minimum. Cardholders get $25 when they build their credit score to a 700+ credit score within 12 months of use.

Other Card Features

Beyond cash back and the chance to build U.S. credit, the Sabe One Card comes with a host of other impressive benefits. These perks and features include:

  • Cellular telephone protection for loss, theft, or damage when the bill is paid with the Sable Card
  • Mastercard Zero Fraud Liability protection
  • Purchase assurance and price protection coverage
  • Mastercard card rental insurance
  • Mobile wallet compatibility with Google Pay, Apple Pay, and Samsung Pay
  • 2% variable foreign transaction fee
  • No annual fee
  • Low purchase APR of Prime + 6.99% APR

FAQs About the Sable ONE Secured Credit Card

Here you will find answers to commonly asked questions about the Sable Secured Card:

Applying for the Sable ONE

  • 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


    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.

  • Yes! Sable is designed to provide access to credit for non-U.S. citizens.
  • No. Sable won’t run any type of credit history to open your secured credit card or deposit account.

Everyday with the Card

  • 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!

  • 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.

Sable ONE Card Ratings

How does the Sable Secured Card up? Here are a selection of expert reviews for the card:


BBB Rating



User Rating


User Testimonials

What is the Secured Sable ONE Credit Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:

William R
William RBestCards Reader
Read More
The Sable Card is a great tool in the credit building journey. Thank you Sable for giving me the credit I needed when others wouldn't.

Should You Apply for the Sable One Secured Mastercard Credit Card?

The Sable One Secured Card offers plenty of substance for no annual fee. The card is the perfect tool for anyone new to credit, new to the U.S., or both.

Sable’s digital-first platform is a great feature that provides an interface most young adults will be immensely familiar with and removes much of the strain and anxiety that opening a secured credit card (or even a bank account) in a branch can cause. Instead, applicants simply open a Sable account, fund it,

and then transfer fees to the Secured Card to open – with no credit check needed.

The array of rewards and protections with the card are equally impressive. Top among those benefits is up to 2% back on eligible purchases, with several major retailers offering those enhanced savings. Add to that cell phone protection, Zero Fraud Liability, Sable’s Guarantee, and no hidden fees, and you have an excellent secured credit card option to consider.

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