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The premium card that revolutionizes credit building.

* Sable Credit account is subject to opening a Sable debit account
Sable’s graduation program6

Build credit and you may get unsecured in as fast as 4 months. 

Quick way to build U.S credit score

Build your credit faster with Sable’s enhanced data reporting to major credit bureaus.

Unlimited cashback and premium perks

2% unlimited cash back on select brands, premium benefits & much more!

$0 annual fee.
No hidden fees

No monthly or annual fee, low APR of prime +6.99%. No hidden fees.

98% approval rate.
No credit checks

Apply and get access to credit in 5 minutes. No credit checks or impact to your credit score.

How it works
How it works

How Sable ONE secured credit works

  • Set credit limit.

    Add funds to your Sable bank account and set your credit limit.
  • Spend money.

    Use your card anywhere Mastercard is accepted and earn rewards while you spend.
  • Build credit.

    Watch your credit grow faster than anywhere else. Get updates through your personalized AI credit coach.

(Re)Build Your Credit

(Re)Build Your Credit

(Re)Build Your Credit

(Re)Build Your Credit

(Re)Build Your Credit

(Re)Build Your Credit

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

35%
Payment history

30%
Account utilization

15%
Account age

20%
Other

Example of a $250,000 mortgage loan:

 When you have good credit, you could pay $69,718 less for the exact same debt.

Strong credit score

Score

700

Interest rate

3.05%

Monthly payment

$1,061/month

Total paid over mortgage lifespan

$381,924

Weak credit score

Score

620

Interest rate

4.41%

Monthly payment

$1,255/month

Total paid over mortgage lifespan

$451,642
Strong credit score
Weak credit score

Score

700
620

Interest rate

3.05%
4.41%

Monthly payment

$1,061/month
$1,255/month

Total paid over mortgage lifespan

$381,924
$451,642

Example of a $20,000 auto loan:

 When you have good credit, you could pay $5,191 less for the exact same debt.

Strong credit score

Score

720

Interest rate

3.9%

Monthly payment

$441

Total paid over mortgage lifespan

$1,636

Weak credit score

Score

590

Interest rate

15.2%

Monthly payment

$559

Total paid over mortgage lifespan

$6,827
Strong credit score
Weak credit score

Score

720
590

Interest rate

3.9%
15.2%

Monthly payment

$451
$559

Total paid over mortgage lifespan

$1,636
$6,827

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 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.

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.

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

Safe. Stable. Sable.

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

THE New SABLE CREDit Card

Bright as your future.
Coming soon.

Modern Design for Modern Banking

Matching Physical & Virtual Cards

Durable, Glow-in-the-Dark Material

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No Annual Fee

Cash Back & Rewards

Premium Card Perks

No Late Payment Fees

Credit Report Notifications

Easy Account Freeze

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

FAQs

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What do I need to apply for Sable products?

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

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

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What is a secured credit card?

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

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How do I pay my Secured Credit Card balance?

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Due date and billing cycle

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