How does the Sable Credit Card Work?

Sable Credit Card offers debit and credit cards issued by MasterCard to US and non-US citizens.

Sable Credit Card 

The cards had linked to a fully digital online checking account backed by Coastal Community Bank. And your funds are FDIC insured up to USD 250,000. No fee or minimum balance had required to open and maintain an account.

Sable Credit Card

Travelling with a debit card is also easy and works internationally. And the great news: There are no credit checks to open an account. Newcomers to the US can apply for a card without a Social Security number.

However, you must provide a US residential address to approve your account and receive physical debit cards. We’ll review how to set up your Sable account and cards below (making Sable work for you).

You can use a Sable checking account to receive your salary/student grants, shop in-store or online, and pay your utility bills.

Sable Credit Card is optional, and they offer secured credit cards – ideal if you have a less credit score or no credit history in the US. These cards had quickly approved, and you can set a credit limit with a deposit equal to your Sable checking account (locked as collateral) while you rebuild your credit score.

Who Should Get a Sable Secured Credit Card?

Like most secured credit cards, the Sable Secured Credit Card had designed to help people with bad or little credit history build their credit. 

It has no strict credit requirements, requiring a credit check and a Social Security number (or US credit history). It can also be a good option for those trying to establish a credit history.

The card offers cashback rewards and built-in perks like cell phone insurance and car rental coverage. Considering that most secured credit cards provide rewards or benefits, the Sable Card is lovely.

Sable Secured Credit Card Benefits 

Generous Welcome Offer:

A dollar-for-dollar match of the Cashback you earn in your first year. Using your card frequently during the first year of membership can make many cashback rewards.

No Credit Check:

Sable does not require a credit check for you to apply, meaning your credit score will not affect during the application process.

No annual fee:

This credit card has a $0 annual fee, making it easy to decide if it’s worth hanging on to for a year.

Build credit:

Sable credit activity reports to the three major credit bureaus, including Experia,n, Equifax, and TransUnion, and shows up on your credit report. If you can raise your credit score to 700+ within 12 months, Sable will reward your efforts.

Earn Cash Back:

Get 2% cash back on purchases at Amazon, Whole Foods, Uber, Spotify, Uber Eats, Netflix, and more, Plus 1% on all other purchases. Most secured credit cards offer no investment rewards, a unique and valuable benefit. 

Cell Phone Protection:

Get coverage against the loss or theft of your phone if you pay your monthly cell phone bill with this card.

Car Rental Insurance:

Get car rental coverage against damage or theft through Master Rental Insurance.

Sable Credit Card New Purchase Insurance: 

Get coverage against theft or loss of new purchases for 90 days.

Price Protection:

Receive the distinction in price if you buy an item and find the same thing at a lower price within a specified time.

Extended Warranty Coverage:

Eligible products purchased with your credit card receive double the manufacturer’s (or store’s) warranty.

Satisfaction Guarantee:

Get coverage for eligible purchases not accepted by the merchant for returns within 60 days of purchase.

Travel assistance:

When traveling abroad, get information on emergency roadside conditions, destination information, and a network of doctors, embassies, and lawyers.

No foreign transaction fees:

The Sable Secured Credit Card has no foreign transaction charges, making it a prime choice for travel. 

High-security deposit limit:

Most secured credit cards require a security deposit to establish your line of credit, and you had often limited to how much money you can deposit. Sable allows you to deposit up to $10,000, which gives you a $10,000 credit limit.

Other Sable Services:

Besides the Sable Secured Credit Card, you can apply for products like the Sable Bank Account and Debit Card. These products can access and utilized through the Sable app available on iOS and Android devices.

Defects to the Sable Credit Card

No Balance Transfers:

The Sable Credit Card does not offer the facility to make balance transfers. However, most secured credit cards do not have this feature.

Limited reward categories:

You can only do a little with this card if the reward categories match your daily spending. The Sable Credit Card has some popular varieties but may only work for some. 

For added convenience, compare credit cards that earn rewards like Cashback, points, or miles.

Earning and redeeming Cashback

Best ways to earn:

To earn the most Cashback with your Sable Credit Card, utilize it as much as possible on purchases you’ve already made. It can include paying for utilities (if cards are accepted), gas, groceries, entertainment, and more.

Remember that you get 2% Cashback on purchases on Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more. All other purchases earn 1% Cashback.

Maximizing your redemptions:

Maximizing your savings or getting the most value from a Sable Secured Credit Card is optional. This card earns Cashback and offers only one redemption choice for your card rewards: statement credits applied to your account balance.

How and when does the Sable Credit Card Work?

Building Your Credit Score in the US:

The Sable app has inbuilt credit-building guidance that tells you how much to use on a line of credit when to pay your bills, when to apply for a credit limit increase, and more. It will gradually increase your credit score.

Obtaining a checking account in the US:

Even if you have a lower credit score or are new to the US, Sable can set you up with a fully functional checking account.

This account works like a regular high street bank account and can send and receive money from the US and abroad, pay rent and utilities, shop online or in-store, and more.

Send money home (or to someone abroad):

Currently, Sable offers international transfers in 70+ currencies at mid-market rates with Wise (review). And we highly recommend Wise because it’s useful for sending money home or to friends and family living abroad.

Travelling internationally:

The Sable Debit Card is automatically accepted internationally and can be used in 200+ countries where MasterCard was accepted.

Shop online and offline (with Cashback):

Sable offers virtual and physical debit cards that can be used online and in stores in the US and worldwide. You can get 2% cashback with 1% on Amazon, Netflix, Uber, and others.

Withdrawal of Cash:

You can withdraw Cash from your Sable checking account with a debit card, usually without a fee, at all MasterCard ATMs in the US. Other ATMs may charge a fee.

Free payments to friends and family in the US:

Sable integrates with Zelle, Venmo, and CashApp, allowing you to send money faster to other US bank accounts for free.

When doesn’t it work?

Money is locked:

To build or rebuild a credit score, Sable makes getting a credit card without a credit check possible. The downside is that they lock up some of your money while you rebuild your credit score.

But the great news is that you can “graduate” to an unsecured credit card that doesn’t require funds to be locked up “within four months.”

Contactless Card Payments:

Currently, Sable one cards do not support contactless payments in stores. However, they integrate with Apple Pay, Google Pay, and Samsung Pay, meaning you can make contactless mobile wallet payments if your phone or wearable supports it.

Build your savings:

Sable does not offer a savings account, and your money does not earn interest.

Large international transfers or transfers in foreign currencies:

While Wise is known for its affordable prices for small international bank transfers (under $7000$/£4500 GBP/€4500 EU/$9500 CAD AUD), we think better alternatives exist. 

Multi-currency support:

Although the Sable card works internationally, you can only load it with US dollars, and if you’re a frequent traveler, it can get pretty expensive with all the fees.

Activating your Sable Debit or Credit Card

Your Sable Debit Card will ship to your US address (provided at the time of account opening) within 7-10 days. You can choose expedited delivery (with a $20 fee) to receive the card in 3-5 days.

To activate the card:
  • Log in to the app
  • Select “Cards symbol.”
  • Choose a debit or credit card
  • Set a 4-digit PIN (this PIN works for both virtual and physical cards)

Applying for your Secure Sable One Credit Card

After setting up your account, you can apply for a Secured Sable One Credit Card in the app. Set a credit limit and fund your Sable account – this amount had locked in and serves as your line of credit for the card.

After that, you will receive the card in the mail, and you can activate it just like your debit card. Each month, you will receive a credit card statement and a due date for your payment. Regular payments and using a portion of your credit line can boost your credit score.

Note: The deposit you make when applying for the card cannot use for credit card payment as it had considered collateral for the card.


How much does a Sable card charge for late payments?

Sable does not charge a late payment fee on its secured credit card. But you still have to pay interest at a rate of 13.24% (variable) on any balance you have and don’t pay on time.

 Is Sable an actual credit card?

The Sable Secured Credit Card had a genuine credit card offered by Sable in partnership with Coastal Community Bank. This card has no strict credit requirements, and you must be a US resident. You do not require a Social Security number to apply if you are not a citizen. It can help you build your credit while offering rewards for purchases.

 Is Sable safe?

Yes, both Sable accounts and cards are entirely safe to use.

 How does the Sable Card build credit?

They start by giving you a secured credit card, which means you have to deposit money to cover the credit limit you give yourself. Their app will then help you “graduate” your credit to unsecured credit, where you can continue to increase your credit limit.

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