Secured Sable ONE Credit Card

Quick Snapshot

• Annual Fee: $0
• APR: 18.74% variable
• Rewards: 2% cash back on dining, 1% cash back on all other purchases
• Bonus: No welcome bonus
• Best For: Immigrants, visa holders, and newcomers to the US who need to build a US credit history
• Credit Needed: No US credit history required (no SSN required to apply)

Overview

The Secured Sable ONE Credit Card is specifically designed for people who are new to the United States and need to establish a US credit history. The card does not require a Social Security Number (SSN) for application, making it accessible to immigrants, visa holders, international students, and anyone who has recently arrived in the US. You can apply with a passport and US address.

The card requires a $100 refundable security deposit, which serves as your initial credit limit. You earn 2% cash back on dining and 1% on all other purchases, which is a competitive rewards structure for a secured credit-building card. The 18.74% APR is one of the lowest available on any secured card, and there is no penalty APR.

Sable reports to all three major US credit bureaus, which is essential for newcomers who need to build a credit file from scratch. The Sable banking app also offers a checking account with no monthly fees, making it a one-stop solution for newcomers who need both a bank account and a credit card. Over time, with responsible use, Sable may upgrade you to an unsecured card and refund your deposit. For US newcomers, the Sable ONE provides a rare combination of accessibility, rewards, and credit building.

APR Breakdown

• Purchase APR: 18.74% variable
• Balance Transfer APR: N/A
• Cash Advance APR: N/A
• Penalty APR: None

Note: Variable APR of 18.74%. No SSN required to apply. Designed for newcomers to the United States. No penalty APR.

Benefits Overview

Newcomer Accessibility

• No SSN required for application
• Apply with passport and US address
• Designed for immigrants, visa holders, and international students
• No US credit history required
• $100 refundable security deposit

Cash Back Rewards

• 2% cash back on dining purchases
• 1% cash back on all other purchases
• Competitive rewards for a secured credit-building card
• No caps on cash back earned
• Cash back redeemed through the Sable app

Credit Building and Banking

• Reports to all three US credit bureaus
• Sable banking app includes free checking account
• One-stop solution for banking and credit building
• Potential upgrade to unsecured card with responsible use
• Low 18.74% APR for a secured card

Rewards & Points

• 2% cash back on dining purchases
• 1% cash back on all other purchases

Cash back is earned at 2% on dining and 1% on everything else with no caps or restrictions. The dining bonus makes this one of the few secured cards with a category-specific bonus rate. Cash back is managed through the Sable app.

Welcome Bonus

The Secured Sable ONE does not offer a welcome bonus. The card's value for newcomers is in the accessibility (no SSN required), the cash back rewards (rare for a secured card), and the credit-building potential with all three US bureaus.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $25
• Cash Advance Fee: N/A
• Balance Transfer Fee: N/A
• Returned Payment Fee: Up to $25
• Security Deposit: $100 (refundable)

Who This Card Is Best For

Ideal For

• US newcomers who need to build a US credit history from scratch
• International students who do not have an SSN
• Visa holders and immigrants who need a credit card and banking in one app
• Dining enthusiasts who want 2% cash back on restaurants while building credit

Not Good For

• US citizens with credit history who can qualify for much better unsecured cards
• Rewards maximizers who want higher rates or more category bonuses
• High-limit seekers who need more than the $100 initial deposit limit

Key Pros & Cons

Pros

• No SSN required for application (passport accepted)
• 2% cash back on dining is exceptional for a secured card
• 1% on everything else is competitive for a credit-building card
• No annual fee
• Low 18.74% APR is among the best for secured cards
• No penalty APR
• No foreign transaction fees
• Reports to all three US credit bureaus
• Sable app includes free checking account
• Only $100 security deposit required

Cons

• No welcome bonus
• $100 security deposit required (though refundable)
• Initial credit limit may be limited to deposit amount
• Sable is a newer company with a smaller customer base
• Limited card benefits beyond cash back and credit building
• No balance transfer or cash advance options
• Must open Sable banking account alongside the card
• Not widely known, which may concern some applicants

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Annual value of $120 on $9,000 in spending. For a no-annual-fee secured card with no foreign transaction fees, this is among the best returns available. The primary value beyond cash back is establishing a US credit history that opens doors to apartments, loans, and premium cards.

Should You Get This Card?

You Should Get It If...

• You are new to the United States and need to build a US credit history
• You do not have an SSN and need a card that accepts passport verification
• You want cash back rewards on a secured card (2% dining, 1% else)
• You want a low APR on a secured card (18.74%)
• You need both a bank account and a credit card in one app
• You want no annual fee and no foreign transaction fees
• You can put down a $100 refundable security deposit

You Should Skip It If...

• You are a US citizen with existing credit history
• You want a traditional welcome bonus
• You need a high credit limit from the start
• You do not want to open a Sable banking account
• You qualify for unsecured cards with better rewards
• You want premium card benefits like travel insurance or lounge access

Apply Now

Apply for Secured Sable ONE Credit Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.