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The Sable Secured Credit Card

Maintain financial security with a safe, FDIC-insured bank account. No minimum deposits or yearly fees and 1 percent cashback on your preferred brands.

Sable Secured Credit Card
Source: Sable Secured Credit Card

Many of the obstacles to creating credit are removed with the Sable One secured credit card from Coastal Community Bank. It differs from several other secured credit cards in that you may determine the size of the security deposit, no credit check is necessary, and it even accrues points.

Sable Secured Credit Card
CREDIT CARD
SABLE
98% approval rate. No credit checks $0 annual fee. No hidden fees
The premium card that revolutionizes credit building.
APPLY NOW

It’s also one of the few secured choices that provides a straight route to unsecured credit, making it a rare choice. Your interactions, engagement, and behavior with the secured credit card are used by Sable, the mobile fintech business that issued the card, to assess your eligibility to graduate to Sable’s unsecured credit card.

Other card details

To obtain a Sable card, a Sable bank account is required. No credit check is required, but you will need an account and a security deposit, and a social security number if you have one, otherwise it is possible to qualify using a passport, US visa or non-I-94 tourist and a US address.

You will be able to make use of the bank account and your secure card as soon as the deposited amount is available in the account.

Although it will take some time for physical cards to arrive, Sable will make virtual cards available for online transactions. The Sable also does not charge fees for overdrafts or require minimum deposits. However, it is possible that you will have to pay the fees at an ATM if the provider demands them.

Learn more about Sable Secured Credit Card

The Sable bank account will serve as a means of transferring the security amount of your choice to a reserve account, which will be held as collateral.

Generally, a regular card requires hundreds of dollars of initial deposits and that amount will become your line of credit. But in the case of Sable, who determines this value is you.

Ideally, add a guarantee value that maintains a low credit utilization rate. Since this is your total credit percentage, using it heavily affects your credit score. Especially for those looking to build a good credit score, it is recommended to keep your Sable credit card spending less than 30% of the credit limit on your card.

For example, if you put a value of $1,000, keeping your spend below 30% would mean not charging more than $300 to your card.

If it is not possible to add a large amount as a security deposit, there is a possibility to increase your limit later.

Other Benefits of the Card

  • No credit check: Since Sable doesn’t conduct a credit check on applicants, the application procedure has no effect on your credit score.
  • SSN not required: You can apply using your passport and U.S. visa if you are not a citizen of the United States and do not have a Social Security number (SSN). Citizens of the United States must apply using their SSNs.
  • From secured to unsecured: In as little as four months, consumers may move from a secured credit card to an unsecured one by following the Sable “Path to Unsecured Credit” strategy. Sable will take into account several factors to evaluate if you can graduate.
  • Additional Sable services: You can apply for other products, such as the Sable bank account and debit card, in addition to the Sable Secured Credit Card. All

Learn how to apply

Applying for the Sable Secured Credit Card is a straightforward process, designed for those looking to build or rebuild their credit history. This comprehensive guide aims to assist you in navigating the application process with ease.

  • Step 1: Check Eligibility: Ensure you meet Sable’s basic criteria. Typically, applicants must be at least 18 years old and possess a valid Social Security Number or Individual Taxpayer Identification Number.
  • Step 2: Gather Necessary Information: Prepare essential documents like your government-issued ID, proof of address, and financial information.
  • Step 3: Apply Online: Visit Sable’s official website to fill out the application form. It’s user-friendly and guides you through each step.
  • Step 4: Fund Your Account: As a secured credit card, Sable requires a refundable security deposit. This amount will determine your credit limit.
  • Step 5: Await Approval: After submitting your application, Sable will review it. Approval times vary, but you can expect a prompt response.
  • Step 6: Start Building Credit: Once approved, use your Sable Card responsibly to build a positive credit history.
Sable Secured Credit Card
CREDIT CARD
SABLE
98% approval rate. No credit checks $0 annual fee. No hidden fees
The premium card that revolutionizes credit building.
APPLY NOW
Written By

Copywriter/Editor and finance expert known for concise and informative articles on investing and wealth management. With experience simplifying complex topics, Roberto empowers readers to make sound financial decisions.

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