Getting Started
Do I need a Social Security Number to open a Sable account? +
No. Non-U.S. citizens can apply using their passport and U.S. visa. You'll need to submit an SSN once you receive one, but it's not required to get started.
Is there a credit check to apply? +
No credit check is required to open a Sable account or get a secured credit card. We welcome applicants with no U.S. credit history at all.
How long does it take to open an account? +
Most applicants are approved and set up within 5 minutes. Download the app, verify your identity, and start using your virtual card immediately while your physical card ships.
Credit Building
How does Sable help me build credit? +
Sable reports your payment activity to all three major U.S. credit bureaus (Equifax, Experian, TransUnion) every month. Consistent on-time payments build a positive credit history from Day 1.
How soon will I see my credit score improve? +
Most customers see their first credit score appear within 3–6 months of opening their account. Scores typically improve steadily with responsible usage and on-time payments.
Fees & Cash Back
What are the fees? +
$0. No monthly fees, no annual fees, no minimum balance requirements, no hidden charges. Sable is completely free to use.
How does the 2% cash back work? +
Earn 2% cash back on purchases at Sable's partner brands (Netflix, Spotify, Amazon, Uber, Whole Foods, and more), and 1% on all other purchases. In your first year, all cash back is doubled automatically.
Security
Is my money safe with Sable? +
Yes. Banking services are provided by Coastal Community Bank, Member FDIC. Your deposits are insured up to $250,000 per depositor — the same protection as any major U.S. bank.