Sable One Secured credit card full review

Get one of these fantastic credit cards to start establishing your own credit. Check our review on the Sable One Credit Card

Keep reading and learn more about the Sable One Secured credit card

It can be challenging to start building credit when you’ve never done it before. Secured credit cards offer the same benefits as regular credit cards, such as a credit limit, interest rates, and occasionally even rewards, but with the additional condition of making an upfront security deposit.

Consider the Sable Secured Card in particular if you have low credit, little or no credit at all, past credit problems, or if you don’t have U.S. citizenship. No U.S. credit history or Social Security Number is required for interested individuals to apply, and cardholders can earn up to 2% cashback.

Since there is no credit check, applying for the card has no impact on your credit score (i.e., there is no hard query on your credit report), and the approval process is usually rather simple.

How does the Sable One Secured credit card work?

At the end of the first year of card membership, Sable Secured Card members will get a dollar-for-dollar reward to match as a welcome bonus, which will immediately double their cash-back earnings.

Sable will therefore double your $250 cashback from the first year by 2, giving you $500 in cash back.
Members of the Sable Secured Card are also entitled to limitless 2% cash back on purchases made through Amazon, Hulu, Netflix, Spotify, Uber Eats, and Whole Foods, in addition to 1% cash back on all other purchases.

Both an annual fee and a late payment penalty are waived with the Sable Secured Card. When making purchases outside of the United States, a 2% foreign transaction fee applies.

New Sable cardholders must make an upfront security deposit, which serves as their credit limit, just like with the majority of secured credit cards.

For instance, if you put down a $1,000 security deposit, your credit limit would also be $1,000. There is no minimum deposit requirement, and the maximum amount is $10,000.

Sable Graduation program

One amazing feature of the Sable One is the Sable Graduation Program

With Sable, switching from a secured credit card to an unsecured credit card could take as little as 4 months.

Receive precise direction using observable benchmarks to assist in releasing unsecured credit. We simplify and increase the transparency of this process.

During this program, you need to reach certain milestones, such as:

  • Use your Sable secured credit card at least $250 each month.
  • Make at least 15 transactions every month. On your Sable secured credit card, transactions conducted in-person or online are referred to as purchases.
  • You should have a secured credit card with a monthly limit of at least $200.
  • Pay at least the minimum amount owed each month.
  • Make a monthly payroll or regular payment of at least $150 from your external account or payroll provider to your Sable account.

If you achieve your monthly goals for at least four months running, you can be eligible for graduation. You can always restart if you lose your streak.

Not only it allows you to have good credit building, but also teaches you how to use your credit card in a manner that you become a better expender.

Sable One Secured credit card benefits

Sable provides advantages when you use your card that you would often get with an unsecured credit card, in addition to cash-back rewards and an annual match.

These cover:

  • Rental car insurance;
  • Extended warranty coverage on products bought with the card
  • Guaranteed zero liability on unauthorized purchases
  • Satisfaction guarantees on the majority of purchases that you decide you don’t want within 60 days of making them, as well as price and purchase protection
  • Cell phone protection in the event of theft or damage (including a cracked screen)

How to apply to get a Sable One Secured credit card

So, if you want to begin building credit, have a lot of benefits and cashback, have the benefits of an unsecured credit card, and allow it faster than other banks, this card is ideal for you.

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