Sable Credit Card Review 2024: Best Secured Credit Card?

Written By Eddy Ballesteros

Updated on: February 7, 2024
Sable Credit

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Eddy's Take On Sable Credit

Sable One Secured Card Overview

Suppose you have poor credit and do not want to apply for other credit-building tools, yes, Sable. Why?

You only need a minimum deposit of $10 to open your account and build credit. So try it out for yourself and just put in the lowest deposit.

Ensure you complete the process without skipping or misspelling your personal information.

Sable One Credit


  • Graduate from unsecured to a secured line of credit after 4 months
  • No annual fees
  • Reports to the credit bureaus on a monthly basis
  • You can apply with no Social Security Number


  • Many reviews say they have terrible customer support
  • 2% Foreign Transaction Fee
  • Many people are saying that the app is slow or hard to navigate

Do you have bad credit and want a secured card with premium benefits?

The Sable Credit Card can help you out. It's a secured Mastercard that helps you rebuild credit, and it comes with some other great features too that most secured credit cards do not provide.

With Sable Credit Card, you can get a physical card and digital wallet that will help improve your credit score. Plus, there's no credit check required.

In this Sable Credit Card review, you'll learn how it can help you improve your credit score in 2024.

So, what's the major problem with credit cards? You're interested in a credit card, but don't want to get one that will hurt your credit score.

Many people are hesitant to apply for a new credit card because they fear it will damage their credit score

Sable Credit Card is different. It's a secured Mastercard that helps you build credit and get you money back into your pocket.

What Is Sable Credit Card?

Sable Credit Card

The Sable Credit Card is a secured Mastercard that helps you build credit. It comes with some other great features too, like the ability to set your credit limit and earn 2% cash back on purchases.

You will be sent statements for your credit card purchases each month, with a due date that you must pay off using funds from your checking account.

Your reserve amount will not be automatically utilized to safeguard your credit limit since it will stay constant.

What Bank Is Sable Credit Using?

Coastal Community Bank

Sable Credit works with an FDIC-insured bank which goes by the name of Coastal Community Bank.

They also have partnered with a Y-Combinator-backed fintech company to help deliver a modern and mobile-first experience.

Sable One Credit Card Features

Sable One Card Features

For those that don't know, this secured card isn't your average credit card. In fact, it's quite different. For starters, there are:

  • The ability to set your credit limit: You can whatever limit you'd like whether it's $10 or $1000.
  • No credit check required: No credit history is required when you apply so don't worry about impacting your credit report.
  • 2% cashback on most subscriptions: Online or most stores such as Netflix, Whole Foods, Uber Eats, and other related places.
  • 1% cashback on all other purchases: Get rewards back to your bank account with 1% cash back rewards.
  • Zero Liability Protection: Sable protects you against chargebacks, fraud, and any other problems caused by fraudulent activity on your credit cards.
  • Dollar-for-dollar match: get all the cash back rewards at the end of your first year. Sable‚Äôs Double Cash Bonus offer
  • A physical Mastercard that helps you build credit: That's right, everyone loves having a physical card in their wallet.
  • Car Rental Insurance: Sable helps you pay for physical damage and theft to most rental vehicles through Mastercard car rental insurance coverage.
  • Report to all three major credit bureaus: Sable reports your credit history and other points to Experian, Equifax, and TransUnion.
  • Price Protection: Sable will reimburse you for the difference in price on eligible items should you find the same item for a lower price. That's an easy way to earn cash back into your pocket.
  • Cell Phone Protection: Get purchase insurance on your cell phone whether it was stolen or damaged (Yes, that includes damaged screens).
  • Purchase Assurance: Get purchase protection on any new items within 90 days from the date of purchase in the event that they're damaged or stolen.
  • Extended Warranty: Sable doubles the manufacturer's warranty on eligible purchases for up to one year.
  • Identity Theft Protection: With Sable, you're protected against any fraudulent activity that may occur on your credit card.
  • Graduate to an unsecured credit card: If you make 4 consecutive payments to your secured card, you will be eligible to get an unsecured credit line. 

Sable App

Sable The Sable App

You can now download the Sable app which allows you to view your account activity and track your progress in rebuilding your credit score. The app is available for both iOS and Android devices.

App Features

The app allows you to easily see your account activity and credit score in one place.

You can also see how much money is set for your credit limit, set goals, and transfer money to your Sable bank account from your linked checking account.

Here are all the features you get when you download the app:

  • Schedule recurring payments
  • Freeze and unfreeze cards instantly in the Sable mobile app
  • View instant transaction notifications
  • Set up payroll direct deposit
  • View your credit history online
  • Refer a friend program
  • For You section offers guidance and free online resource tools

So check out the Sable app and view your online account to make better credit decisions.

Sable Debit Card

Sable Debit Card

Sable offers a no-fee, premium cashback debit that anyone can apply for. Even if you do not have an SSN (You can use a Passport)

The Sable Debit card offers:

  • 1% unlimited cash back on your favorite brands and premium perks like Purchase Protection
  • Price match on foreign transaction fees
  • Get multilingual customer support
  • No minimum deposit to get started
  • Send money internationally to 55+ countries
  • Integrate with Venmo, CashApp, Robinhood, and Coinbase
  • Free online account access with PDF bank statements
  • No Overdraft & Insufficient Funds Fees
  • Get incoming direct deposits to your account
  • Opportunity to fix damaged credit with their credit builder

The Sable Debit Card is a great way to build a brighter financial future for your you and your wallet.

How Does The Sable Credit Card Work?

With Sable's secured credit card, you can start to increase your credit score and receive many benefits that other beginner credit tools don't offer.

The Sable Secured Credit Card works by reporting your payment history to the credit bureaus. This helps you build credit over time.

How To Get Started With Sable

Sable One Credit Card Start

Ready to get started with the secured sable one credit card? Here is exactly what you need to do: 

  • Visit the Sable One Credit website and click "Apply Now". 
  • Enter your personal information, including your name, address, date of birth, and SSN.
  • Choose how much you would like to deposit for your credit limit (the minimum security deposit is $10).
  • Graduate to unsecured credit in as fast as 4 months, and get 100% of your secured deposit back, with no credit check.

Is Sable Credit Card Legit?

Yes, Sable Credit is a legitimate company that helps you improve your credit score.

They have partnered with a solid financial institution (Coastal Community Bank) and you can feel safe knowing your personal information is secure.

Is The Sable Credit Card Safe?

Yes, the Sable secured card is completely safe to use. Sable is available to US residents and Non-US residents.

You can view their terms & conditions which outline their commitment to keeping your information safe and secure.

Can I Get A Sable Credit Card If I Have Bad Credit?

Yes, you can get a credit card with poor credit. In fact, the Sable secured card is designed for people who have bad credit or no credit history at all.

When you apply for the Sable card, your credit score is not a factor in the decision process.

FAQ About Sable

Sable FAQ

Does Sable Card Build Credit?

Yes, this unsecured card will help you with your credit report and you can earn cash back on most everyday purchases.

How To Contact Sable Credit Card?

They can be reached via phone at (833) 583-8383, or by email at You can also chat on

What Is The APR For Sable Credit?

The interest rate is a variable rate + 9.99% and is subject to change.

Final Verdict

So if you are looking for a secured credit card that can give you money back on all your purchases, the Sable credit card is a great choice.

With no fees and the ability to improve your credit score without good credit history required, this card is a great option for anyone who wants to start building their credit or for those who have bad credit.

It's very simple to apply and you'll probably go through a quick account review process. After that, you should be able to start using your new card right away since they provide you with a digital and physical card.

So get that Sable money and enjoy your secured credit card.

About the Author Eddy Ballesteros

Welcome to Credit Plush! Credit is something I'll always enjoy writing about. I've helped many people improve their credit scores and start their credit repair businesses.