Is This Cash Back Debit Card Worth it?

Getting free banking entry and money again on purchases might be troublesome if you’re attempting to construct credit score or you will have a bad credit score. It can be difficult for those who’re a foreigner shifting to the United States.

Sable might be a superb banking possibility if you wish to earn as much as 2% money again on purchases and want a free method to enhance your credit score rating.

This Sable evaluate will aid you be taught extra about how this banking app works, its prime options, charges and extra.

sable logo


Sable offers a free banking account, rewards debit card and unsecured bank card. Your purchases can earn as much as 2% money again. No credit score test is critical and you may construct your credit score rating.


  • No account service charges
  • Rewards debit card
  • No credit score test


  • Cash doesn’t earn curiosity
  • No cell test deposit
  • Possible ATM proprietor charges

What is Sable?

Sable is a free on-line banking service that gives a rewards debit card and a secured bank card. 

It’s even potential to improve to an unsecured bank card when your creditworthiness improves and you’re a member for at the very least 4 months. However, the qualifying course of varies by individual.

You can open these accounts and not using a arduous credit score test, Social Security quantity or minimal deposit. The minimal age to affix is eighteen years.

This account is likely one of the greatest methods for non-U.S. residents to construct a credit score rating with the United States credit score bureaus.

Current U.S. residents who desire a rewards debit card or the chance to construct credit score with out an annual payment ought to think about Sable as nicely.

Review the Sable phrases and circumstances to be taught extra.

How Does Sable Work?

Sable home page

You can be part of Sable without spending a dime by downloading the Android or iOS app.

Then, you could present these particulars:

  • Your authorized title
  • Street tackle
  • Birthday
  • Social Security quantity (passport or U.S. visa for non-citizens)
  • Email

U.S. residents and foreigners who’re at the very least 18 years outdated can apply. Once the platform verifies your identification, you possibly can start sending and receiving funds inside the United States in addition to overseas. 

If you request a secured bank card, the financial institution reviews your month-to-month funds to the credit score bureaus (Experian, Equifax and TransUnion). 

On-time funds can enhance your rating, however late funds can have a unfavorable affect. 

Online Banking Account

Sable makes use of your data to supply a free on-line checking account with as much as $250,000 in FDIC Insurance.* 

You can fund this account by linking an present account. Alternately, you need to use direct deposit, wire switch or money deposits.

Your funds received’t earn curiosity, however you possibly can simply pay payments and canopy your debit card purchases.

In addition to your banking particulars, you possibly can request:

  • A debit card solely
  • Both a debit card and a secured bank card

You will obtain an prompt digital card to start out making purchases and incomes money rewards. Your bodily card will arrive in roughly ten days.

It’s potential to make use of your checking account and cost playing cards for these actions:

  • Earning as much as 2% money again on purchases (1% for debit playing cards)
  • Receiving direct deposits
  • Linking to digital wallets (i.e., Venmo, PayPal, Apple Pay, Zelle, and so on.)
  • Paying payments
  • Sending cash abroad

This account doesn’t supply paper checks. However, you possibly can enter the payee’s particulars in your app to mail paper checks without spending a dime. 

It’s additionally potential to rapidly pay for bills utilizing your cost card.

Build Credit History

Making on-time bank card funds can step by step enhance your credit score rating as you show which you can responsibly deal with credit score.

Your cost historical past reviews month-to-month in your credit score report in case you have a Social Security quantity (SSN).

If you’re nonetheless ready to obtain an SSN, the app reviews your cost exercise together with your title and tackle. Then, your cost historical past seems in your reviews when you’re issued an SSN.

No Credit Check

This service might be a superb checking account for a bad credit score because you received’t bear any kind of credit score test to open a deposit account or credit score account.

These forms of credit score inquiries can stay in your credit score historical past for a number of years and create a unfavorable drop. As a end result, you may have the ability to see your rating enhance sooner with Sable.

No Minimum Deposit

You received’t have to make a minimal preliminary deposit or keep a minimal steadiness to make use of your checking account or debit card.

If you request a Sable ONE Secured Credit Card, you could make a refundable safety deposit. 

Your deposit steadiness is your most spending restrict, and you may obtain a refund if you graduate to an unsecured card or shut this card.

How Much Does Sable Cost?

There are not any month-to-month or annual service charges to make use of Sable’s banking account or cost playing cards. You also can pay payments without spending a dime if you want Sable to mail a test to the recipient.

However, there are a number of miscellaneous charges you may pay:

Description Fee
Foreign Transaction Fee 2% on debit and credit score purchases
Incoming Domestic Wire Transfer $3 to $15
Outgoing Domestic Wire Transfer $5
Incoming International Wire Transfer $15
Outgoing International Money Transfer Included in switch quantity
Late Fee $0 (curiosity fees nonetheless apply on the unpaid steadiness)
ATM Withdrawals $0 from Sable (third-party charges might apply)

You may encounter third-party charges for money deposits to your debit card. Participating retailers embody CVS, Walmart, Walgreens, Dollar General and Kroger.

Key Features

These banking and money rewards advantages assist make Sable a superb banking app.

Sable Rewards Program

Sable rewards

It’s potential to earn rewards if you use your Sable credit score or debit card.

You can earn as much as 2% money again at these retailers with a Sable bank card:

  • Amazon
  • Hulu
  • Netflix
  • Spotify
  • Uber
  • UberEats
  • Whole Foods

Your remaining bank card purchases earn 1% again at different retailers. Sable Points might be redeemed as a month-to-month assertion credit score. 

Purchases on the above retailers solely earn 1% with the debit card, and your remaining spend doesn’t earn money again. You can switch your rewards to your banking account.

Your first $20,000 in qualifying purchases per yr are eligible for money rewards.

In addition to the continuing rewards program, you earn double money again on your first yr. For instance, you obtain 4% as an alternative of two% and a pair of% as an alternative of 1%. 

You’ll obtain your cashback match on the finish of your first membership yr.

Along with incomes buy rewards from Sable, you may also use money again websites to save lots of extra money on on-line purchases.

Virtual Cards

You will obtain digital debit card and bank card particulars instantly upon opening your account. 

Sable virtual credit card

In addition to immediately with the ability to use your checking account, your digital card quantity has completely different card particulars than your bodily card.

So, you need to use your digital card for on-line buying and your bodily card for in-store purchases. If certainly one of your playing cards turns into compromised, you possibly can proceed utilizing the opposite till your alternative card arrives.

You can lock or unlock your digital and bodily playing cards on-demand as an added safety function. Disabling a card prevents unintended and fraudulent purchases.

Secured Credit Card

The Sable Secured Credit Card doesn’t have an annual payment. It works at most native and on-line retailers. 

Your purchases earn as much as 2% money again, and your funds report back to the foremost credit score bureaus to extend your credit score rating.

The credit score restrict for this card might be between $10 and $10,000, and also you get to resolve how excessive to make your spending restrict. To enhance your credit score restrict, you make a refundable safety deposit.

You might want to pay your steadiness every month earlier than the due date out of your Sable Banking Account. There are not any late charges, however curiosity fees apply in your unpaid steadiness.

It’s potential to improve to an unsecured Stable ONE Credit Card that has comparable advantages. This card doesn’t require a safety deposit. When you qualify for the cardboard, Sable refunds your safety deposit.

You is likely to be eligible for an improve after 4 months relying on a number of elements, together with your spending habits and compensation historical past. Enrolling in direct deposit also can make it simpler to qualify.

Premium Benefits

When you utilize your Sable bank card or debit card for sure purchases, you is likely to be eligible for extra advantages.

Premium advantages with Sable embody:

  • Cell Phone Protection: Coverage when your mobile phone is stolen/broken
  • Car Rental Insurance: Pays for harm/theft for qualifying automobile leases
  • Satisfaction Guarantee: Refunds for gadgets returned inside 60 days of buy
  • Price Protection: Receive a partial refund for latest purchases that go on sale
  • Purchase Assurance: Reimbursement for brand spanking new purchases which are stolen/broken
  • Extended Warranty: Doubles the producer’s or retailer guarantee
  • Zero legal responsibility: You’re not chargeable for unauthorized purchases

Review the Sable phrases and circumstances to be taught extra about qualifying transactions and protection advantages.

International Money Transfers

Sable money transfers

You can ship cash to over 55 international locations utilizing the Sable app. The platform companions with Wise and calculates the trade price earlier than you ship.

There are not any extra charges to make use of this service because the app deducts the switch charges from the steadiness. 

If one other cash switch service is providing a greater price, Sable can match the worth distinction with its Cheapest International Money Transfer Guarantee. 

You’re eligible for this assure with qualifying debit card or bank card spending. You also can get the assure by receiving qualifying direct deposits.

Along with sending and receiving worldwide remittances, you possibly can switch funds to different Sable members and to accounts within the United States. This service works with cost apps like Venmo, Zelle and Cash App. 

Credit Score Updates

You can observe your credit score rating progress in real-time, identical to a credit score monitoring service. The app sends bank card cost updates to the credit score bureaus month-to-month.

It’s additionally potential to obtain a $25 credit-building bonus if you will get your credit score rating above 700 inside the first 12 months of becoming a member of. You can be taught extra about this chance if you be part of.

Customer Reviews

When figuring out if a monetary service is best for you, realizing what present prospects need to say will help.

Here’s how Sable ranks among the many numerous score platforms:

Platform Rating Number of Reviews
Trustpilot 3.3 out of 5 21
Google Play 4.7 out of 5 2,700+
Apple App Store 4.8 out of 5 2,800+

These are a number of critiques from Sable prospects:

“I moved to Austin last year from Canada. I couldn’t find any major bank or mobile bank that would help give me a credit card or a bank account even when I had a credit history in Canada. In just one year, Sable helped build my U.S. credit score to 740!” –Terry

“They rejected my application and refuse to tell me why. The application literally only asks for your name, passport and phone, so I cannot understand what could possibly be wrong. Terrible experience.” – Ivan Cheresky

“I like that I can build my credit limit over time with the extra cash I may have. It’s also great that they report limit and utilization unlike some other credit cards apps.” –Ngrossi96

“Awesome. Only wish we had access to a free ATM, other than that I’m extremely happy with Sable One!” – Sergio A.


If you’re nonetheless attempting to resolve if Sable is an effective resolution for you, listed here are some extra particulars.

Does Sable report back to the credit score bureaus?

Yes. Sable will report your secured bank card or unsecured bank card funds to Experian, Equifax and TransUnion every month.

How do you add funds to your Sable banking account?

There are a number of methods to obtain funds, together with direct deposit, linking to U.S. financial institution accounts, cost apps like Venmo or Zelle, cash switch apps or wire transfers and depositing money at collaborating shops.

Mobile test deposits ought to begin someday this yr. Until then, you could deposit bodily checks into one other checking account or cost app first.

Is Sable legit?

Yes, Sable is legit. The financial institution gives as much as $250,000 in FDIC Insurance by way of Coastal Community Bank on your banking accounts.

Your debit and bank card purchases are eligible for zero legal responsibility safety for fraudulent transactions. The banking app even permits you to lock your spending playing cards as an extra safety measure.

To stop information breaches, the app additionally helps fingerprint ID to forestall unauthorized logins. Plus, it makes use of the third-party app Plaid to connect with your exterior financial institution accounts to switch funds.

What are the Sable customer support choices?

You can name buyer help or entry an agent by stay chat from 9 a.m. to six p.m. Eastern. Email help and on-line FAQs can be found 24/7 as nicely. 


Sable gives a number of thrilling banking options that make it straightforward to entry your cash and earn money again at your favourite manufacturers. 

Being capable of construct a credit score historical past whereas avoiding frequent financial institution charges is another excuse why the platform is price contemplating.

In addition, the versatile membership necessities make Sable interesting when different banks are much less prone to settle for you.

*Banking providers supplied by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International Inc.