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The Sable ONE Credit Card: Why This Revolutionary Card For Immigrants Is Currently Paused (2025 Update)

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The Sable ONE Secured Credit Card burst onto the financial scene as a true game-changer, specifically targeting the millions of newcomers, immigrants, and US Visa-holders who struggle to establish a credit history in the United States. As of the current date in December 2025, this card remains one of the most talked-about options for credit building, thanks to its revolutionary features like a path to an unsecured card, premium Mastercard benefits, and a lucrative cashback program—all without requiring a US credit history or an initial Social Security Number (SSN).

However, prospective applicants searching for the "Sable ONE Credit Card application" must be aware of a critical update: the company has officially paused accepting new applications for this secured product since November 2022. This pause has left many wondering about the card's future and what made it such a unique and powerful tool for financial inclusion in the first place. This comprehensive guide breaks down the card’s features, why it was so popular, and the current status for 2025.

The Unmatched Features of the Sable ONE Secured Credit Card

The Sable ONE Secured Credit Card was not just another credit-building product; it was engineered to solve the systemic problem faced by new US residents: the "chicken and the egg" dilemma of needing credit to get credit. By eliminating common barriers and offering premium perks, Sable created a powerful financial tool.

No Credit Check and No SSN Barrier

For immigrants and non-citizens, the requirement of a long US credit history or a Social Security Number (SSN) is the biggest hurdle. The Sable ONE card bypassed this by allowing applicants to start with just a passport and a US Visa, making the application process incredibly fast and accessible.

  • No US Credit History Required: Perfect for establishing a new financial footprint.
  • Passport and US Visa Application: Streamlined process for newcomers.
  • No Credit Check: Your application won't trigger a hard inquiry, protecting your initial credit profile.

Industry-Leading Cashback Rewards Program

Secured credit cards rarely offer rewards, but the Sable ONE stood out by providing a robust cashback program. This feature turned everyday spending into a financial benefit, a huge draw for users.

  • Up to 2% Cashback: Cardholders earned 2% cashback on purchases with select merchants and 1% on all other purchases.
  • Double Cash Bonus: A unique perk offered a dollar-for-dollar match on all cash back earned at the end of the first year, effectively doubling the rewards rate for the first 12 months.

The Guaranteed Path to an Unsecured Card

The ultimate goal for any secured card user is to "graduate" to an unsecured credit card, which returns the security deposit and offers a higher credit limit. Sable provided a clear, automated path for this transition.

  • Automatic Review: After four months of responsible use (on-time payments), Sable automatically reviewed the account for graduation.
  • Security Deposit Refund: Upon graduation to the unsecured Sable ONE card, the security deposit was fully refunded.

Premium Mastercard Benefits: More Than Just Credit Building

The Sable ONE Secured Credit Card was issued as a Mastercard, which provided a suite of premium protections and benefits usually reserved for high-tier, unsecured credit cards. This added significant value and topical authority to the product, making it an exceptional choice for a secured card.

These benefits offered real-world financial protection and peace of mind, especially for new US residents navigating a new financial system. The zero liability protection and identity theft services were particularly valuable entities for security-conscious users.

Essential Travel and Purchase Protections

The card included several insurance and protection features that made it a powerful travel and shopping companion:

  • Cell Phone Protection: Coverage against damage or theft for your registered cell phone when you pay your monthly bill with the card.
  • Auto Rental Collision Damage Waiver: Secondary coverage for rental cars, saving cardholders money on expensive insurance at the rental counter.
  • Extended Warranty: Automatically doubled the original manufacturer's or store brand's warranty for up to one additional year on eligible purchases.
  • Price Protection: If an item purchased with the card went on sale within a specific period, the cardholder could be reimbursed for the price difference.

Security and Financial Entities

Beyond rewards and insurance, the card offered robust security features:

  • Zero Liability Protection: Protection against unauthorized purchases.
  • Mastercard ID Theft Protection: Assistance services for identity theft resolution.

The Critical 2025 Update: Why the Application is Paused

Despite its popularity and groundbreaking features, the most important piece of information for anyone searching for the Sable ONE Secured Credit Card in 2025 is that Sable has paused accepting new applications as of November 2022. This decision, while disappointing to prospective customers, is not uncommon in the rapidly evolving Financial Technology (FinTech) space, where companies often re-evaluate or restructure their product offerings.

For existing cardholders, the card continues to function normally, and they can continue to enjoy their cashback rewards, credit building, and premium Mastercard benefits. The pause only affects new applications.

What Does the Pause Mean for Newcomers?

The application pause highlights the high demand and the unique market gap the Sable ONE card filled. For newcomers still looking to build a US credit score without an SSN, the focus must now shift to alternatives. While no single card perfectly replicates the Sable ONE's combination of no-SSN, high cashback, and premium perks, there are other secured credit card options and FinTech solutions designed for immigrants and those with thin credit files.

The key entities for credit building remain the same: securing a card that reports to all three major Credit Bureaus (Experian, Equifax, and TransUnion), maintaining low credit utilization, and making all payments on time. These actions are crucial for establishing a healthy credit history and eventually qualifying for an unsecured credit card with a high credit limit.

Sable ONE Alternatives and Next Steps for Credit Building

Since the Sable ONE Secured Credit Card is currently unavailable, newcomers and those seeking to establish credit must consider other options. The market for immigrant-focused financial products has grown, offering several worthy alternatives, though they may require an Individual Taxpayer Identification Number (ITIN) or a different application process.

Focus on Secured Cards and ITIN Options

A Secured Credit Card remains the fastest way to build credit. By providing a refundable security deposit, you establish your own credit limit and demonstrate financial responsibility. Look for cards that:

  • Report to All Three Credit Bureaus: Essential for maximizing your credit score growth.
  • Have a Low or No Annual Fee: Keeps the cost of credit building down.
  • Offer a Graduation Path: A clear process to transition to an unsecured card.

Leveraging the Sable Bank Account

A crucial prerequisite for the Sable ONE card was having a Sable Bank Account. While the credit card is paused, opening a bank account with a FinTech company like Sable can still be a valuable first step for a newcomer, offering a US-based checking account, a debit card, and a foundation for future financial products once they resume applications or launch new offerings.

In conclusion, the Sable ONE Secured Credit Card set a new standard for financial inclusion with its no-SSN requirement, 2% cashback, and premium benefits. While the application is paused in 2025, its legacy and features offer a benchmark for what a truly immigrant-friendly financial product should be, making it a pivotal entity in the credit-building landscape for newcomers. The hope remains that Sable will re-launch this revolutionary card or an even better version in the near future.

The Sable ONE Credit Card: Why This Revolutionary Card for Immigrants is Currently Paused (2025 Update)
sable one credit card
sable one credit card

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