Last Updated: 07/28/2025
SuperMoney User Recommendation Score 0
Mostly recommended16 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
12.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
300 - 850
Annual Fee
$0
Number of Reviews
Sable ONE Secured Credit Card Review
This is a secured credit card issued by Sable Money Inc. If you're wondering whether Sable ONE Secured Credit Card is the right card for you, read on.
Key Takeaways
- Build US credit history from day 1 at major credit bureaus (get $25 when you build your credit score to a 700+ credit score within 12 months of use).
- APRs: Sable ONE Secured Credit Card has a variable regular purchase APR of 12.49%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Sable ONE
| The Good | The Bad |
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Sable ONE FAQ
Does Sable ONE have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Sable ONE?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Sable ONE Secured Credit Card has a variable purchase APR of 12.49%. Sable ONE Secured Credit Card does not offer balance transfers.
Does Sable ONE have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Sable ONE Secured Credit Card does not offer balance transfers.Does Sable ONE have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Sable ONE?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $0 . Does Sable ONE have a foreign transaction fee?
Sable ONE charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Sable ONE?
The customer service number for Sable ONE is (833) 583-8383.
What is the support contact email for Sable ONE?
The support contact email for Sable ONE is Help@SableCard.com.
How do people rate the customer service and user experience of Sable ONE?
Overall, Sable ONE is mostly recommended based on community reviews that rate customer service and user experience.
Does Sable ONE Secured Credit Card report your account activity to credit bureaus?
Yes, Sable ONE Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Sable Money Inc perform a hard credit pull?
Yes, Sable ONE performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Sable ONE
- Visit the website of Sable ONE.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Sable ONE Secured Credit Card's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Sable ONE
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
0
-1000+100
No one recommends
Everyone recommends
Sable ONE Secured Credit Card Community Reviews
Would you recommend Sable ONE Secured Credit Card to your friends?
LC
Lindsay C.
Oct 31, 2022
May or may not recommend
Don't use this bank. I just transferred $1,000 into my account on 10/27/22. However, that same day they closed my account due to "inactivity." I called them on 10/28/22 to find out where my money is and they said that they would send a wire transfer and I should receive it in 24-48 hours. Although, today I still don't have my money. I called again today and was told that ...Show More
RC
Rico C.
Sep 2, 2022
May or may not recommend
Fraud company , misleading in products and services. Sketchy practices.
Heather J.
Aug 1, 2022
May or may not recommend
No customer service or FRAUD department! Tried to call several times, after being put on hold for 30 seconds, everytime, I was forwarded to a voice mail system.
Invictus Innovations G.
Aug 1, 2022
May or may not recommend
Worst company I have ever dealt with. Restricted Account and has no way to contact.. try this, TRY AND CALL THEIR CUSTOMER SERVICE.... ITS NONEXISTENT
DH
Deb H.
Jul 29, 2022
May or may not recommend
Fraud! Stay away! They don’t answer phone calls, they open accounts in your name without permission!!
JP
James P.
May 11, 2022
May or may not recommend
ATTENTION EVERYONE!
I'M STRONGLY REQUESTING THAT YOU STAY AS FAR AWAY FROM THIS HORRIBLE COMPANY AS POSSIBLE!
THEY NEVER ANSWER THEIR PHONE, EVEN IF YOU CALL THEM AT 9:00 AM IN THE MORNING!
I OPENED MY SABLE ACCOUNT LAST MONTH. I NEVER RECEIVED MY SABLE SECURED CREDIT CARD, SO I CLOSED MY ACCOUNT A FEW DAYS AGO!
I DEMANDED THAT MY DEPOSIT BE BANK WIRE TRANSFERRED BACK TO MY CHECKING ACCOUNT!
A SABLE CUSTOMER SERVICE ...Show More
YB
Yusra B.
Apr 15, 2022
May or may not recommend
I would recommend sable because of the mission they have which is effortless, borderless banking for a more connected world. By just signing up, your credit score is already boosted, unlike many companies.
ML
M L.
Apr 14, 2022
May or may not recommend
Easily allowed a fraudulent account to be established in my name. Bunch of crooks
Kayla P.
Feb 25, 2022
May or may not recommend
Great for anyone looking to rebuild their credit since the report to ALL THREE credit bureaus. when no one else would offer me a credit card, sable did.
SR
Santiago R.
Feb 7, 2022
May or may not recommend
This card is a good option for those who are looking for quick credit and have their credit ratings rise above 650.
Also for those who have lost credit and need to get it back. In addition, you receive 2% cash rewards for using it. There are no annual fees. The terms are favorable compared to other cards. Suggestion. Go to their website and you will see the ...Show More
CR
China R.
Feb 1, 2022
May or may not recommend
They have a lot of great benefits that could help anyone! I love that there is no transaction fees or annual fees. I highly recommend.
Jas T.
Jan 30, 2022
May or may not recommend
After building my credit through my teen years, I was able to afford a card with the sable one card.x
One thing I love the most about this card was that my credit didn’t have to be at a certain limit before getting it. Sable one cards are good for beginners who’s trying to build credit...
Just keep up with paying your subscriptions and spending limit and your credit score ...Show More
RA
Raphael A.
Jan 19, 2022
May or may not recommend
The Secured Sable ONE Credit Card is a good credit card for rebuilding damaged credit because there’s no credit check when you apply, account ownership is inexpensive, and you get rewards. The card has a $0 annual fee, gives rewards of 1 - 2% cash back on purchases, and reports to the credit bureaus monthly. You can even get your deposit back, plus a bonus, for using your account responsibly ...Show More
Candice L.
Jan 10, 2022
May or may not recommend
I automatically didn't like the Sable ONE website. It was simple but confusing at the same time because there was too much distraction to actually pay attention to wanting to apply. I couldn't even figure out where to start.
LB
Leonard B.
Nov 10, 2021
May or may not recommend
The best card out there! Customers like me LOVE convenient rates! Especially due to covid-19 with a lot of people maxing out their cards. This offers small apr, wide credit window and no annual fee! Those seeking a credit shelter would certainly flock to here!
JC
Jenna C.
Sep 28, 2021
May or may not recommend
The APR runs pretty high, however I like that there are no monthly fees and a lot of opportunities to use points. Depending on your credit, I'd recommend reaching out to see what your APR would be.
Showing 16 of 16 reviews
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