CreditStacks Mastercard

The CreditStacks Mastercard is designed for professionals who have moved to the U.S., or are planning to. Establishing a credit history from scratch is tough, because most financial products, like credit cards, usually require you to already have some credit. You also usually need a Social Security Number or ITIN.

So how can you get approved if you don’t have any credit to begin with?

The CreditStacks card solves that problem because it doesn’t require a traditional credit history or SSN to apply. Instead, anyone can apply, from any country, as long as you’re planning to relocate to the U.S. in the next 60 days after applying.

There’s no annual fee, but there aren’t any spending rewards either. Instead, you can use this card to improve your credit by building up a positive history of on-time payments.

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Quick View

  • Rewards


  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR N/A
  • Cash Advance APR 26.49% Variable
  • Penalty APR N/A
  • Late Fee Up to $27
  • Returned Payment Fee Up to $27

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Priceless Cities Offers & Experiences

    Invitations to exclusive events in over 82 countries around the world.

  • Mastercard Airport Concierge

    A 15% discount on eligible airport meet and greets, providing speedy escorts through airports.

  • Mastercard Travel & Lifestyle Services

    Find special offers and savings through Mastercard Travel Services.

Shopping Protections

  • Price Protection

    If you buy an item and find it being advertised for a lesser price, you may be reimbursed for the difference.

  • Purchase Assurance

    Your eligible purchases are covered for 60 days against damage, loss, and theft.

  • Satisfaction Guarantee

    If you’re unsatisfied with a purchase within 60 days and the merchant refuses to take it back, you may be eligible for reimbursement.

  • Extended Warranty

    Eligible manufacturer’s warranties of one year or less can be doubled by up to one additional year.

  • Cellular Wireless Telephone Protection

    Pay your cell phone bill with the CreditStacks card to get coverage against damage and theft.

Travel Protections

  • MasterRental Collision Damage Waiver

    Eligible rented vehicles are covered against damage and theft, as long as you decline the rental company’s own insurance.

  • Travel Accident Insurance

    Cardholders, their spouses, and dependent children are covered against accidental death and dismemberment when traveling by common carrier.

  • Baggage Delay Insurance

    Emergency purchases of essential items are covered if your bags are delayed by 4 hours or more while traveling.

  • Lost or Damaged Luggage Insurance

    Provides reimbursement for lost checked or carry-on luggage, and personal property contained therein.

  • Trip Cancellation/Trip Interruption

    If a trip is cancelled or interrupted for an eligible reason, you can be reimbursed for certain costs.


  • Zero Liability Protection

    You won’t be held responsible for unauthorized purchases.

  • Mastercard ID Theft Protection

    Helps restore your identity in the event of identity theft.

  • Mastercard Identity Theft Alerts

    Get notified if Mastercard detects that your personal information is being bought or sold online.

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