CreditStacks Mastercard


For People with
No Credit

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.

Looking for an alternative way to build credit for immigrants to the U.S. who don’t have a SSN? Check out personal loans from Stilt.
Card Quick Facts

Card Quick Facts

  • Made for professionals relocating to the U.S., without a traditional credit history.
  • No credit scores, SSN, or U.S. address required to apply.
  • Mastercard Priceless Cities and Airport Concierge perks.
  • Online travel booking service.
  • Shopping and travel protections, including cell phone protection.
  • Credit limit up to $5,000.
  • No annual fee.
  • Use this card responsibly to improve your credit over time.

For People with
No Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

None

How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.99% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit $5,000
Free Credit Score No
Penalty APR N/A
Late Fee Up to $27
Returned Payment Fee Up to $27
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR 26.49% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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