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




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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 4 reviews
by Petr Kubanek
Wish I knew about the card earlier

It's an excellent credit card and would safe me a lot of troubles if I get it right when we moved. I agree they are limited on staff, but so far I contacted they support via email on multiple occasions and always received fast and professional reply. This contradicts the bad reviews posted there.

by Ben

I was the victim of credit card fraud with my Credit Stacks CC twice.This has never happened with any other card.My card was charged $5000 (maxed), Credit Stacks recognized this as fraudulent activity, cancelled my card, didn't notify me and then automatically debited $5000 from my account a month later.It's now up to me to dispute with their overseas call center and I'm out $5,000 in the process.Use a legitimate bank!

by Jack Mason

Because they are a start up they have virtually no staff to call and their disputes handling is horrendous. To cut costs, They palm you off to a call centre in Thailand and only give you a fax number to contact them, which you need to send 3 times for them to receive it. DO NOT BOTHER. Go with a bank that has actual customer service.

by Naomi Lutz
Great credit card for immigrants!

I moved to the US from Germany for college and decided to stay. While I was here it was very difficult to find a credit card that I could be approved for. I heard about Creditstacks from a friend and gave it a try. They approved me for $5000 in two days! I am very happy with this company and have had no issues so far! Great product and so happy I have a high credit limit! :)

The Insider

Sean Messier
2019 List of “Major” Credit Card Companies and How to Get Their Cards
Sean Messier | Jul 15, 2019

Learn about what types of credit cards are considered "major" credit cards, and the difference between credit card issuers and credit card networks.

Read More
Brendan Harkness
Best High Limit Credit Cards: Spend More, Earn More, Do More
Brendan Harkness | Jul 10, 2019

Your credit limits depend on your credit scores and your income, but some cards are known for giving higher limits. See all the best high limit cards here.

Read More
Brendan Harkness
The Best Military Credit Cards: Low APRs, Waived Annual Fees, and More
Brendan Harkness | Jul 08, 2019

Members of the military have access to special credit card terms. Under the SCRA, interest rates are capped, and some issuers also waive annual fees.

Read More