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 an 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



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Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR Prime + 12.24%
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit $5,000
Free Credit Score No
Penalty APR None
Late Fee Up to $27
Returned Payment Fee Up to $27
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR Prime + 21.74%
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.

  • 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.

  • 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.

  • 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.

  • 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 four 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.

Visitor Reviews

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

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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! :)

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