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Jasper Cash Back Mastercard®

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The Jasper Mastercard is designed for professionals who have relocated to the U.S., or will do so within 60 days. You don’t need a credit history or SSN to apply, but you’ll need to provide an SSN later on. This card was formerly known as the CreditStacks Mastercard. Issued by WebBank, Member FDIC.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 15.49%–24.99% Variable (based on creditworthiness)

Jasper Cash Back Mastercard®

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • Up to 6% cash back on every eligible purchase (See terms: ):
    • 1% cash back normally (new referrals start at 2% for 12 months)
    • 1% extra cash back for 12 months per approved referral

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $27
Returned Payment Fee Up to $27
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99%–29.99% Variable (based on creditworthines)
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Jasper Cash Back Mastercard®


  • Up to 6% cash back by referring friends!
  • Start with 1% and get an extra 1% for a full year for every friend you bring on board.
  • Cash back not limited to certain categories, earn on almost all everyday purchases.
  • No annual fee, no security deposit, no foreign transaction fees.
  • Simple, intuitive app to manage your account.
  • Unique auto payment options that help you build and maintain your credit score.
  • Receive cash back automatically every month as a statement credit after three on time payments.
  • Earn cash back as long as your account is in good standing.
  • Your cash back maximum varies based on your credit limit.
  • Issued by WebBank, Member FDIC.


Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The Jasper Cash Back Mastercard may be particularly useful for professionals who have recently moved to the U.S. 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 Jasper card solves that problem because it doesn’t always 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. However, a SSN will need to be provided within 60 days of card activation; and applicants who have been living in the U.S. for a year or more will need to provide an SSN when applying.

There’s no annual fee, and you can use this card to improve your credit by building up a positive history of on-time payments. It reports to all three credit bureaus: Equifax, Experian, and TransUnion.

You can view the cardholder agreement for this card here: .

Insider tip

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.

The information related to Jasper Cash Back Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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