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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.
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The Jasper 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, 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. This card reports to both TransUnion and Equifax.
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.