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Jasper 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.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 15.49% Variable

Jasper Mastercard®

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

(Rates & Fees)



Apply by 9/30/20 to receive a $50 Amazon gift card upon activation; use promo code: CreditInsider

Balance Transfers

A balance transfer is a way to move credit card debt from one credit 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 credit 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% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Jasper Mastercard®


(Rates & Fees)
  • May be helpful for professionals who recently started a new job in the U.S., without a traditional credit history
  • No credit scores or SSN required to apply (SSN required within 60 days of card activation, or at time of application for those living in the U.S. for at least a year)
  • 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 (Rates & Fees)
  • Use this card responsibly to improve your credit over time
  • The Jasper Mastercard® is issued by WebBank pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. WebBank, Member FDIC © 2019.
  • Special Promotion: Apply by September 30, 2020, to receive a $50 Amazon gift card upon activation. Use promo code: CreditInsider
    *terms apply


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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.

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.