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Review

Review of the CreditStacks Mastercard

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Brendan Harkness By Brendan Harkness May 18, 2018 | Updated Apr 03, 2020

(Rates & Fees)

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: Prime + 12.24%

CreditStacks Mastercard

Our rating
Limited Credit History Min. credit level
Apply Now See Alternatives

The CreditStacks Mastercard is a unique credit card, designed for professionals recently relocated to the U.S. It’s tough to start building credit from nothing, because credit cards and other financial products typically require an established credit history to qualify.

Without a U.S. credit history and Social Security Number (or ITIN), you won’t be able to apply for most credit cards. But the CreditStacks Mastercard is different. It doesn’t require a credit history to be approved, and has other features that make it easier to get than most cards (applicants living in the U.S. for more than a year will need to submit to a credit check, however).

You won’t need an SSN to apply for this card, although you’ll need to get one within 60 days of card activation and provide it to CreditStacks. When applying you’ll need to submit your passport and visa information, along with proof of income in the U.S., including a work address. But if you’ve been living in the U.S. for at least a year, you will need to provide an SSN while applying.

Anyone can start the initial application process to see if he or she is pre-qualified. Full applications are available for those expecting to begin a new job in the U.S. within 60 days.

The CreditStacks card has no annual fee, and comes with a credit line of up to $5,000. There’s no foreign transaction fee, and no penalty APR.

This card comes with Mastercard benefits, including some travel perks like the Priceless Cities offers and Airport Concierge services.

There are no rewards with the CreditStacks card, but that’s not the purpose of the card. Instead, if gives you an opportunity to establish a strong credit history without needing to resort to a secured credit card.

Elnor Rozenrot, CEO and a co-founder of CreditStacks, outlines the vision for his company in an interview with Israel Daily:

“Essentially, we help high-quality immigrants, professionals that relocate to the U.S., get access to a credit card on the day they land in the country, which is revolutionary, because up until now it took several months and quite a lot of pain in order to be able to get that first quality credit card.”

CreditStacks, a fairly new company based in San Francisco, California, was the judges’ winner of the 2018 PitchIt competition, at the LendIt Fintech financial services conference. Their card is issued by WebBank.

Should you be using the CreditStacks Mastercard to establish a credit history and lay down a record of positive payments? Keep reading to learn more about this card and find out.

Insider tip

If you’re an international student in the U.S. for college, you can check out the Deserve Edu Mastercard (Review). It doesn’t require an SSN, provides 1% cash back and a free year of Amazon Student, and has no annual fee.

CreditStacks Mastercard

CreditStacks Mastercard

Our rating
Min. credit levelLimited Credit History
Details
(Rates & Fees)
Annual Fee$0
Regular APRPrime + 12.24%
Apply Now

securely on the issuer's website

  • 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 CreditStacks 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.

Our Rating: 4 Out of 5 Stars

We give the CreditStacks Mastercard 4 out of 5 Stars, because it reduces some of the traditional barriers for people who have just moved to the U.S and are new to credit. It doesn’t have stellar rewards and benefits, but it’s a simple, potentially free way to establish a credit history.

Why We Like It

  • No credit history, credit scores, SSN, or ITIN needed to apply (but SSN must be provided within 60 days of card activation, and applicants living in the U.S. for at least a year must provide an SSN and undergo a credit check when applying)
  • The application process can be started up to 60 days before your planned start date at your new job
  • A credit limit of up to $5,000 for all approved applicants
  • No annual fee
  • No foreign transaction fees
  • Mastercard benefits, along with some shopping and travel protections

Why It Could Be Better

  • No rewards to earn when spending

Insider Advice: Getting the Most Out of Your Card

  • Apply for the CreditStacks card if you’re an employed professional who will be starting a new job in the U.S. within 60 days. If your move date is more than 60 days away you can check to see if you’re pre-qualified.
  • Use this card responsibly to start building a credit history in the U.S. since CreditStacks reports to Equifax.
  • An SSN isn’t needed to apply, but applicants will eventually need to get one and report it to CreditStacks.
  • Try to use the Mastercard benefits when traveling, like the Travel & Lifestyle services and Priceless Cities offers.
  • After establishing a solid credit history of positive payments you’ll be able to qualify for more valuable reward credit cards, with higher credit limits and better perks. But don’t cancel this card, because it will continue to help your credit scores and there’s no annual fee to pay.
Insider tip

If you’re new to the U.S. and looking for more ways to build credit, take a look at credit builder loans in addition to credit cards. They’re a type of installment loan that require you to pay the loan back before you can access it, which lets you establish a credit history.

The Rewards

There are no rewards for using the CreditStacks card, like points or cash back. Instead, use it to help establish a credit history of on-time payments. Eventually, as your credit improves, you’ll be able to qualify for cards with reward programs and more valuable benefits.

The Benefits

The CreditStacks Mastercard comes with some basic shopping and travel protections. These are common to most cards, even those designed for poor or no credit. The Citi Secured Mastercard comes with very similar protections.

More than that, however, the CreditStacks card also comes with a few travel perks that are rarely found on cards like these. They can make the card more worthwhile, although you’ll need to explore them a bit to learn how to use them. We’ve listed those valuable benefits first.

Mastercard Travel & Lifestyle Services

You’ll have access to a wide variety of convenient and money-saving offerings through Mastercard’s travel services. These perks can include:

  • 24/7 access to a travel advisor
  • Discounts and upgrades at airlines and hotels
  • Elite status at participating car rentals
  • At over 2,000 participating resorts:
    • Complimentary breakfast for two
    • Room upgrades
    • Amenities like food and beverages

You can learn more and see your travel options at the Mastercard Travel and Lifestyle Services website.

Priceless Cities Offers & Experiences

Cardholders can find exclusive events and experiences in over 82 countries around the world through the Priceless Cities service. There are many different types of experiences to choose from, ranging from the fairly inexpensive ($28) to the extravagant ($12,000).

If you’re looking for something to do and have at least a few bucks to spare, you might want to check out some of these offers. For the most part they’re only available in large cities or travel destinations, however, like NYC, London, Dubai, Bali, and Hong Kong.

The different types of offers and experiences come in three general categories:

Interests
Entertainment Arts and Culture Sports
Culinary Travel Shopping
Activities
Explore history Go behind the scenes Go on an adventure Take a lesson Tour the city
Occasions
Family time Outing with friends Weekend getaways

Here are a few examples from each category.

Interests

  • $28 — A Broadway Making Music workshop with cast members of the hit show Waitress, where you’ll learn vocal dynamics and acting, and get a chance to perform a piece with a cast member.
  • CZK 2,030 (about $93) — Create your own essential oil mixture in an exclusive workshop at Alchymystique in Prague.
  • $500 — You and three friends can join DJ Swivel for a tour of the Crosby Recording Studios, where Beyoncé, Kanye, and other stars made their music. Listen to him mix and even have a chance to make your own tracks.

Activities

  • €15 (about $18) — Take a guided tour of the Piazza Navona and the Ponte and Parione districts in Rome.
  • 30% Discount — Save money at the QC Terme Roma Spas and Resorts in Rome, with exclusive access to Jacuzzis, fitness areas, and wellness gardens.
  • AED 8,075 for two people (about $2,198) — A luxury tour of Dubai, starting in a Mercedes G63, moving to a seaplane, then a water taxi, then a monorail, then a cruise on a private yacht.

Occasions

  • $50 — An after-hours VIP tour of the Hayden Planetarium at the Natural History Museum, led by Jackie Faherty, senior scientist and senior education manager in the Department of Astrophysics.
  • For bookings over $2,000 — At the Ministry of Villas in Bali, get airport transfer, welcome drinks and fruit basket, daily breakfast, and horseback riding on a quiet beach.
  • AED 3,182 (about $866) — Fly falcons in the desert and learn from the Royal Shaheen Falconers, while drinking Arabic coffee and eating dates at a falconry hunting camp at the Dubai Desert Conservation Reserve.

Many of these experiences seem pretty interesting, especially if you’re planning an itinerary that includes several major cities. Who wouldn’t want to tell a story about relaxing at the spa in Rome after learning to fly falcons in the Dubai desert?

Mastercard Airport Concierge

A 15% discount is available for Mastercard Airport Concierge services, providing speedy escorts through airports.

There is a wide variety of services to choose from, whether you’re arriving, departing, or making a connecting flight. Some airports may offer more services than others.

The concierge procedure includes:

  • Being welcomed by a Meet & Greet representative when you arrive at the airport
  • An escort for expedited check-in and security screening, where available
  • Assistance with visas or other documentation
  • Assistance with inter-terminal transportation and other needs
  • An escort to the curb or the aircraft gate, depending on where you’re going

Additional services can be included for a fee, depending on availability at the airport. The possible extras are:

Luggage Assistance/Baggage Porters Premium Baggage Collection/Delivery Executive Car Transfers/Limousine Service VIP Wheelchairs/PRM Service Option Un-accompanied Minors Service Seating Assistance
Valet Car Parking Service Tarmac Transfers Electric Buggy Car Park Jockey Airport Courier Cloak Room Service
Train Bookings Lounge Bookings Meeting & Conference Room Bookings Personal Shopper Gift Services on Arrival

You can book a Meet & Greet concierge once you know your flight details. Expect to pay at least a couple hundred dollars in most cases, depending on the number of passengers and level of service you order.

Price Protection

If you make a purchase with your card and find that same item being advertised for a lesser price, you may be eligible for reimbursement for the price difference.

  • You must purchase the item entirely with your card
  • You must see either a printed advertisement or non-auction internet advertisement for the same product
  • The advertisement must verify the same manufacturer and model number
  • Coverage is available for 60 days after the date of purchase
  • Keep all documentation related to the purchase
  • Call 1-800-Mastercard or go to MyCardBenefits to initiate a Price Protection claim, or to check the status of a claim

There are also many types of purchases that won’t be covered. This is to help prevent fraud and abuse, and for practical reasons, but it’s unfortunate that many expensive purchases aren’t eligible.

Purchases Not Covered By Price Protection (Partial List)

  • Items purchased for professional, commercial, resale, or rental use
  • Jewelry, art, antiques, or collectibles
  • Used items
  • Customized, personalized, or one-of-a-kind items
  • Items purchased from auctions
  • Plants, shrubs, animals, pets (no shrubbery insurance, even for knights)
  • Land and buildings
  • Motorized vehicles

Many everyday items and gifts will be eligible for Price Protection, even though there are quite a few restrictions as well. There are also some expensive purchases for which it could come in pretty useful, like electronics and furniture.

Price Protection is a benefit that many credit cards offer today.

Other Shopping Protections

  • 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.

Travel Protections

  • 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 4 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.

Security Features

  • Zero Liability Protection: You won’t be held responsible for unauthorized purchases. Contact customer support immediately if you suspect fraud.
  • Mastercard ID Theft Protection: Help contacting the authorities and restoring your identity if you become a victim of identity theft.
  • Mastercard Identity Theft Alerts: Get notified if Mastercard detects that your personal information is being bought or sold online.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
Prime + 12.24% None Prime + 21.74%
Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
$0 None None 5%, $10 minimum
Penalty APR Late Fee Returned Payment Fee
None Up to $27 Up to $27

The CreditStacks card has simple terms and fees. There’s a pretty low purchase APR, although we recommend always paying your balance in full each billing period. This will do several things for you at once:

  • You can completely avoid interest charges on purchases
  • It will be good for your credit utilization, which helps increase your credit scores
  • As long as you’re on time, it will generate a positive record of payments for your credit history
  • Your credit limit will be freed up and ready to use again

Balance transfers are not available with this card. If you have limited or no credit history, you probably won’t be approved for a card with a good intro balance transfer offer.

There’s no annual fee to use the CreditStacks Mastercard, and no foreign transaction fee for using it outside the U.S.. This makes sense for a card designed for people moving from another country. Some other cards will charge a fee of up to 3% for those purchases.

What is the Credit Limit of the CreditStacks Mastercard?

The CreditStacks Mastercard will come with a credit limit of up to $5,000 for all approved applicants.

This is a pretty high possible credit line for a card designed for people with limited or no credit history.

Insider tip

You can check the terms and fees of the CreditStacks Mastercard on their website.

The Bottom Line

The CreditStacks Mastercard is designed for professionals who have just moved or will be moving to the U.S. It’s hard to break into the world of credit when you’re starting with nothing but your good name and money in the bank, but you have an option with CreditStacks.

In most cases you’d need to start with a secured card, but this card offers an unsecured line of credit up to $5,000. There are some decent travel benefits too, which could make a tour of the U.S. more interesting.

There aren’t any spending rewards to earn, but you can use this card to improve your credit completely for free because there’s no annual fee. As long as you avoid interest charges and other fees, the CreditStacks card can help you establish a credit history at no cost whatsoever.

If you don’t have a Social Security Number, or at least an ITIN with a U.S. address, it will be very hard to find another U.S. credit card you’ll qualify for. It might be impossible. But if you do have an SSN there is a world of options available to you. Check out some alternatives to the CreditStacks Mastercard below.

How to Apply for the CreditStacks Mastercard

You can click the Apply Now button below to go to the CreditStacks website to apply for this card.

When you apply, you’ll authorize CreditStacks to check your credit reports if necessary, so you may see a hard inquiry.

Qualifications and Requirements

  • Must be 18 to apply
  • Total annual income
  • Employer name, job title, past employment history
  • Education history
  • Passport and/or visa information
  • Must be a resident of the U.S., or moving to the U.S. within 60 days
  • No SSN needed to apply, but must provide one within 60 days of card activation (applicants living in the U.S. for at least a year must provide an SSN when applying)
  • No credit history needed to be approved (applicants living in the U.S. for at least a year must undergo a credit check when applying)
CreditStacks Mastercard

CreditStacks Mastercard

Our rating
Min. credit levelLimited Credit History
Details
(Rates & Fees)
Annual Fee$0
Regular APRPrime + 12.24%
Apply Now

securely on the issuer's website

  • 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 CreditStacks 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.

Alternatives to the CreditStacks Mastercard

Once you get an SSN, or at least an ITIN (Individual Taxpayer Identification Number), you’ll be able to apply for a wide variety of credit cards. But without an established credit history your chances of approval will be very low except for secured credit cards and a few others.

Here are a couple of the best secured cards available.

  • Discover it® Secured (Review): Requires an SSN to apply, security deposit of $200 to $2,500, no annual fee, 2% cash back at gas stations and restaurants (on up to $1,000 in spending per quarter)
  • Citi® Secured Mastercard® (Review): Can apply with ITIN, security deposit of $200 to $2,500, no annual fee
Discover it® Secured

Discover it® Secured

Our rating
Min. credit levelBad
Details
Annual Fee$0
Regular APRSee Terms

The information related to Discover it® Secured has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Discover it® Secured (Review) is the best secured card available, in our opinion. Secured cards require a security deposit and are made to help build your credit, so they don’t always come with very favorable terms. But the Discover it Secured, at no annual fee, is different.

This card will require a security deposit of $200 to $2,500 to fund the credit limit. Your credit limit will be equal to the deposit. Discover will review your account and your credit every 8 months, and they may decide to refund your security deposit and let you continue to use the card.

Rewards

Spending Rewards
  • 2% cash back on the first $1,000 spent per quarter at:
    • Restaurants
    • Gas stations
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Get double the cash back in your first year

So you can actually earn some rewards with the Discover it Secured, unlike almost every other secured card out there. This is actually a decent rewards program, even compared to unsecured rewards cards.

The Cashback Match means you’ll get 4% cash back in those categories for the first year, and 2% back for every other purchase. That’s not a bad offer at all.

Benefits

Discover cards all come with the same benefits:

  • Social Security Number Alerts: Get notifications if Discover finds your SSN on any one of thousands of risky websites.
  • Freeze it: Quickly freeze and unfreeze your card account, through Discover’s website or mobile app.
  • Cash at Checkout: Get cash at checkout at participating merchants, by charging an extra amount over your purchase (like a debit card).
  • FICO Credit Scorecard: Monitor your FICO 8 Credit Score, based on your TransUnion credit report, along with key factors influencing your credit scores.

You’ll get more valuable perks with the CreditStacks card, as mentioned above.

Discover’s Credit Scorecard is a particularly useful feature, however, especially if you’re in the process of establishing a credit history and aiming for high scores. This tool lets you track your progress over time, and you’ll get information about credit and specific tips for improving your scores. Discover’s Credit Scorecard is available to anyone, cardholder or not. So if you’re new to the U.S. this would be a valuable service to sign up for.

Terms & Fees

The Discover it Secured has no annual fee, and no foreign transaction fee. Your maximum credit limit is $2,500, half that of the CreditStacks. But you’ll need to put down a matching security deposit to fund the limit of the Discover card.

The Discover it Secured also has a balance transfer offer, of See Terms for See Terms (then See Terms). This is a rare find on secured cards. Although you’ll still end up paying interest if you use this offer, it could potentially be a good deal if you’re paying a balance at a higher interest rate on a different card. But in other cases it wouldn’t be a wise idea.

To use this offer, you’d first need to put down a deposit to fund the credit limit. Then you could transfer a balance over and start paying it off, accruing interest as you go. But instead of opening this card and paying the security deposit, you could just put that money towards your outstanding debt.

However, it may be a good strategy to use the balance transfer offer if you want this card for other purposes as well. If you can earn rewards and build a positive payment history, as you use some of your credit limit to pay down a balance at a lower interest rate, that may be the right option to take.

Insider tip

There are other balance transfer cards with better intro offers, providing 0% APR for over a year. But these are unsecured cards, and will generally require at least average or fair credit.

Read more in our Review of the Discover it Secured Card 

 

Citi® Secured Mastercard®

Citi® Secured Mastercard®

Our rating
Min. credit levelLimited Credit History
Details
Annual Fee$0
Regular APR22.49% (Variable)
Apply Now

securely on the issuer's website

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

The Citi® Secured Mastercard® (Review) is a very simple secured card, with no annual fee. If you don’t have an SSN, you can apply using your ITIN if you call Citi customer support.

This card requires a security deposit of $200 to $2,500 when you’re approved. Your credit limit will be equal to the deposit.

Benefits

The Citi Secured card will likely come at the Platinum Mastercard level, with some basic shopping and travel protections. It won’t have the more valuable travel perks of the CreditStacks card.

The benefits of the Citi card will probably include:

  • Purchase Protection: If an eligible item you buy is lost, stolen, or broken, you can file a claim for reimbursement.
  • Citi Identity Theft Solutions: If you become a victim of identity theft, Citi will help you learn what happened and take the appropriate steps to deal with it.

Terms & Fees

The Citi Secured Mastercard has no annual fee, but it does have a foreign transaction fee of 3%, unlike the CreditStacks card.

If you have an SSN or ITIN and a U.S. address, you can use the Citi card to establish a credit history and build up a positive payment history, all for free. Just pay your balance in full each billing period to prevent interest from accruing. Always pay on time, and eventually, all other things being equal, you’ll be able to qualify for a reward credit card.

Read more in our Review of the Citi Secured Mastercard

CreditStacks Mastercard

CreditStacks Mastercard

Our rating
Min. credit levelLimited Credit History
Details
(Rates & Fees)
Annual Fee$0
Regular APRPrime + 12.24%
Apply Now

securely on the issuer's website

  • 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 CreditStacks 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.

Are you using the CreditStacks Mastercard to build your credit in the U.S. after relocating from another country? Leave your own review and let us know how you like it!

The CreditStacks 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.

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The information related to Discover it® Secured 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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