The First Card in Your Wallet

Meet CreditStacks. The premium US-based Mastercard designed exclusively for relocating professionals.

We know you are more than just your credit score. That’s why we decided to do things differently. Introducing the CreditStacks Mastercard – credit based on your potential, not your history.

No previous credit history. High credit limits

Low interest rates, no annual fees

Not Just a Credit Card. It’s a Credit Building Experience

Apply without an SSN

Let CreditStacks greet you upon arrival

With the ability to apply and be approved up to 60 days before you actual relocation, your CreditStacks card will be waiting for you upon arrival.

No credit history needed

Gone are the days professionals relocating to the U.S. are ineligible for a credit card due to lack of credit history. Say goodbye to secured credit cards and debit cards. You deserve a credit card that works just as hard as you do.

Low interest rates.


No annual fees


Transparency is the cornerstone of CreditStacks. That's why all our cardholders will always enjoy low interest rates, no annual fees, zero international transaction fees, high credit limits, and round-the-clock customer support.

Not Just a Credit Card.


It’s a Credit Building Experience


More than just a run-of-the-mill credit card, CreditStacks enables you to begin building credit from scratch while relieving the burden of being newly arrived without a U.S credit card.

Apply without an SSN, even before moving to the US

At CreditStacks, we understand that not all relocatees will be equipped with an SSN upon arrival. Because we want to make the transition to the States as smooth as possible for all relocating professionals, we provide you with the ability to apply and be accepted as a cardholder, even before you are provided with an SSN.

We’re all about the Swiping

Keep track of all your credit-related needs with the CreditStacks app. Our mobile-first credit solution includes innovative payment schedules, real-time notifications, and the ability to report your card lost or stolen in a single click. Unique layouts and settings help you view and keep track of your payment and transaction history with ease. It’s credit like you’ve never swiped before.

How it Works

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QuickSilverOne Credit Card


$39

Annual fee

Up to 26.97%

Annual Interest Rate (APR)

Up to $38

Late payment fee

Low

Credit limit

Not available

Without SSN

Not available

Without a credit score

Can't apply

Before moving to the U.S.

As of September 2018

Sapphire Reserve


$450

Annual fee

Up to 24.74%

Annual Interest Rate (APR)

Up to $38

Late payment fee

High

Credit limit

Not available

Without SSN

Not available

Without a credit score

Can't apply

Before moving to the U.S.

As of September 2018

MasterCard Credit Card


$0

Annual fee

17.24%

Annual Interest Rate (APR)*

Up to $27

Late payment fee

$5,000

Credit limit

Available

Without SSN

Available

Without a credit score

Can apply and be approved

Before moving to the U.S.

* Variable APRs Based on the Prime Rate. The Monthly Periodic Rate for Purchases and Cash Advances is a variable rate that may change monthly.

Our Awards

We are honored to receive the following awards and achievements

CreditStacks in the news

"After relocating to Texas in 2017 to work for PayPal, I opened my first American bank account. Even though I deposited a substantial amount of money into the account, they still refused to give me a credit card. After frustrating negotiations, the bank finally agreed to give me a secured credit card – with just a $300 credit limit! I remember those first few months of relocation when I needed a credit card the most. I even had to buy my car in cash. You’re at a major disadvantage as someone new to the States who has no previous credit history. I’m happy CreditStacks is tackling this problem.”

Amit Batzir
Risk Analytics Manager, PayPal

The CreditStacks Advantage

01.No previous credit history. High credit limits

02.Low interest rates, no annual fees

03.Not Just a Credit Card. It’s a Credit Building Experience

04.Apply without an SSN