The first card in your wallet

Meet CreditStacks. The premium US-based Mastercard designed 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.
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No credit history required if you don't have one

High credit limits

Low interest rates, no annual fees³

Not just a credit card. A credit-building partner. Learn more.

Let CreditStacks help build your futurel

You don’t have to be relocating to want a CreditStacks Mastercard. But if you are, the ability to apply and be approved up to 60 days before you start your new job in the US means your CreditStacks card will be waiting for you upon arrival.

Just starting your professional journey in the US? Gone are the days where professionals are ineligible for a credit card simply 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 fees³

Transparency is the cornerstone of CreditStacks. That's why all our cardholders will always enjoy low interest rates, no annual fees³, zero international transaction fees, high credit limits, and customer support easily available via app.

Not just a credit card. A credit-building partner.

More than just a credit card, CreditStacks helps you build credit from scratch. Innovative auto payment options, credit tips via app and email, and prompt reporting of your credit activity to the three main credit bureaus are just some ways we make credit building efficient and hassle-free. Learn more.

Apply without an SSN², even before starting your new job in the US

Recent transferee 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 US 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.² Learn more.

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 the CreditStacks Mastercard compares to classic "thin credit" credit card, left, and a classic "prime credit" credit card, center

QuickSilverOne Credit Card


$39

Annual fee

26.99%

Annual Interest Rate (APR).
This APR will vary with the market based on the Prime Rate

Up to $39

Late payment fee

Low

Credit limit

Not available

Without SSN

Not available

Without U.S. credit history

Can't apply

Before starting your new job in the U.S.

As of October 31, 2019

Sapphire Reserve


$450

Annual fee

18.74%–25.74%, based on your creditworthiness

Annual Interest Rate (APR).
This APR will vary with the market based on the Prime Rate

Up to $39

Late payment fee

High

Credit limit

Not available

Without SSN

Not available

Without U.S. credit history

Can't apply

Before starting your new job in the U.S.

As of October 31, 2019

MasterCard Credit Card


16.99%*

Annual Interest Rate (APR).
This APR will vary with the market based on the Prime Rate

Up to $27

Late payment fee

$5,000

Credit limit

Available

Can apply and be approved

Before starting your new job in the U.S.

As of October 31, 2019

* The APR 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 credit history required if you don't have one

02 High credit limits

03 Low interest rates, no annual fees³

04 Not just a credit card. A credit-building partner. Learn more.