CreditStacks is a prime Mastercard tailor-made for individuals just like you – high-earning, quality employees, with no local U.S. credit history. Because most financial products and offerings including eligibility for a credit card, loan, or mortgage require an established credit history to qualify, CreditStacks relieves the burden of being newly arrived without a credit score. With a high credit limit ($5,000) and the best-in-class terms, CreditStacks allows you to begin building great credit as soon as you arrive. It's a new age in relocation.
Yes. You can apply without an SSN and without any local credit history. You will need to provide your passport, visa information and proof of U.S. employment. Once you obtain your SSN, you will be required to provide it for credit bureau reporting purposes.
By using CreditStacks' substantially higher credit limit ($5,000) and making all payments by your due date, you can rapidly start building your credit score. We currenly report users credit utilization to Equifax so that other credit suppliers (banks, lenders, etc.) can quickly learn you are a strong and credible customer. CreditStacks will also provide you with guidelines, recommendations, and best practices to help you build credit with ease.
We are not your typical credit card company. At CreditStacks we do things differently. We know you are more than just your credit score, which is why we use alternative methods of credit assessment. As such, we do not currently run any hard inquiries with the credit bureaus for applicants who are new to the country. We know that as a newcomer, you lack the credit history required by most banks for a credit card, which is why we use our proprietary underwriting procedures to look at you as the person you are (current employment, etc), not just as a credit score. However, if you are a long-time resident of the United States, please be advised that we may indeed run an inquiry with the credit bureaus.
Yes! One of CreditStacks most exciting features is the ability to be accepted as our cardholder, even before your actual relocation. If accepted, your CreditStacks credit card will be waiting for you upon your arrival to the States. Applications are open to those with an expected relocation date of up to 60 days before your move. If your relocation date does not fall within this period, don't worry, we'll send you an invitation to apply 60 days prior to your move.
Yes. If you do not yet have your U.S. visa stamped in your passport during your application process, you can still apply by simply uploading your completed I-797 form.
If you are a Green Card holder or U.S. citizen, you may also be eligible to become a CreditStacks cardholder if you meet our underwriting criteria.
We don’t believe prime customers should be charged high fees for using their credit card, which is why our card carries no annual fees. As long as you pay your balance on time, you won't run into any interest or surprise fees either.
Yes. Even though you already have a U.S. bank account, your bank still may not be able to offer you a prime-grade credit card because you lack local credit history. Instead, they may offer you a debit card (which doesn't help build your credit) or secured credit card with a low credit limit. CreditStacks offers an independent credit card account with the ability to pay your balance using your existing bank account.
Yes. The CreditStacks credit card is completely compatible with Google Pay or Apple Pay. Simply add your CreditStacks card to your digital wallet and enjoy effortless payment and total peace of mind knowing your credit card number is never transferred – no additional app needed to download.
We apologize for any inconvenience, but for security reasons, we prefer to ship your card to a verified work address. If extenuating circumstances arise and you cannot receive your card to your provided work address, you will be asked to provide proof of your U.S. residence in the form of a utility bill or government-issued document.
Yes. There are no foreign transaction fees and the CreditStacks card is accepted everywhere Mastercard is. Feel free to get swiping across the globe!
We are working towards launching a "spousal card" extension to our program which will allow our customers to add an authorized user to their account. The user will be authorized under the same credit limit, so their individual credit habits can also be reported to the bureaus. Unfortunately, we still cannot provide an ETA for when this extension will be launched. If your spouse or significant other is interested in becoming a CreditStacks holder, we invite them to complete our online application.
We know how important your privacy and security are. We protect all our users' information with the utmost security measures. Rest assured that all documents uploaded are encrypted, and all data is safely stored.
If you’re already in the U.S. or moving in the upcoming 10 days, your card will be shipped in 1-2 business days post-approval. Once your card is shipped, you will receive an email containing its UPS tracking number. If your expected move date is more than 10 days away, you will be notified 10 days prior to your expected move date prompting you to confirm your shipping address. Please note that cards can only be shipped to a valid U.S. address and can only be activated from within the United States.
Through our partnership with Mastercard, you get Identity Theft Resolution Services that help you detect and stamp out identity fraud while eliminating out-of-pocket expenses. With the Mastercard Identity Theft Alerts®, a no- fee service offered by CreditStacks Mastercard, you are immediately alerted if your personal information is flagged as being at risk.