CreditStacks Card review | finder.com

CreditStacks Credit Card Mastercard® review – January 2019

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CreditStacks Credit Card Mastercard® Learn more Apply now

Don't worry, clicking "Apply now" won't leave a mark on your credit report. It may only appear on your report after you submit an application.

What happens when I click Apply now?
  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

The card for professionals relocating to the US.

30-second take

  • Get this card if you’re moving to the US and you don’t have a credit history.
  • Pick something else if you want a secured card.
  • Apply with no credit history and without a Social Security number.
Product NameCreditStacks Credit Card Mastercard®
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases17.74% variable
Introductory Purchase APR

N/A

Introductory Balance Transfer APR

N/A

Cash Advance Rate21.74% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment Fee$27
Returned Payment Fee$27
Additional Cardholder Fee$0
Minimum Age18 years of age
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Our review

The CreditStacks Credit Card Mastercard® is aimed at professionals relocating to the US. If that describes you, then you might know how frustrating it is to get a card without a US credit history. Even if you have steady, well-paying work, few banks are willing to take a chance on you for an unsecured credit card.

CreditStacks is different because it looks at more than just your credit history. It considers factors like your education, your career and your debt-to-income (DTI) ratio to decide whether to extend credit to you.

Beyond not requiring a credit score, the card also doesn’t require a Social Security number right away. And because CreditStacks reports your credit utilization to Equifax, you can start building your credit score in the US with responsible use and on-time payments.

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The perks

  • No credit score needed.

    CreditStacks looks at factors beyond your credit history — such as your education and career — to evaluate your eligibility for a card.

  • No Social Security number needed.

    It can be tough to get a credit card if you don’t have a Social Security number. Luckily, with this card you won’t need it. In lieu of that information, provide your passport, visa information and proof of US income. Give your Social Security number to CreditStacks after you obtain it in the US.

  • Build your credit.

    CreditStacks reports your credit utilization to Equifax, which can help you build your US credit score. It also provides cardmembers with resources on best practices for building credit.

You’ll also like …

  • No annual fee.

    A $0 annual fee makes it easy to keep the card long term.

  • Apply before you move to the United States.

    As long as your expected relocation date is within 60 days, you can apply for card approval before you move to the US. If you’re approved, CreditStacks tries to get your card to you soon after you arrive to the country.

  • No foreign transaction fee.

    Use this card when visiting back your home country and you won’t pay foreign transaction fees.

  • High credit limit.

    You may be approved for a credit limit up to $5,000, which is much higher than the typical credit limit of up to $3,000 for a secured credit card. Because it’s an unsecured card, you won’t need to put down a security deposit.

The difference between secured cards and unsecured cards

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What to watch out for

  • No balance transfers.
    CreditStacks Credit Card Mastercard® doesn’t offer this feature. But assuming you’re just moving to the US, you won’t need it.

Compare similar low credit score cards

Name Product Filter values Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
9.95% for the first 6 months (then 17.99% fixed)
17.99% fixed
$39
300
Borrow up to $10,000 and get your credit score back on track.
10.99% for the first 6 months (then 24.99% variable)
24.99% variable
$0
580
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.

N/A

26.99% variable
$0
300
Take control and build your credit with responsible use.

N/A

22.49% variable
$39
300
Helps establish, strengthen and even rebuild your credit.

Compare up to 4 providers

What should I know before I apply?

CreditStacks is currently accepting signups for its waitlist. To apply for the CreditStacks Credit Card Mastercard®, you must be at least 18 years old.

To apply for an invitation, you’ll need to provide:

  • Your name, email and employer.
  • Whether you live in the US or when you’ll be moving to the US.
  • Your residency status.

What credit score do I need?

Unlike many other cards, you don’t need a credit score to apply for the card. In fact, the it’s specifically targeted to customers without one.

Do I need a Social Security number?


You don’t need a Social Security number to apply. Instead, you’ll provide your visa information, passport and proof of US income. Give your Social Security number to CreditStacks once you’re in the US.

How to apply for the CreditStacks Credit Card Mastercard®

  1. Go to the CreditStacks website and click Apply now.
  2. Fill out the application form.
  3. Review your information and click Submit.

Upon approval, expect your card to be shipped in one to two business days if you’re already in the US. Once shipped, you’ll receive an email containing the card’s UPS tracking number.

If your expected move date is 10 days or more from the approval date, you’ll be notified 10 days prior to your move date to confirm your shipping address.

I got the card. Now what?

  • Pay your balance on time. And avoid paying interest and fees. With timely payments and responsible use you’ll build your credit score, which can land you better cards in the future.
  • Customer support. You can reach CreditStacks customer support with a message via their website.

Bottom line

The CreditStacks Credit Card Mastercard® taps into an underserved market: Relocating professionals who don’t have US credit histories. Because it doesn’t require a US credit score or Social Security number, it may be a natural choice — especially when other banks may deny you.

The card offers a high maximum credit limit and doesn’t require a deposit, which makes it more attractive than secured credit cards. And because CreditStacks reports your account information to Equifax, you can quickly start building your US credit history.

But if this isn’t the card you were looking for, check out other credit cards and compare your options

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