A secured credit card is a type of credit card that requires a security deposit upfront, which becomes your credit limit. It helps those with little or no credit history or past credit mistakes to build or rebuild their credit.

The credit limit on the Sable Secured card is equal to the amount of the security deposit. For instance, if you make a $1,000 security deposit, your credit limit will be $1,000.

Yes, you can upgrade to a traditional credit card in as little as four months after opening your account with Sable. However, to qualify for an upgrade, you must pay your credit card bill on time every month, make over 15 purchases a month (including at least one over $250), maintain a $500-plus credit limit for the last four months, and receive a minimum of $500 monthly via direct deposit into your Sable Bank Account in the last four months.

No, the Sable Secured card does not have an annual fee.

Sable Secured cardholders can earn unlimited 2% cash back on select purchases made with Amazon, Hulu, Netflix, Spotify, Uber Eats, and Whole Foods, and 1% cash back on all other purchases. Additionally, new card members in their first year only will have their cash-back earnings automatically matched at the end of the year. The cash back is applied as a statement credit to your account.