Secured Sable ONE Credit Card

Explore the credit cards and benefits offered by Sable Bank | Bright Money to Manage Debt

Credit needed
Limited or Bad Credit
18% - 24% (Varies with credit score)
Annual Fee
Varied based on credit limit

Card Summary

  • Credit Building: The Secured Sable ONE Credit Card is a great choice for people seeking to establish or rebuild their credit history. With a required security deposit, this card minimizes the risk for the issuer, making it accessible even for those with limited credit history

  • Low Minimum Deposit: This secured card stands out with its relatively low minimum security deposit requirement. This accessibility ensures a broad range of consumers can use this card to improve their financial standing

  • Transparent Terms and Conditions: The card provides clear and easy-to-understand terms and conditions. This transparency aids users in avoiding unexpected fees and interest charges

  • Credit Monitoring Services: The Secured Sable ONE Credit Card offers free credit monitoring services like many secured credit cards. This feature lets users to stay informed about changes to their credit score and report, assisting them in tracking their progress in building or rebuilding credit

  • No Penalty APR: Unlike some credit cards, the Secured Sable ONE Credit Card does not impose a penalty APR. This means your interest rates will stay the same if you pay late

  • Potential for Graduation to an Unsecured Card: The Secured Sable ONE Credit Card may offer a pathway to graduate to an unsecured credit card after demonstrating responsible card management

  • Cashback Rewards: Some versions of the Secured Sable ONE Credit Card may offer cashback rewards on eligible purchases, providing users with a financial incentive for their spending.

  • Customizable Credit Limits: The ability to choose your own credit limit by depositing the amount you're comfortable with provides users with flexibility and control over their credit utilization

  • Financial Education Resources: The Secured Sable ONE Credit Card may offer access to educational resources and tools for improving financial literacy and money management

  • Zero Liability Protection: Cardholders may benefit from zero liability protection, which safeguards them from unauthorized transactions or fraudulent charges on their card

  • Secure Online Account Management: The card may provide secure online account management tools, making it convenient for users to track their spending, pay bills, and manage their card online

Card Summary - Cons

  • Annual Fee: One of the primary drawbacks of this card is the presence of a yearly fee. The specific amount may vary based on your credit limit and financial goals, which might align differently with everyone's preferences.

  • No Rewards Program: The Secured Sable ONE Credit Card offers no rewards, cashback, or points. This absence of rewards may be disappointing for users seeking incentives for their spending

  • Limited Additional Features: Compared to some unsecured cards, this secured card offers fewer additional features and perks, such as travel benefits or purchase protection

Rates and fees

Issuer Name
Penalty APR
Not Applicable
Credit Needed
Limited or Bad Credit
Balance Transfer Fee
Annual Fee
Varied based on credit limit
Cash Advance Fee
Varies, Refer to Card Agreement
18% - 24% (Varies with credit score)
Foreign Transaction Fee
Yes, check card terms


Comparative Analysis with Other Cards

Unity Visa Secured Credit Card:

The Secured Sable ONE Credit Card stands out with its emphasis on credit building and the potential for graduation to an unsecured card. In contrast, the Unity Visa Secured Credit Card offers a fixed interest rate and does not require a credit check, making it accessible to individuals with various credit backgrounds.

Merrick Bank Secured Visa Credit Card:

The Merrick Bank Secured Visa Credit Card may offer a lower annual fee than The Secured Sable ONE Credit Card. Still, it provides a different level of transparency and budget-tracking tools. The choice between these cards may depend on your preference for lower fees or budget management features.

First Progress Platinum Prestige Mastercard® Secured Credit Card:

While The Secured Sable ONE Credit Card focuses on credit building with budget-tracking tools, the First Progress Platinum Prestige Mastercard® Secured Credit Card offers three variations with different annual fees and deposit requirements. Users may choose between lower fees or budget assistance based on their priorities.


In conclusion, the Secured Sable ONE Credit Card is a valuable financial tool for individuals looking to build or rebuild their credit. Its low minimum deposit requirement, customizable credit limit, and credit-building features make it a solid choice for those with limited or damaged credit histories.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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