CreditStacks Review

Learn how CreditStacks helps those traveling to the U.S. get approved for credit. Every individual’s story is different but working professionals who travel to the U.S. on work visas might find opportunity with CreditStacks.

Many immigrants leave behind their homeland for the United States in pursuit of a promising future for themselves and their families. In fact, approximately 43.3 million people who live in the US are foreign born—earning the country its name as the "melting pot of the world". When it comes to extending credit, most credit card issuers won't look beyond just three main components—your social security number, employment history, and credit history. This poses a problem for immigrants who need credit. One solution lies with CreditStacks, a creditor who seeks to help immigrants get access to credit, making the transition a little easier.

Issued by First Century Bank, N.A., the CreditStacks card is Mastercard-branded. CreditStacks was founded in 2015 by Israeli entrepreneurs Elnor Rozenrot, Jonathan Jacobi, and Shahar Nechmad. The CreditStacks credit card offers several benefits and features to its target customers:

  • No security deposit
  • No annual fees, at the time of writing this
  • No foreign transaction fees
  • A decent credit limit
  • Approval prior to moving to the US
  • Ability to build good credit
  • Low interest rates
  • No social security number required
  • Other travel benefits

CreditStacks answers an important question for immigrants entering the United States: How can I start to build credit? With minimal drawbacks, and a lot to gain, CreditStacks is a good choice for someone in this particular financial conundrum. It’s not the card for everyone, but CreditStacks has cornered an important and often overlooked market. And kudos to them for that !

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.