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Review of Jasper

Moving to the US is not an easy feat for anyone. Starting somewhere new can seem like an impossible task, no matter how educated you are or the job offer that you have.

One of the main struggles when moving abroad is setting up financial services.

Most credit cards want you to have a good credit score before applying for a card. Qualifying for a credit card can be frustrating.

It’s a catch 22, how do you get credit history if you are unable to obtain any financial services that build credit? That is where Jasper saw an opportunity for a new kind of credit card.

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Jasper is a credit card company that opened its doors in 2018. They offer a unique service by providing a credit card for working professionals immigrating to the US.

The Jasper vision is to help professionals moving to the US build a credit history.

The company sends reports on your spending, payments and utilization to the credit bureaus Equifax and TransUnion.

What is unique about the Jasper Credit Card is that applicants do not need a previous credit history¹ or an SSN² to apply and be accepted.

Jasper MasterCard® Credit Card Review

It can be painfully frustrating for those relocating to the US to get a credit card. The Jasper MasterCard® credit card has changed that.

This card is truly one of a kind. No Social Security Number² is required upon application and a high credit limit of up to $5,000, this card will enable you to begin building a credit score right away.

Jasper offers advance approval of up to 60 days before starting your new job in the U.S.

Their payment schedule offers autopay options that ensures their customers are building a good credit history right from day one.

Autopay helps customers avoid unnecessary debt, and enables customers to avoid late payments, which can help boost their credit score.


  • Credit Limit of up to $5,000
  • Late payment fees up to $27
  • No annual fee
  • No security deposit
  • No foreign transaction fees
  • Purchase APR 15.49% – 24.99% (variable)
  • Cash advance APR 24.99% – 29.99% (variable)
  • Available without an SSN² or credit history¹
  • Simple, intuitive app to manage your account


The Jasper MasterCard® credit card offers a 1% cashback on every eligible** purchase; along with many other benefits associated. Get up to 6% cashback by referring friends!

Receive your cashback automatically every month as a credit to your account, as long as your account is active and in good standing. Up to $5,000 credit limit.

Start with 1% and get an extra 0.5% for a full year for every friend you bring on board.

Zero Liability

Protection against fraud and unauthorized purchases

Travel Insurance

Collision damage waivers, lost or damaged luggage insurance, travel accident, and cancelation insurance.

Extended Warranties

Double the original manufacturers and store warranty

Cell Phone Protection

Coverage in the event of your cell phone has been stolen or damaged.

More benefits and the full list of conditions can be viewed here.

The main reward of owning a Jasper credit card is that it will give you 1% cashback on every eligible** purchase. In addition, it is used to help you build a credit history in the US. Having a good credit score is crucial to building a secure financial future.

A high credit score can allow you to obtain other credit cards that offer low fees and high rewards. It will also help you get a mortgage when the time comes to really put down roots.

Does Financer.com recommend the Jasper MasterCard® credit card?

Financer.com recommends the Jasper credit card for those people relocating to the US and want to start building a credit score early.

Their unique acceptance criteria allow those without a credit history¹ in the US to be able to get a credit card.

Rather than looking at credit history, Jasper looks at other factors to determine creditworthiness such as an offer of employment and their debt to income ratio.

The Jasper credit card helps customers to build a credit history over time by reporting their spending and payments to the credit bureau.

This credit card will build your credit history and allow you to grow your financial borrowing opportunities in the US over time.

Our Review of Jasper

Our opinion of Jasper is positive. They have found a genuine need in the finance market for new settlers and have created a product that aids it.

With more immigrants than any other nation flocking to the US, there is a need for a company that can help build a credit history.

The Jasper MasterCard® credit card is impressive. It brings an opportunity that other credit cards simply don’t offer.

What makes this card shine is that applicants do not need a credit history¹ to get approved or an SSN². Jasper uses their own criteria for approvals that include information such as proof of a work visa and employment.

They do not run a hard credit inquiry for applicants who are new to the U.S. and are in the country on a work visa.

For other applicants, they will pull a credit check. But their review is always based on multiple criteria, not just your credit score.

If you are new to the US, apply for the Jasper MasterCard®. It will help build your credit history over time, which will allow you to borrow for larger items such as mortgages and home loans at a lesser rate.

Having a good credit score in the US can save you a lot of extra costs when needing to borrow in the future.



  • Reports credit activity only to Equifax and TransUnion
  • No online account access


Although Jasper is a young company, it has gained an impressive reputation. Few companies offer such a unique credit card for those relocating to the states.

Website and Functionality

The Jasper website is easy to navigate. All communication with the company is online. You can apply for a credit card through their website.

They offer a login service where you can keep up to date with your application process.

The downside to the Jasper website is that you cannot access your credit card account from there.

The company wants to provide a service that its customers can access anytime, anywhere. Customers can access their accounts on the go through the personal smartphone app. Jasper offers other alternatives to an online account with their app.

Does Financer.com recommend Jasper?

Financer.com recommends for those people relocating to the US and want to start building a credit score early.

Their APRs are competitive with other credit cards. The purchase APR is currently 15.49%-24.99% variable and the cash advance APR is 25.99% to 29.99% variable.

Jasper MasterCard® does offer rewards: earn 1% cashback on every eligible** purchase. The card also offers no annual fees³ and other benefits like no overseas transaction fees and liability cover.

**Terms apply: https://www.jaspercard.com/disclosures/fees_terms-4.pdf

Disclosure Statement

¹ If the applicant has been living in the US for more than one year at the time of application, SSN must be provided and application review will include a credit check.

² SSN is required within 60 days of card activation. The card can only be activated from within the US. Applicants who have been living in the US for one year or more must provide SSN at the time of application and undergo a credit check

³ Review the Jasper fee schedule.

Jasper Bank Info

The Jasper MasterCard® is issued by WebBank pursuant to a license by MasterCard International Incorporated. MasterCard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. WebBank, Member FDIC © 2021.

Reviews of Jasper

Jasper is rated 3 out of 230 companies in total rating and got an average review score of 4.8 based on 4 reviews. Their weakness is Flexibility & Terms and their strength is Support & Service.
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kathleen_barlow 1 review | September 5, 2021
Credit Card Review
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Dixon Haydn 1 review | April 29, 2021
General Review
just like the name implied very much magical
never had i ever seen such big moment making machines
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Calvin Fung 1 review | April 17, 2021
General Review
Looks like a solid company so far. MasterCard with high credit limit (up to $5,000)
Might need to link a bank account, and other processes.
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Edward Mercado 1 review | April 16, 2021
General Review
do not need a credit history to get approved or an SSN
Talking to customer service takes time
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