Got a Question?

Here's what people usually ask when they discover Jasper

What is the Jasper Mastercard?arrow

Jasper is a prime Mastercard tailor-made for individuals just like you – high-earning, quality employees, with no local U.S. credit history¹. Most financial products and offerings, including eligibility for a credit card, loan, or mortgage require an established credit history. Jasper relieves the burden of starting your professional journey in the U.S. with little or no credit history. With a high credit limit (up to $5,000) and best-in-class terms, the Jasper Mastercard allows you to begin building great credit as soon as you start your new job in the US.

I don't have an SSN - Can I still apply?arrow

Yes. You can apply without an SSN and with little or no U.S. credit history. You will need to provide your passport, visa information and proof of U.S. employment. After you obtain your SSN, you will be required to provide it within 60 days of card activation. Applicants who have been living in the US for one year or more are required to provide SSN at the time of application and will undergo a credit check. Reporting your credit activity to the credit bureaus Equifax and TransUnion is one of the ways Jasper helps you build your credit score.

How can Jasper help me build my credit score?arrow

By using your Jasper Mastercard (with a credit limit of up to $5,000) and making all payments by your due date, you can rapidly start building your credit score. We report your credit utilization to the credit bureaus Equifax and TransUnion, so that other credit suppliers (banks, lenders, etc.) can quickly learn that you are a strong and credible customer. We are working hard to report to the other main credit bureau Experian as well, and will update our cardholders when this process is completed. Jasper will also provide you with guidelines, recommendations, and best practices to help you build credit with ease. Jasper will report your credit activity, whether positive and negative, to the credit bureaus. On-time payments are a critical aspect of building your credit score. To help ensure that your reports are positive, the Jasper app allows you customize automatic payments several different ways.

Will you run a hard inquiry with the credit bureaus when I apply for the card?arrow

We are not your typical credit card company. At Jasper, we do things differently. We know you are more than just your credit score, which is why we use alternative methods of credit assessment.

As such, if you just arrived in the U.S on a work visa, we will not run a hard inquiry with the credit bureaus to process your application. We know that as a newcomer to credit in the U.S., you lack the credit history required by most banks for a credit card, which is why we use our proprietary underwriting procedures to look at you as the person you are (current employment, etc), not just as a credit score.

However, if you are a U.S. citizen, a U.S. permanent resident (“green card” holder), or if you have been living in the US for more than one year at the time of application, please be advised that we will indeed run an inquiry with the credit bureaus.

I'm relocating to the U.S. for work. Can I be accepted as a cardholder before I start my new job in the U.S.?arrow

Yes! If you are relocating to the U.S. for work, one of the Jasper Mastercard’s most exciting features is that we will process your application even before you start your new job in the US. If you are accepted, your Jasper Mastercard will be waiting on your desk on day one. If you are already residing in the U.S., you can get your card shipped to your work or home address.

I don’t yet have my visa stamped in my passport. Can I still apply?arrow

Yes. If you do not yet have your U.S. visa stamped in your passport during your application process, you can still apply by simply uploading your completed I-797 form.

What if I am a green card holder or US citizen? Can I still qualify?arrow

If you are a US permanent resident (“green card” holder) or a US citizen, you may also be eligible to become a Jasper cardholder, if you meet our underwriting criteria.

Are there any costs involved?arrow

We don’t believe prime customers should be charged high fees for using their credit card, which is why our card carries no annual fees³. As long as you pay your balance on time, you won't run into any interest or surprise fees either.

I already have a U.S. bank account. Am I still eligible for a Jasper Mastercard?arrow

Yes. Even though you already have a U.S. bank account, your bank still may not be able to offer you a prime-grade credit card because you lack local credit history. Instead, they may offer you a debit card (which doesn't help build your credit) or secured credit card with a low credit limit. The Jasper Mastercard offers an independent credit card account with the ability to pay your balance using your existing bank account.

Can I add my Jasper card to my digital wallet, i.e. Google Pay or Apple Pay?arrow

Yes. The Jasper Mastercard is completely compatible with Google Pay or Apple Pay. Simply add your Jasper card to your digital wallet and enjoy effortless payment and total peace of mind knowing your credit card number is never transferred – no additional app needed to download.

Can I choose to ship my card to a non-U.S. address?arrow

We apologize for any inconvenience, but for security reasons, we will only ship your card to a verified work address within the U.S. If extenuating circumstances arise and you cannot receive your card to your provided work address, you will be asked to provide proof of your U.S. residence in the form of a utility bill or government-issued document.

Can I use my Jasper Mastercard outside of the United States?arrow

Yes. There are no foreign transaction fees³ and the Jasper card is accepted everywhere Mastercard is. Feel free to get swiping across the globe!

Can I add authorized users, such as a spouse or significant other, to my Jasper Mastercard?arrow

We are working towards launching an extension to our program which will allow our customers to add an authorized user to their account. Unfortunately, we still cannot provide an ETA for when this extension will be launched. If someone you know is interested in becoming a Jasper cardholder, we invite them to complete our online application.

I am in the midst of applying, but am nervous to upload such sensitive personal information. Is it safe?arrow

We know how important your privacy and security are. We protect all our users' information with the utmost security measures. Rest assured that all documents uploaded are encrypted, and all data is safely stored.

I was approved for my Jasper Mastercard! When should I expect it to arrive?arrow

If you’re already in the U.S. or moving in the upcoming 10 days, your card will be shipped in 1-2 business days post-approval. It will be shipped to you via USPS Priority Mail, which generally takes 5-7 business days. Once your card is shipped, we will notify you via email. If your expected move date is more than 10 days away, you will be notified 10 days prior to your expected move date prompting you to confirm your shipping address. Please note that cards can only be shipped to a valid U.S. address and can only be activated from within the United States.

What kind of protection do I have against theft and fraud?arrow

Through our partnership with Mastercard, you get Identity Theft Resolution Services that help you detect and stamp out identity fraud while eliminating out-of-pocket expenses. With the Mastercard Identity Theft Alerts®, a no-fee service offered by Jasper Mastercard, you are immediately alerted if your personal information is flagged as being at risk. Learn more.

What documents do I need to apply?arrow

US citizens and permanent residents (green card holders) can apply using Plaid verification. If you prefer not to use Plaid or if your financial institution is not available within the Plaid system, you can upload proof of income such as a recent payslip. For work visa holders, we will require your passport, work visa, and proof of income.

Why was my Jasper application declined?arrow

When we consider an application for Jasper, we take into account multiple data points and generate a score, in order to make sure our customers can afford the offered credit line. If your Jasper application was declined and you would like more information about this decision, contact

What criteria does Jasper consider in reviewing my application? Does my credit score matter? arrow

Jasper’s approval decisions are based on multiple factors, such as your income, employment history, and in the case of applicants who have over one year of U.S. credit history at the time of application, your credit history. So, if you are not a newcomer to the U.S. when you apply for Jasper, your credit score does matter, but it is only one factor we look at in the context of many others when we make our approval decision.

If Jasper doesn’t require a credit history to apply, why did Jasper run a hard inquiry against my credit report? arrow

Jasper does not require credit history to apply, but if you have one, we will review it as part of your application.

If you have just arrived in the U.S. on a work visa, and therefore do not have much credit history yet, we do not run an inquiry against your credit report. We know you may qualify for a Jasper card in other ways and your lack of U.S. credit history alone should not be an obstacle.

However, if you are a U.S. citizen, a U.S. permanent resident, or if you have been living in the U.S. for more than one year, we do indeed run an inquiry with the credit bureaus when you apply for Jasper. The U.S. credit history you have built is one piece of information, among many others, that helps us view you holistically and determine whether you qualify for the card.