Guaranteed Approval Credit Cards with $1,000 Limits
| Credit Card | Best For | Credit Score | Annual Fee | Welcome Bonus | |
|---|---|---|---|---|---|
| 300–669 | $39 ($0 for the first year if you set up autopay) | ||||
| 300–669 | $35 | ||||
| 300–669 | $0 | ||||
| 300–669 | $49 | ||||
| 300–669 | $0 | ||||
| 300–669 | $0 | ||||
| 300–669 | $75 for the first year ($48 after) | ||||
| 300–669 | $0 | Cashback Match | |||
Getting a credit card for bad credit is difficult, especially when you need something with a high credit limit. Luckily, there are cards out there that are so accessible, they’re as close to guaranteed-approval credit cards as you can get.
While credit card approval is never fully guaranteed, some cards are much easier to get than others, and among them are even cards with credit limits up to and over $1,000. We’ll show you the best ones available now.
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Are there credit cards for bad credit with $1,000 credit limits?
Yes, there are credit cards for bad credit with $1,000 credit limits. While many credit cards for poor credit have low credit limits—usually between $200–$500—there are some that offer limits of up to $1,000 and higher.
When you’re looking for a bad-credit credit card with a $1,000+ limit, the easiest ones to get are secured credit cards. Secured cards require a credit card security deposit that usually determines your credit limit. So if you’re willing to put down $1,000 in a deposit upfront, you can get a credit card with the same limit.
There are also unsecured credit cards for bad credit that offer $1,000 limits, but they’re harder to qualify for. Unlike with secured cards, your credit limit on an unsecured credit card will be determined by your lender. They usually base this decision on your credit history and financial situation.
How do I get a credit card with a $1,000 limit if I have bad credit?
There are three ways to get a credit card with a $1,000 limit if you have bad credit:
- Put down a security deposit of $1,000 or more on a secured credit card.
- Qualify for an unsecured credit card with a credit limit of $1,000 or more.
- Get a credit card, then request a credit limit increase up to $1,000 after 3–12 months of responsible borrowing.
Like with any credit card, the first step to getting a credit card with a $1,000 credit limit is to apply. Before you submit your application, research prospective cards and choose the best fit for your needs. To get started, check out our list of the best guaranteed approval credit cards with $1,000 limits for bad credit below.
8 best guaranteed approval credit cards with $1,000+ limits
In our research, we’ve found the following 8 cards to be easy to qualify for with bad credit despite offering limits of $1,000 or more.
Best unsecured guaranteed approval credit card with $1,000 limit
Best guaranteed approval credit card with $1,000 limit and no credit check
Best guaranteed approval credit card with $1,000 and no annual fee
Best guaranteed approval credit card with $1,000 limit with low APR
Best guaranteed approval credit card with $5,000 limit
Best guaranteed approval credit card with $1,000 limit and no SSN
Best guaranteed instant approval credit card with $1,000 limit
Best guaranteed approval cashback credit card with $1,000 limit
Card breakdown
Here’s why we chose these credit cards as the best options for guaranteed approval with $1,000+ limits for bad credit.
Prosper® Card
If you’re looking for an unsecured credit card with guaranteed approval and a very high potential credit limit, the Prosper® Card is a great choice. It’s an unsecured card, and offers initial credit limits of $500–$3,000. Better yet, you can double that credit limit in as little as 3 months, meaning you could have a credit limit of $6,000 on the Prosper® Card.
While you won’t need to pay a security deposit, the Prosper® Card does come with fees to consider. However, the annual fee is only $39 and you get it waived for the first year when you set up autopay.
The application for the Prosper® Card is quick and easy, so you could have thousands of dollars in spending power in no time with this card.
OpenSky® Secured Visa®
The OpenSky® Secured Visa® is the best secured credit card with guaranteed approval and a potential credit limit of $1,000. It requires a security deposit, but you can make that deposit as high as $3,000. You get back what you put in, so if you’re willing to pay $3,000 upfront, you can have a $3,000 line of credit in your wallet.
What really sets this card apart is that it’s a credit card that doesn’t require a credit check, a rarity in the borrowing world. This is great for two reasons:
- You won’t get a hard inquiry on your credit report. Hard inquiries happen when someone performs a hard pull or credit check into your credit history. They knock a few points off your credit score, so you want to avoid hard inquiries when possible.
- Anyone can qualify. Even if you have bad credit, no credit, bankruptcies, or other black marks on your credit report, the OpenSky® Secured Visa® lender won’t see them, so you can still qualify for the card.
In fact, the OpenSky® Secured Visa® doesn’t even require you to have a checking account. If you’re not financially established or if you’re going through a difficult financial period, you can still open an OpenSky® Secured credit card.
The OpenSky® Secured card is also a great credit card for building credit, as it reports to Equifax, Experian, and TransUnion—the three major credit bureaus that create your credit reports.
On the downside, the card charges an annual fee of $35. However, this is a relatively low cost considering how much value you can get from the OpenSky® Secured Visa®.
Citi® Secured Mastercard®
The Citi® Secured Mastercard® is a secured credit card with incredibly high approval odds and a flexible credit limit of up to $2,500. Your credit limit will be equivalent to the security deposit you pay, meaning you can get a $200–$2,500 line of credit if you’re willing to put down a high deposit.
While you’ll need to pay money upfront for the card, the cost is otherwise low. It doesn’t charge an annual fee, a processing fee, or any monthly fees.
Furthermore, Citibank reports your borrowing activities to the three major credit bureaus, allowing you to build credit across the board. Comprehensive credit reporting is important if you’re trying to build or rebuild your credit, as the information provided to the bureaus updates your credit report.
First Progress Platinum Prestige MasterCard® Secured
The First Progress Platinum Prestige Mastercard® Secured credit card is one of three First Progress secured credit cards. The First Progress Platinum Prestige Mastercard® has a lot to brag about, including:
- Credit limits between $200–$2,000
- No credit check needed to qualify
- Low APR
- Credit reporting to the three major credit bureaus
Given that no credit check is needed to apply, the First Progress Platinum Prestige Mastercard® is a near guaranteed approval card, even if you have negative marks on your borrowing history. As it’s a secured card, the credit limit you receive will be equivalent to your security deposit, so you can decide whether you’re willing to put down upwards of $2,000 for a high line of credit.
Most notably, the First Progress Platinum Prestige Mastercard® boasts incredibly low APR, especially when compared to other guaranteed approval credit cards for bad credit. Its APR is only 12.99% (variable).
APR represents a credit card’s interest rate. While most credit cards available to borrowers with poor credit have extremely high APR, 12.99% (variable) is a remarkably low percentage. This means if you carry a credit card balance from month to month, you won’t get buried in interest charges.
Horizon Secured
The Horizon Secured credit card may be your first stop if you’re looking for a credit card for bad credit that has no deposit and up to a $5,000 credit limit. This card will give you an initial limit between $300–$5,000.
With such a high potential credit limit, there are many opportunities to score one over $1,000, or even as high as $5,000.
The Horizon Secured card also reports to all three major credit bureaus, making it a good card for credit-building. Last and certainly not least, the Horizon Secured credit card doesn’t charge an annual fee, making it a low-cost and potentially high-returns card.
Petal 1® Visa®
The Petal® 1 Visa® credit card (as well as its sister card, the Petal® 2) is a rare credit card. Among its many positive traits, it:
- Doesn’t require a security deposit
- Doesn’t charge an annual fee
- Has high approval odds
- Is available to borrowers without a Social Security number (SSN)
- Offers cashback rewards
- Gives credit limits up to $5,000
These features make it an incredibly appealing and accessible borrowing option. With the potential for a credit limit as high as $5,000, the Petal® 1 Visa® should be near the top of your list for credit cards for bad credit with high limits. Non-citizens can especially benefit from this card, as it doesn’t require an SSN.
When applying for the Petal® 1 Visa®, you’ll first go through the Petal® credit card pre-approval process. The issuer will then let you know whether you’re eligible to submit an official application for:
- The Petal® 1 and Petal® 2 credit cards
- Only the Petal® 1
- Neither card
You should apply for the Petal® 2 if given the option, but it’s very likely you’ll be approved to apply for the Petal® 1 Visa® if you have bad credit.
Along with its many perks, the Petal® 1 Visa® even offers an Uber credits program, which earns you rewards towards Uber trips when you pay with your Petal® 1 credit card.
Total Visa® Card
The Total Visa® Card is one of the closest credit cards to guaranteed approval out there, offering incredibly high approval odds and instant approval for the majority of applicants. Better yet, it’s an unsecured credit card, so it doesn’t require any security deposit.
The application process is easy, and only requires the following information:
- Name
- Email address
- Physical address (no P.O. boxes)
- Phone number
- Date of birth
- Social Security number
- Employment status
- Net monthly income
- Estimated monthly expenses
If the bank has trouble verifying any of the information above, it may take a few days to process your application. However, this is rare, and you’ll most likely be approved instantly for the card with an initial credit limit of $300.
While this is far from a $1,000 limit, the credit card offers credit limit increases after 12 months of borrowing. The lender will assess you automatically for an increase and send you an offer, or you can specifically ask for a credit limit increase up to $1,000. Beware that if you accept a credit limit increase offer, you’ll be charged an increase fee.
Although you’ll be able to access your line of credit quickly without needing to put down a security deposit, you’ll be charged an $89 program fee upon account opening. This will be the first of many fees the Total Visa® Card charges. So while it can give you immediate funds and instant approval, it may cost you a lot of money in the long run.
Discover it® Secured
When it comes to guaranteed approval credit cards, you hardly expect one to offer both a $1,000 credit limit and cashback rewards. But the Discover it® Secured is a unique card. It has high approval odds, a deposit and corresponding credit limit between $200–$2,500, and a generous rewards program.
Here’s how the rewards work:
- 2% cash back on gas and restaurant purchases (up to $1,000 each quarter)
- 1% cash back on all other purchases (unlimited)
- 1-for-1 cashback match in your first 12 months (every dollar you earn in cash back will be doubled in your first year of card ownership)
Additionally, the Discover it® Secured credit card doesn’t charge an annual fee or foreign transaction fees. It even reports your activity to the credit bureaus (great for building credit) and gives you free monthly FICO scores.
