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Home Credit Cards Guaranteed Approval Credit Cards with $1,000 Limits for Bad Credit

9 Best Guaranteed Approval Credit Cards with $1,000 Limits for Bad Credit

Guaranteed Approval Credit Cards with $1,000 Limits for Bad Credit

At a glance

Believe it or not, there are credit cards with $1,000+ credit limits available to borrowers with bad credit. Some even boast approval odds that are so high they’re nearly guaranteed.

Written by Kari Dearie

Jul 21, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. That's our first priority, and we take it seriously. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Guaranteed Approval Credit Cards with $1,000 Limits

Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
Sable Secured credit card Sable ONE Secured Credit Card Overall 300–850 $0 Cashback Match Apply
OpenSky Secured Visa credit card OpenSky® Secured Visa® Credit Card No Credit Check 300–850 $35 N/A Apply
Prosper Card Prosper® Card Unsecured (No Deposit) 300–850 $0–$39 N/A Apply
First Progress Platinum Prestige Mastercard secured credit card First Progress Platinum Prestige MasterCard® Secured Credit Card Low APR 300–850 $49 N/A Apply
Citi Secured Mastercard credit card Citi® Secured Mastercard® No Annual Fee 300–850 $0 N/A Apply
Horizon Secured Credit Card Horizon Secured Credit Card $5,000 Limit 300–850 $0 N/A Apply
Petal 1 Visa credit card Petal 1® Visa® Credit Card No SSN 300–850 $0 N/A Apply
Total Visa credit card Total Visa® Credit Card Instant Approval 300–850 $48–$75 No cash advance fee for the first year Apply
Discover It secured credit card Discover it® Secured Credit Card Cash Back 300–850 $0 Cashback Match Apply

Table of Contents

  1. Are there credit cards for bad credit with $1,000 credit limits?
  2. How do I get a credit card with a $1,000 limit if I have bad credit?
  3. 9 Best guaranteed approval credit cards with $1,000+ limits

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 within those, you can find plenty of cards with credit limits up to and even over $1,000.

We’ll walk you through what you need to know about getting a guaranteed approval credit card with a $1,000 limit if you have bad credit, and show you our top 9 choices of cards.

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:

  1. Put down a security deposit of $1,000 or more on a secured credit card.
  2. Qualify for an unsecured credit card with a credit limit of $1,000 or more.
  3. 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.

9 Best guaranteed approval credit cards with $1,000+ limits

In our research, we’ve found the following 9 cards to be easy to qualify for with bad credit despite offering limits of $1,000 or more.

Best overall guaranteed approval credit card with $1,000 limit

Sable Secured credit card Apply Now

on Sable's secure site
or call (833) 583-8383

Sable ONE Secured Credit Card

4.9

Authority

Rates & Fees

Annual Fee
$0
Regular APR
10.24% (variable)
Rewards Rate
1%–2%
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

Our overall top choice of a guaranteed approval credit card with a $1,000 limit is the Sable ONE secured credit card. It has plenty to recommend it in the way of credit limit, fees, and rewards. Here are its notable perks:

  • No annual fee
  • 2% cash back on Amazon, Spotify, Netflix, Uber, and other select brands
  • 1% cash back on everything else
  • Cashback match the first year
  • Credit limits as high as $10,000
  • No credit check needed to apply
  • 98% approval odds
  • Path to graduate to an unsecured credit card in 4 months

Not only does this card offer the most flexible credit limit on the list, but it doesn’t come at the cost of a high annual fee or exorbitant interest rates. Even better, the card offers a 1%–2% cashback rewards program with a dollar-for-dollar cashback match the first year.

The Sable ONE doesn’t require a credit check to apply, meaning even borrowers with bad credit and negative marks on their credit history can easily qualify for a card. As a secured card, it requires a security deposit that will determine your credit limit. However, you can set this limit as high as $10,000.

Pros & Cons

Pros:

  • Low APR
  • 2% cashback rewards
  • Welcome bonus 2x cash back
  • High approval odds
  • Credit limit up to $10,000

Cons:

  • Must have a Sable bank account
  • Security deposit required
  • Cash advances not available
  • Balance transfers not available

Card Details

  • Annual fee: $0
  • Purchase APR: 11.74%
  • Credit limit: $200–$10,000
  • Rewards rate: 1%–2%
  • Foreign transaction fee: 2%

Best guaranteed approval credit card with $1,000 limit and no credit check

OpenSky Secured Visa credit card Apply Now

on OpenSky's secure site
or call (800) 859-6412

OpenSky® Secured Visa® Credit Card

4.5

Authority

Rates & Fees

Minimum Deposit
$200
Annual Fee
$35
Regular APR
17.64% (variable)
Rewards Rate
N/A
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

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®.

Pros & Cons

Pros:

  • Helps build credit
  • Low APR
  • No checking account required
  • High approval odds

Cons:

  • Requires a security deposit
  • Charges an annual fee
  • Can’t upgrade to an unsecured card
  • No rewards

Card Details

  • Issuer: Capital Bank N.A.
  • Security deposit: $200–$3,000
  • Credit limit: $200–$3,000
  • Annual fee: $35
  • Regular APR: 17.39% (variable)
  • Cash advance fee: $6 or 5% of the amount (whichever is greater)
  • Cash advance APR: 17.39% (variable)

Best unsecured guaranteed approval credit card with $1,000 limit

Prosper Card Apply Now

on Prosper's secure site
or call (866) 615-6319

Prosper® Card

4.1

Authority

Rates & Fees

Annual Fee
$0–$39
Regular APR
19.74%–30.74% (variable)
Rewards Rate
N/A
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

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.

Pros & Cons

Pros:

  • No deposit required
  • No cash advance fees
  • Fast application
  • Credit limit increases available after 3 months
  • Foreign transactions are available

Cons:

  • High APR
  • $39 annual fee
  • No rewards
  • No welcome bonus or intro offers
  • Balance transfers not available

Card Details

  • Issuer: Coastal Community Bank
  • Annual fee: $0–$39
  • Regular APR: 19.74%–30.74% (variable)
  • Cash advance APR: 30.74% (variable)
  • Cash advance fee: None
  • Initial credit limit: $500–$3,000
  • Foreign transaction fee: 1%
  • Late payment fee: Up to $40

Best guaranteed approval credit card with $1,000 limit with low APR

First Progress Platinum Prestige Mastercard secured credit card Apply Now

on First Progress' secure site
or call (866) 706-5543

First Progress Platinum Prestige MasterCard® Secured Credit Card

4.1

Authority

Rates & Fees

Minimum Deposit
$200
Annual Fee
$49
Regular APR
9.99% (variable)
Rewards Rate
N/A
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

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 9.99% (variable).

APR represents a credit card’s interest rate. While most credit cards available to borrowers with poor credit have extremely high APR, 9.99% (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.

Pros & Cons

Pros:

  • Low APR
  • No credit inquiry required
  • The security deposit is refundable
  • A discharged bankruptcy in your credit report will not cause you to be declined

Cons:

  • $49 annual fee
  • Requires a security deposit
  • Requires a Synovus bank account
  • The card can’t be upgraded to an unsecured card

Card Details

  • Credit card issuer: Synovus Bank
  • Purchase APR: 9.99% (variable)
  • Annual fee: $49
  • Security deposit: $200–$2000
  • Credit limit: $200–$2000 (equal to your security deposit)
  • Cash advance APR: 19.24% (variable)
  • Cash advance fee: $10 or 3% of the amount (whichever is greater)
  • Foreign transaction fee: 3% of the transaction amount
  • Late payment fee: Up to $41

Best guaranteed approval credit card with $1,000 and no annual fee

Citi Secured Mastercard credit card Apply Now

on Citi's secure site
or call (800) 950-5114

Citi® Secured Mastercard®

3.8

Authority

Rates & Fees

Minimum Deposit
$200
Annual Fee
$0
Regular APR
23.99% (variable)
Rewards Rate
N/A
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

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.

Pros & Cons

Pros:

  • Available to limited credit borrowers
  • $0 annual fee
  • Reports to all three credit bureaus

Cons:

  • High APR
  • Requires a security deposit
  • No rewards

Card Details

  • Credit card issuer: Citibank
  • APR: 23.99% (variable)
  • Annual fee: $0
  • Security deposit: $200–$2500
  • Initial credit limit: $200–$2500
  • Balance transfer APR: 23.99% (variable)
  • Balance transfer fee: $5 or 5% (whichever is greater)
  • Cash advance APR: 25.49%
  • Cash advance fee: $10 or 5% (whichever is greater)
  • Foreign transaction fee: 3%
  • Late payment fee: Up to $40
  • Citi Flex Plan APR: 23.99% (variable)

Best guaranteed approval credit card with $5,000 limit

Horizon Secured Credit Card Apply Now

on Horizon Bank's secure site
or call (888) 873-2640

Horizon Secured Credit Card

3.8

Authority

Rates & Fees

Minimum Deposit
$300
Annual Fee
$0
Regular APR
25.49% (variable)
Rewards Rate
N/A
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

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.

Pros & Cons

Pros:

  • No annual fee
  • Balance transfers available
  • Foreign transactions available
  • Cash advances available
  • Reporting to all three credit bureaus

Cons:

  • Security deposit required
  • High APR
  • No rewards
  • No welcome bonuses or intro offers

Card Details

  • Credit card issuer: Elan Financial Services
  • Regular APR: 25.49% (variable)
  • Annual fee: $0
  • Credit limit: $300–$5,000
  • Cash advance APR: 27.49% (variable)
  • Cash advance fee: 3%–5% or $5–$10 (whichever is greater)
  • Balance transfer APR: 25.49% (variable)
  • Balance transfer fee: Either 3% or $5 (whichever is greater)
  • Foreign transaction fee: 2%–3%
  • Late fee: Up to $41

Best guaranteed approval credit card with $1,000 limit and no SSN

Petal 1 Visa credit card Apply Now

on WebBank's secure website
or call (855) 697-3825

Petal 1® Visa® Credit Card

4.0

Authority

Rates & Fees

Annual Fee
$0
Regular APR
20.74% –30.24% (variable)
Rewards Rate
2%–10%
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

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.

Pros & Cons

Pros:

  • No deposit required
  • $0 annual fee
  • No foreign transaction fees
  • Up to 10% cashback rewards
  • Available to people with no credit score

Cons:

  • Cashback rewards are limited to select merchants
  • High APR
  • No introductory offers
  • Balance transfers and cash advances not available

Card Details

  • Issuer: WebBank
  • Annual fee: $0
  • Regular APR: 19.99%–29.49% (variable)
  • Credit limit: $500–$5,000
  • Late fee: Up to $40
  • Returned payment fee: $29
  • Free VantageScore credit scores

Best guaranteed instant approval credit card with $1,000 limit

Total Visa credit card Apply Now

on Total Visa's secure site
or call (877) 480-6988

Total Visa® Credit Card

3.4

Authority

Rates & Fees

Minimum Deposit
$0
Annual Fee
$48–$75
Regular APR
34.99%
Rewards Rate
N/A
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

The Total Visa® credit 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® charges. So while it can give you immediate funds and instant approval, it may cost you a lot of money in the long run.

Pros & Cons

Pros:

  • No deposit required
  • Reports to three credit bureaus
  • Potential credit limit increase
  • Easy application
  • Instant approval

Cons:

  • High APR
  • Program fee
  • Annual fee
  • Monthly servicing fee

Card Details

  • Issuer: The Bank of Missouri
  • Program fee: $89 (one-time fee)
  • Annual fee: $75 for first year; $48 after that
  • Monthly fee: $0 for first year; $6.25/month after that
  • Regular APR: 34.99% (variable)
  • Cash advance APR: 34.99% (variable)
  • Cash advance fee: $0 for first year, then $10 or 3% (whichever is greater)
  • Initial credit limit: $300
  • Credit limit increase fee: 20% of the amount of increase

Best guaranteed approval cashback credit card with $1,000 limit

Discover It secured credit card Apply Now

on Discover's secure site
or call (800) 347-2683

Discover it® Secured Credit Card

4.8

Authority

Rates & Fees

Minimum Deposit
$200
Annual Fee
$0
Regular APR
24.49% (variable)
Rewards Rate
1% - 2%
Recommended Credit Score
300–850
Poor Fair Good Excellent
300 850

Why It's Great

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.

Pros & Cons

Pros:

  • No annual fee
  • 2% cash back on gas station and restaurants
  • 1% cash back on all other purchases
  • Dollar-for-dollar cashback match after 12 months
  • Free monthly access to FICO score

Cons:

  • High annual percentage rate (APR)
  • Maximum deposit of $2500
  • Rewards rates cap out at $1000 per quarter
  • High penalty fees

Card Details

  • Issuer: Discover
  • Annual fee: $0
  • Regular APR: 23.74% (variable)
  • Credit limit: $200–$2,500
  • Cash advance APR: 25.74% (variable)
  • Balance transfer APR: 10.99%–23.74% (variable)
  • Cash advance fee: $10 or 5% (whichever is greater)
  • Balance transfer fee: 3%–5%
  • Rewards rate: 1%–2%
  • Foreign transaction fee: None
  • Late payment fee: Up to $41

How we rate our credit cards

Finding the right credit card when you have bad credit is tough. That's why we heavily weighted the following factors when determining the best guaranteed approval credit cards with $1,000 limits for bad credit:

  • Qualification requirements
  • Fees
  • Interest rates
  • Credit limits
  • Rewards and bonuses
  • Borrowing terms

These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.

 

Kari Dearie

Editor

View Author

Kari Dearie is an editor for FinanceJar specializing in credit and personal finance. She previously managed a B2B website in the data privacy and digital compliance industry.

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We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews.