Top 7 Credit Cards With $2,000 Limit Guaranteed Approval

A $2,000 may actually be a good thing when you have a bad credit score. Most of the unsecured cards for customers having subprime credit scores may not be as generous. Anyway, we have brought together a list of the top credit cards with $2,000 limit guaranteed approval.

Additionally, with the purchasing power that a $2,000 credit limit offers, these cards would also give the cardmembers the chance to improve their credit via timely payments. Succeeding at that worthy goal would unlock access to the best of the credit card offerings with a high speed limit. And that is actually pretty good, if you ask.

So, without any more delay, let’s get you some of the best credit cards that you may get your hands on.

How can a person choose Credit Cards With $2,000 Limit Guaranteed Approval? 

You need to look for cards that can help to provide individuals with decent credit scores, if they are having a bad or less than average credit score.  

1. While choosing a credit card, compare annual rates and other associated charges. You can also minimize the cost, by opting for cards that have lower fees and a decent interest rate.  

2. You can evaluate the rewards and benefits, the card is offering, i.e., travel rewards or better credit building features.  Always choose a card that offers you rewards based on your preferences and interests.  

3. You can choose the cards that have the facility to increase the card limit over the time. Higher credit limit can actually help in improving your credit score.  

4. Always look for the credit cards that can offer you better customer service. Do research on how the issuers have responded about the customer service.  Always opt for a card that can offer you great guidance, support and assistance.  

5. Lastly, look for the cards that has better fraud protection and a secure account management. 

Top 7 Credit Cards With $2,000 Limit Guaranteed Approval

If you are looking for credit cards with $2,000 limit, let us help you. Here is the list of top 7 credit cards that would not disappoint you.

Surge Platinum Mastercard

If you are looking for credit cards with a $2,000 limit guaranteed approval, this is the one thing that you would want to get your hands on. The price of admission is a bigger annual fee. It would also charge you a maintenance fee. It is surrendered for the very first year of the card ownership. This encourages the customers to move to a better and less expensive card when their credit score improves.

Naturally, not all the applicants would qualify for the line of maximum credit. The limit would depend on multiple factors that include income, debts, or recent payment history. You may order this Surge card with a premium design for a little extra fee.

Reflex Platinum Mastercard

The Reflex Platinum Mastercard is basically tailored for individuals who are looking for Credit Cards With $2,000 Limit Guaranteed Approval, and scope to establish their credit. 

The major benefit of Reflex Platinum Mastercard is that it helps you to select the credit limit based on your needs as well as financial situation. The application process is also easy, making it convenient for the users to build their credit. 

The only difference that you would have to come across is the lack of premium design options. It is literally a twin for Surge. It, too, may offer you a credit limit that is up to $2,000 after you are done with six months of regular payments.

The card would let you take a cash advance 95 days after you open the account. You would require a bank account to qualify for the Reflex card.

Unlike other cards, the Reflex Platinum Mastercard charges you annual fees, which solely depends on the credit limit. The annual percentage rate or APR also varies based purchases.

First Progress Platinum Select Mastercard

This card is one of the three most secured cards that you can get from the issuer. It would accept refundable deposits from $200 to $2,000, which completely secures the credit line.

This secured Mastercard offers a grace period within which the purchases will not bear any interest when you pay them off before the due date. It would not need any minimum credit score for approval and report the repayments to all three credit bureaus.

First Progress Platinum Prestige Mastercard

This card comes with the highest annual fee and the lowest APR when it comes to the First Progress trio of secured cards. The low APR makes this card the card of choice of the trio when you are planning to finance the purchases over a number of months.

Each of the first progress cards comes with different fees and rates. Therefore, you need to make sure that you take a good look over the cardholder agreements to decide which would be a better suit to your wants.

Opensky Secured Visa Credit Card 

The maximum deposit that you get with this card is $3,000. The credit card limit would be the same as the amount you put down. However, you need to remember that you may get the money after you use the account responsibly over a given time period. This card is the best for the customers who have poor credit as OpenSky would not check credit and gives approval to 85% of all the applicants.

The annual fee and the APR of the card are pretty competitive. The bank would report the three main credit bureaus that would help you build credit history.

First Latitude Platinum Mastercard 

You may deposit approximately $2,000 to First Latitude Platinum Mastercard to get equal spending limit. This card would pay cash back on all eligible purchases and report your account to each of the three credit bureaus. This would help you build credit along with responsible use.

You may avoid the purchase of the card APR by paying the whole balance via each billing cycle.

There is no need for a minimum credit history for the approval. You may get a second, unsecured card if you keep paying timely bills for six straight months. This card would charge you with a small and one time setup fee along with an annual fee.

Applied Bank Secured Visa Gold Preferred 

As time passes, this card would allow you with a maximum credit limit of $5,000. The card has a deceivingly low fixed rate of interest. However, it does not offer you with an interest free grace period. This means it would charge you with an interest on each of your purchases that you do not pay on the very same day.

You may manage the card account online or through the mobile application of the bank. It uses the embedded chip technology for better protection and security when you get to make purchases at any of the merchant terminals that enables chip. This card would not need any hard credit for its approval.

Capital One Platinum Credit Card 

The Capital One Platinum Credit Card is one of the most popular choices. If you are looking for Credit cards with a $2000 limit guaranteed approval, this card can be a great option. Want to know why?  

The card doesn?t need an annual fee if you are trying to use it. The Capital One cards also allow you to monitor and improve your card access to CreditWise.  

One of the many perks of using the Capital One Platinum Credit Card is that you will not pay an additional fee if you use the card outside the USA. On top of that, your creditworthiness will determine the annual percentage rate or APR for barnacle transfer and purchases.        

Capital One Quicksilver Secured Cash Rewards Credit Card 

The Capital One Quicksilver Secured Cash Rewards Credit Card also falls under the Credit cards with a $2000 limit guaranteed approval. This credit card has several benefits, such as the ability to earn a 1.5% cashback on every purchase.  

The cardholders also do not need to pay the annual fee. They can simply enjoy the cash rewards without the annual fee.  

However, the Capital One Quicksilver Secured Cash Rewards Credit Card might require you to pay for the security deposit and APRs, higher than other cards.  

But, the card doesn?t charge you anything additional if you make a purchase outside the United States.       

What Do We Mean By A Bad Credit? 

Every issuer would consider that you have a bad credit if you have a FICO credit score that is less than 580 under the 300 to 850 range. Bad credit mainly happens when you make credit mistakes such as:

• Collections
• Paying late by more than 30 days
• Written off and defaulted accounts
• Big amounts of debt, which is relative to income
• Settlements
• Repossessions
• Bankruptcies
• Foreclosures

The Bottom Line 

There are only a handful of unsecured credit cards that would offer you a $2,000 credit score. However, you would need a lot more luck when it comes to the secured credit cards. Even then, they may not allow the subprime customers to make deposits of $2,000 or more.

It takes timely payments for six months of two reviewed unsecured cards and offers a limit of $2,000.

Keeping the unpaid balances certainly small may be helpful as it hints that you can, in fact, successfully manage the debts.

Secured cards, on the other hand, are simple to access. Plus, they are cheaper. You need to deposit equal amounts to the credit limit. That deposit is, in fact, refundable. Secured cards come with a low annual fees and APR in comparison to unsecured cards. Also, you would never have to pay maintenance fees.

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