Best Credit Cards up to $1,000

Credit cards in the $1,000 tier frequently come with enticing perks that extend beyond just the credit limit, such as cash back, flexible payment options, and opportunities to build credit.

They generally have fewer requirements, particularly in terms of income, offering better terms without sacrificing quality.

Explore a comprehensive list of top cards with a $1,000 limit.

1. Wells Fargo Reflect Credit Card

The Wells Fargo Reflect Visa Credit Card offers two significant advantages: a 0% introductory APR for 21 months and 120 days for balance transfers, along with a $0 annual fee, which is quite favorable.

With a credit limit firmly set in the $1,000 range, this card is perfect for anyone looking to manage their finances without incurring hefty maintenance fees.

While the Reflect card has more lenient application requirements, you must demonstrate your monthly income and maintain a good credit score, ideally between good and excellent.

Additional perks include up to $600 in protection for your cell phone, zero liability coverage, and access to My Wells Fargo Deals for shopping at select retailers!

Credit Close-Up gives you unique insights to track your FICO score and enhance it. Roadside assistance is also available for emergencies.

The Visa network ensures safe and dependable transactions for your purchases, and you can discover more about the Wells Fargo card.

SEE HOW TO APPLY

2. CapitalOne Quicksilver Rewards

The Capital One Quicksilver card provides 1.5% cashback on every purchase, every day, with various options for redeeming rewards like cash, shopping, or gift cards.

Capital One starts you off with a credit limit of $500, which can grow over time, and offers features like email alerts, balance transfers, and around-the-clock customer service.

This card features no foreign transaction fees, exclusive travel rates, emergency card replacement, and a delightful 50% discount on handcrafted drinks at any Capital One Café nationwide.

It comes with an annual fee of just $39, which is quite a steal considering the perks it provides, including up to 6 months of complimentary Uber One membership, credit access, and fraud protection.

To qualify for this card, you must be at least 18 years old, have a reliable source of income, and possess valid identification.

3. Wells Fargo Active Cash Visa

The Wells Fargo Active Cash Visa is an excellent choice, featuring a credit limit that starts at $1,000 and backed by one of America’s largest banking institutions.

By spending $500 within the first 3 months, you can earn a cash rewards bonus of up to $200, making it one of the top offers available.

With no annual fee, this card grants unlimited 2% rewards on every purchase, with no categories to worry about, plus a 0% APR for the initial 15 months.

Moreover, the card provides up to $600 in cell phone protection, zero liability for unauthorized charges, and assistance while traveling in emergencies.

To be eligible, you should have a stable income and a credit score that falls between good and excellent, and you can find out how to apply.

SEE HOW TO APPLY

4. Prime Visa

The Prime Visa is an excellent credit card option if you’re looking to shop with a top retailer in both the American and global markets.

Operated by Chase Credit Cards, it offers a $100 gift card for Amazon.com, along with 5% back on all purchases made on the site and on Chase Travel.

Moreover, you earn 2% cashback on spending at gas stations, dining establishments, and for local transit.

This card features no annual fee of $0, allowing cashback points to be redeemed on Amazon.com, alongside zero foreign transaction fees. Additional perks include extended warranty coverage, purchase protection, and baggage delay insurance.

Thus, it provides a card that delivers great benefits for daily use, particularly for online purchases.

The Prime Visa offers a starting credit limit of $500, with favorable conditions to achieve a limit of $1,000. Discover how to apply.

SEE HOW TO APPLY

Explore additional options:

CREDIT CARDS UP TO $2,000

CREDIT CARDS UP TO $5,000