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April 2024: Best $500+ Limit Credit Cards from Our Partners

Typically, when you apply for a credit card, your future credit limit depends on your credit score and income. Therefore, people with bad credit or no credit history often get credit cards with low credit limits. However, some issuers disclose initial credit limits for some credit cards, which at least allows applicants to know where they will start. Below we gathered credit cards with a minimum credit limit of $500. Review the offers to see if there is a right card for you.

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Best Offer of April 2024

HIGH CREDIT LIMIT

Rating 4.1

  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
0%
Late Payment Fee
See terms
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere

Get $500 Credit Limit or More to Build Credit

When you have bad credit, your initial credit limit on a credit card can be as low as $200, which is basically the minimum. But not all credit cards offer minimum credit limits. Sometimes you can apply for a credit card with a $500 limit right away even if your credit is bad or you have no credit history at all. In this case, if you are approved, the $500 credit limit is guaranteed.

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our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®

our choice

Up to
3%
Cash Back
Max. Rewards
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 4.1

  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
0%
Late Payment Fee
See terms
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere

our choice

Rating 3.5

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • $750 Limit (Usable only at TheHorizonOutlet.com)

our choice

0%
APR on Purchases
Annual Fee
See website for Details*
Regular APR
0%
Late Payment Fee
See website for Details*
$750
Credit Limit
Security Deposit
No
Credit Line
$750 Unsecured Credit Limit*
Credit Line Increase
See website for Details*
Instant Response
Instant Response
Yes
Card Network
Horizon Card Services
Credit Check
No

our choice

Rating 3.7

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

our choice

Double Your Line
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Credit Check
Yes
Pre-Approval
No
Build Your Credit
Build Credit
Yes
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Card Usage
Use Anywhere
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Apply for Masseys Credit Card - Credit-Land.com APPLY NOW

Excellent / Good / Fair / Bad Credit

our choice

Rating 3.5

  • Buy Now and Pay Later with Masseys Credit
  • Grow your credit with responsible use
  • Masseys Credit Lines Up To $500!
  • No annual fee
  • Payments as little as $5.99 per month
  • Conventient online account access

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
Up to $15.00
$500
Credit Limit
Security Deposit
No
Credit Line
$500
Credit Line Increase
See terms
Instant Response
Instant Response
Yes
Card Network
Masseys®
Credit Check
Yes
Apply for Reflex® Platinum Mastercard® - Credit-Land.com APPLY NOW

Fair/Poor/Bad/Limited Credit

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Double Your Line
Credit Line
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check
Yes
Pre-Approval
See if you’re Pre-Qualified with no impact to your credit score
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

Reflex® Platinum Mastercard®

Fair/Poor/Bad/Limited Credit
Apply for Reflex® Platinum Mastercard® - Credit-Land.com

Rating 3.7

APPLY NOW

Instant Decision Card
TO GET IN April 2024

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
See more details

questionsABOUT CREDIT CARDS
WITH HIGH LIMIT

Can I get a high-limit credit card if my credit is bad?

It's unlikely - but it depends how bad your credit is, and how high a limit you seek. A credit score of less than 600 is subprime, and you will be likely not get approved for more than a few hundred...

Read more
How much credit limit do I qualify for?

Credit limits are determined by credit card issuers depending on your creditworthiness. The higher your credit score, the better chance you have of getting a high credit limit - in the $10,000 to $30,000 range. Issuing...

Read more
What credit cards can people with no credit history apply for?

All major credit card companies run a credit check before approving a credit card application. This makes it difficult for people with no credit history to apply for credit cards like Visa or Master cards. However,...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

high credit limit AND HOW TO GET IT

A higher credit limit is not only an ability to spend more but rather an opportunity to improve your credit utilization ratio. You can't request a credit limit during the application process for a credit card, however, you can increase it over time.

There are several ways to get a higher credit limit:

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01. Apply for a new credit card

If you have no problems with your current credit cards, and you think you will be able to manage one more credit card and stay current with all your credit accounts, you can get a new credit card with a higher credit limit. Even if the credit limit on your new credit cards isn't higher than your current one, it still increases your overall available credit and improves your overall credit utilization.

02. Request a credit limit increase

You can either do it online through your account access or call your card issuer. If you do it online, see if you need to update your income information before you submit a request. If you choose to talk to a representative, be ready to tell the reason for your request as well as provide information about your current income.

03. Automatic increases

Some issuers may increase credit limits automatically in certain time periods. In this case, you only need to make sure you are using your card responsibly and never late with a single payment.


However, be careful with credit limit increase requests. Such a request may result in a hard inquiry on your credit reports, which may lower your credit score by several points. The better time to request an increase is after you've got a pay rise, improved your credit, or have been a responsible cardholder with your issuer.

comments ABOUT
BEST CREDIT CARDS🜂

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