15 Best Credit Cards With $2000 Limit Guaranteed Approval in 2024

If you have a low credit score or a limited credit history, you might find it hard to get approved for a credit card with a high credit limit. But that doesn’t mean you have to settle for a card with a low limit and high fees. There are plenty of credit cards that offer a $2000 limit with guaranteed approval, even if you have bad credit or no credit at all.

A $2000 limit credit card can help you build or rebuild your credit, as long as you use it responsibly and pay your bills on time. It can also give you some financial flexibility and convenience, especially if you need to make a large purchase or cover an emergency expense.

But not all $2000 limit credit cards are created equal. Some have lower interest rates, better rewards, or more benefits than others. Some have no annual fee, while others charge a hefty one. Some have no foreign transaction fee, while others charge a high one. Some have a grace period, while others start charging interest right away.

To help you find the best credit card for your situation, we have compiled a list of 15 best credit cards with $2000 limit guaranteed approval in 2024. These cards are designed for people with low or no credit, and they have features that can help you improve your credit score and save money. We have also included some tips on how to use your credit card wisely and avoid common pitfalls.

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What to Expect from the Credit Cards With $2000 Limit Guaranteed Approval?

Before diving into the list, let’s understand what makes these credit cards stand out. The best Credit Cards With $2000 Limit Guaranteed Approval in 2024 offer a range of features that cater to different financial needs. Here’s what you can typically expect:

  1. Guaranteed Approval: These credit cards are designed to be accessible, making approval a breeze, even if you have a less-than-perfect credit history.
  2. Minimum $2000 Limit: The primary attraction is the minimum credit limit of $2000, providing you with the purchasing power you need for various expenses.
  3. Building Credit: Many of these cards are ideal for individuals looking to build or rebuild their credit score. Responsible use can contribute to a positive credit history.
  4. Additional Benefits: Beyond the $2000 limit, these cards may offer rewards, cashback, or other perks, enhancing your overall financial experience.

Now, let’s delve into the list of the 15 best credit cards with a guaranteed $2000 limit in 2024.

The answer to 15 Best Credit Cards With $2000 Limit Guaranteed Approval in 2024 is:

  1. Capital One Platinum Credit Card
  2. Discover it Secured Credit Card
  3. Credit One Bank Platinum Visa
  4. Indigo Platinum Mastercard
  5. Milestone Gold Mastercard
  6. First Progress Platinum Elite Mastercard Secured Credit Card
  7. OpenSky Secured Visa Credit Card
  8. Reflex Mastercard
  9. Surge Mastercard
  10. Total Visa Credit Card
  11. Destiny Mastercard
  12. First Access Visa Credit Card
  13. FIT Mastercard
  14. Jasper Mastercard
  15. Petal 2 Visa Credit Card

We will explain each of these 15 best Credit Cards With $2000 Limit Guaranteed Approval in detail below, along with their pros and cons, eligibility criteria, and application process.

15 Best Credit Cards With $2000 Limit Guaranteed Approval

1. Capital One Platinum Credit Card

The Capital One Platinum Credit Card is a simple and straightforward card that offers a $2000 credit limit with no annual fee. It also has no foreign transaction fee, which makes it a good choice for travelers. The card reports to all three major credit bureaus, which can help you build your credit over time. You can also access your credit score and credit report for free through Capital One’s CreditWise service. The card has a high APR of 26.99%, so you should pay your balance in full every month to avoid interest charges. The card also has no rewards program, which means you won’t earn any cash back or points on your purchases.

Pros:

  • No annual fee
  • No foreign transaction fee
  • Reports to all three credit bureaus
  • Free credit score and report access

Cons:

  • High APR
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get an instant decision in most cases
  • If approved, you will receive your card in 7 to 10 business days

2.Discover it Secured Credit Card – Credit Cards With $2000 Limit Guaranteed Approval

The Discover it Secured Credit Card is a secured card that requires a refundable security deposit of at least $200 to open an account. The amount of your deposit will determine your credit limit, up to a maximum of $2500. The card has no annual fee, no foreign transaction fee, and a low APR of 22.99%. The card also offers a generous rewards program that gives you 2% cash back on gas and restaurant purchases, up to $1000 per quarter, and 1% cash back on all other purchases. You can also get a dollar-for-dollar match of all the cash back you earn at the end of your first year. The card reports to all three credit bureaus, and you can monitor your credit score and report for free through Discover’s Credit Scorecard service. The card also has a feature that allows you to upgrade to an unsecured card after 8 months of responsible use, which means you can get your deposit back and enjoy a higher credit limit.

Pros:

  • No annual fee
  • No foreign transaction fee
  • Low APR
  • Rewards program
  • Cash back match
  • Reports to all three credit bureaus
  • Free credit score and report access
  • Upgrade to unsecured card

Cons:

  • Requires a security deposit
  • Limited acceptance outside the US

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or no credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will need to make a security deposit of at least $200
  • You will get an instant decision in most cases
  • If approved, you will receive your card in 7 to 10 business days

3. Credit One Bank Platinum Visa – Credit Cards With $2000 Limit Guaranteed Approval

The Credit One Bank Platinum Visa is an unsecured card that offers a $2000 credit limit with no security deposit. The card has an annual fee that ranges from $0 to $99, depending on your creditworthiness. The card also has a high APR of 23.99% to 25.99%, and a 3% foreign transaction fee. The card has a rewards program that gives you 1% cash back on eligible purchases, such as gas, groceries, dining, and more. The card reports to all three credit bureaus, and you can check your credit score for free through Credit One Bank’s website. The card also has some benefits, such as fraud protection, travel accident insurance, and roadside assistance.

Pros:

  • No security deposit
  • Rewards program
  • Reports to all three credit bureaus
  • Free credit score access
  • Some benefits

Cons:

  • Annual fee
  • High APR
  • Foreign transaction fee

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get a pre-qualification offer in minutes, without affecting your credit score
  • If pre-qualified, you will need to complete the full application and agree to the terms and conditions
  • You will get a final decision in 7 to 10 business days
  • If approved, you will receive your card in 7 to 10 business days

4. Indigo Platinum Mastercard – Credit Cards With $2000 Limit Guaranteed Approval

The Indigo Platinum Mastercard is an unsecured card that offers a $2000 credit limit with no security deposit. The card has an annual fee that ranges from $0 to $99, depending on your creditworthiness. The card also has a high APR of 24.9%, and a 1% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you improve your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • No security deposit
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • Annual fee
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get a pre-qualification offer in minutes, without affecting your credit score
  • If pre-qualified, you will need to complete the full application and agree to the terms and conditions
  • You will get a final decision in 7 to 10 business days
  • If approved, you will receive your card in 7 to 10 business days

5. Milestone Gold Mastercard

The Milestone Gold Mastercard is an unsecured card that offers a $2000 credit limit with no security deposit. The card has an annual fee that ranges from $35 to $99, depending on your creditworthiness. The card also has a high APR of 24.9%, and a 1% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you build your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • No security deposit
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • Annual fee
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get a pre-qualification offer in minutes, without affecting your credit score
  • If pre-qualified, you will need to complete the full application and agree to the terms and conditions
  • You will get a final decision in 7 to 10 business days
  • If approved, you will receive your card in 7 to 10 business days

6. First Progress Platinum Elite Mastercard Secured Credit Card – Credit Cards With $2000 Limit Guaranteed Approval

The First Progress Platinum Elite Mastercard Secured Credit Card is a secured card that requires a refundable security deposit of at least $200 to open an account. The amount of your deposit will determine your credit limit, up to a maximum of $2000. The card has a low annual fee of $29, but a high APR of 19.99%. The card also has a 3% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you improve your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • Low annual fee
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • Requires a security deposit
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or no credit score

Application:

  • You can apply online or by mail
  • You will need to provide your personal information, income, and bank account details
  • You will need to make a security deposit of at least $200
  • You will get a decision in 2 to 4 weeks
  • If approved, you will receive your card in 7 to 10 business days

7.  OpenSky Secured Visa Credit Card – Credit Cards With $2000 Limit Guaranteed Approval

The OpenSky Secured Visa Credit Card is a secured card that requires a refundable security deposit of at least $200 to open an account. The amount of your deposit will determine your credit limit, up to a maximum of $2000. The card has an annual fee of $35, but a low APR of 17.39%. The card also has a 3% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you boost your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • Low APR
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • Requires a security deposit
  • Annual fee
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or no credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will need to make a security deposit of at least $200
  • You will get a decision in 2 to 4 weeks
  • If approved, you will receive your card in 7 to 10 business days

8. Reflex Mastercard – Credit Cards With $2000 Limit Guaranteed Approval

The Reflex Mastercard is an unsecured card that offers a $2000 credit limit with no security deposit. The card has a high annual fee of $75 for the first year and $99 thereafter. The card also has a high APR of 25.9% to 29.99%, and a 3% foreign transaction fee. The card has a rewards program that gives you 1% cash back on eligible purchases, such as gas, groceries, dining, and more. The card reports to all three credit bureaus, and you can check your credit score for free through Reflex’s website. The card also has some benefits, such as fraud protection, travel accident insurance, and roadside assistance.

Pros:

  • No security deposit
  • Rewards program
  • Reports to all three credit bureaus
  • Free credit score access
  • Some benefits

Cons:

  • High annual fee
  • High APR
  • Foreign transaction fee

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get a pre-qualification offer in minutes, without affecting your credit score
  • If pre-qualified, you will need to complete the full application and agree to the terms and conditions
  • You will get a final decision in 7 to 10 business days
  • If approved, you will receive your card in 7 to 10 business days

9. Surge Mastercard

The Surge Mastercard is an unsecured card that offers a $2000 credit limit with no security deposit. The card has a high annual fee of $75 for the first year and $99 thereafter. The card also has a high APR of 25.9% to 29.99%, and a 3% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, and you can check your credit score for free through Surge’s website. The card also has some benefits, such as fraud protection, travel accident insurance, and roadside assistance.

Pros:

  • No security deposit
  • Reports to all three credit bureaus
  • Free credit score access
  • Some benefits

Cons:

  • High annual fee
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get a pre-qualification offer in minutes, without affecting your credit score
  • If pre-qualified, you will need to complete the full application and agree to the terms and conditions
  • You will get a final decision in 7 to 10 business days
  • If approved, you will receive your card in 7 to 10 business days

10. Total Visa Credit Card

The Total Visa Credit Card is an unsecured card that offers a $2000 credit limit with no security deposit. The card has a high annual fee of $75 for the first year and $48 thereafter. The card also has a high APR of 34.99%, and a 3% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you improve your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • No security deposit
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • High annual fee
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will need to pay a one-time program fee of $89
  • You will get an instant decision in most cases
  • If approved, you will receive your card in 7 to 10 business days

11. Destiny Mastercard

The Destiny Mastercard is an unsecured card that offers a $2000 credit limit with no security deposit. The card has a high annual fee of $59 to $99, depending on your creditworthiness. The card also has a high APR of 24.9%, and a 1% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you build your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • No security deposit
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • High annual fee
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get a pre-qualification offer in minutes, without affecting your credit score
  • If pre-qualified, you will need to complete the full application and agree to the terms and conditions
  • You will get a final decision in 7 to 10 business days
  • If approved, you will receive your card in 7 to 10 business days

12. First Access Visa Credit Card – Credit Cards With $2000 Limit Guaranteed Approval

The First Access Visa Credit Card is an unsecured card that offers a $2000 credit limit with no security deposit. The card has a high annual fee of $75 for the first year and $48 thereafter. The card also has a high APR of 34.99%, and a 3% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you improve your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • No security deposit
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • High annual fee
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will need to pay a one-time program fee of $89
  • You will get an instant decision in most cases
  • If approved, you will receive your card in 7 to 10 business days

13. FIT Mastercard

The FIT Mastercard is an unsecured card that offers a $2000 credit limit with no security deposit. The card has a high annual fee of $99. The card also has a high APR of 29.99%, and a 3% foreign transaction fee. The card has no rewards program, which means you won’t earn any cash back or points on your purchases. The card reports to all three credit bureaus, which can help you boost your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and roadside assistance.

Pros:

  • No security deposit
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • High annual fee
  • High APR
  • Foreign transaction fee
  • No rewards program

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a low or fair credit score

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get a pre-qualification offer in minutes, without affecting your credit score
  • If pre-qualified, you will need to complete the full application and agree to the terms and conditions
  • You will get a final decision in 7 to 10 business days
  • If approved, you will receive your card in 7 to 10 business days

14. Jasper Mastercard

The Jasper Mastercard is an unsecured card that offers a $2000 credit limit with no security deposit. The card has no annual fee, but a high APR of 15.49% to 24.99%, depending on your creditworthiness. The card also has a 3% foreign transaction fee. The card has a rewards program that gives you 1% cash back on all purchases, which can increase to 6% if you refer friends and family to the card. The card reports to all three credit bureaus, which can help you improve your credit over time. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • No security deposit
  • No annual fee
  • Rewards program
  • Reports to all three credit bureaus
  • Some benefits

Cons:

  • High APR
  • Foreign transaction fee

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a fair or good credit score, or no credit history

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get an instant decision in most cases
  • If approved, you will receive your card in 7 to 10 business days

15. Petal 2 Visa Credit Card

The Petal 2 Visa Credit Card is an unsecured card that offers a $2000 credit limit with no security deposit. The card has no annual fee, no foreign transaction fee, and a low APR of 12.99% to 26.99%, depending on your creditworthiness. The card also offers a rewards program that gives you up to 1.5% cash back on all purchases, depending on your payment history. The card reports to all three credit bureaus, and you can access your credit score and report for free through Petal’s app. The card also has some benefits, such as fraud protection, travel assistance, and rental car insurance.

Pros:

  • No security deposit
  • No annual fee
  • No foreign transaction fee
  • Low APR
  • Rewards program
  • Reports to all three credit bureaus
  • Free credit score and report access
  • Some benefits

Cons:

  • None

Eligibility:

  • You must be at least 18 years old
  • You must have a valid Social Security number
  • You must have a bank account
  • You must have a fair or good credit score, or no credit history

Application:

  • You can apply online or by phone
  • You will need to provide your personal information, income, and bank account details
  • You will get an instant decision in most cases
  • If approved, you will receive your card in 7 to 10 business days

Credit Cards With $2000 Limit Guaranteed Approval – How Can You Secure Approval?

Securing guaranteed approval for credit cards with a $2000 limit in 2024 comes down to understanding your financial situation and making informed choices. Here are actionable steps to ensure your success:

  1. Know Your Credit Score: Before applying for any credit card, check your credit score. Understanding your creditworthiness empowers you to choose the right card for your financial situation.
  2. Choose Wisely: Different cards cater to different needs. Whether you’re focused on rewards, no annual fees, or building credit, choose a card that aligns with your goals.
  3. Review Terms and Conditions: Thoroughly review the terms and conditions of each card. Pay attention to interest rates, fees, and any introductory offers that may sway your decision.
  4. Apply Strategically: Apply for credit cards that match your credit profile. Applying for multiple cards simultaneously can negatively impact your credit score.
  5. Build a Positive Credit History: Once approved, use your credit responsibly. Make timely payments, keep balances low, and avoid maxing out your credit limit to build a positive credit history.

FAQs: Credit Cards With $2000 Limit Guaranteed Approval

Q: What is a $2000 limit credit card?

A: A $2000 limit credit card is a credit card that offers a maximum credit limit of $2000, which means you can spend up to $2000 on your card before you have to pay it back.

Q: What is guaranteed approval?

A: Guaranteed approval means that you will be approved for a credit card regardless of your credit score or history, as long as you meet the basic eligibility criteria, such as being 18 years old, having a valid Social Security number, and having a bank account.

Q: How can I get a $2000 limit credit card with bad credit or no credit?

A: You can get a $2000 limit credit card with bad credit or no credit by applying for one of the cards on our list, such as the Capital One Platinum Credit Card, the Discover it Secured Credit Card, the Credit One Bank Platinum Visa, or the Petal 2 Visa Credit Card. These cards are designed for people with low or no credit, and they have features that can help you improve your credit score and save money.

Q: How can I use a $2000 limit credit card to improve my credit score?

A: You can use a $2000 limit credit card to improve your credit score by following these tips:

  • Pay your balance in full every month to avoid interest charges and late fees
  • Keep your credit utilization ratio below 30%, which means you should not spend more than $600 on your card at any given time
  • Make your payments on time and never miss a due date
  • Monitor your credit score and report regularly and dispute any errors or inaccuracies
  • Avoid applying for too many credit cards or loans in a short period of time, as this can lower your credit score and increase your debt

Q: What are the benefits of having a $2000 limit credit card?

A: Some of the benefits of having a $2000 limit credit card are:

  • You can make larger purchases or cover unexpected expenses without worrying about exceeding your limit
  • You can earn rewards, such as cash back or points, on your purchases, depending on the card you choose
  • You can enjoy some perks, such as fraud protection, travel assistance, and rental car insurance, depending on the card you choose
  • You can improve your credit score and history by using your card responsibly and paying your bills on time

Q: What are the drawbacks of having a $2000 limit credit card?

A: Some of the drawbacks of having a $2000 limit credit card are:

  • You may have to pay an annual fee, a foreign transaction fee, or a one-time program fee, depending on the card you choose
  • You may have to pay a high interest rate, which can add up quickly if you carry a balance on your card
  • You may have to make a security deposit, which can reduce your available funds, if you choose a secured card
  • You may be tempted to overspend or misuse your card, which can hurt your credit score and lead to debt problems

Conclusion: Credit Cards With $2000 Limit Guaranteed Approval

As you can see, there are many credit cards that offer a $2000 limit with guaranteed approval in 2024, even if you have bad credit or no credit at all. These Credit Cards With $2000 Limit Guaranteed Approval can help you build or rebuild your credit, as well as provide you with some financial flexibility and convenience. However, not all of these cards are equally beneficial, and some have higher fees, interest rates, or other drawbacks than others. Therefore, you should compare the features, pros, and cons of each card before applying for one. You should also use your credit card responsibly and pay your bills on time to avoid damaging your credit score and paying unnecessary charges. We hope this article has helped you find the best credit card for your needs and goals. If you have any questions or feedback, please feel free to leave a comment below. Thank you for reading and happy shopping!