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Chip Lupo, Credit Card Writer
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a $3,000 credit limit is good if you have fair, limited or bad credit, as cards in those categories have low minimum limits. The average credit card limit overall is around $13,000, but you typically need above-average credit, a high income and little to no existing debt to get a limit that high.
Best Credit Cards for a $3,000 Limit
No Annual Fee:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website- No Deposit:Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
- Cash Back:Upgrade Triple Cash Rewards Visa®Upgrade Triple Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Limited Credit:Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn More
- Amazon Purchases:Amazon Store CardAmazon Store CardLearn MoreLearn More
- Students:Chase Freedom® Student credit cardChase Freedom® Student credit cardLearn MoreLearn More
Note: These credit cards have the potential to offer $3,000 credit limits, but that amount is not guaranteed.
High limit credit cards tend to be available to people with good or excellent credit. However, even having a credit card with a relatively low credit limit is helpful for your credit score, as long as you use the account responsibly. Plus, after six months or more of on-time payments, you can generally ask for a credit limit increase.
This answer was first published on 10/11/22 and it was last updated on 05/17/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
- No Annual Fee:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- No Deposit:Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
- Cash Back:Upgrade Triple Cash Rewards Visa®Upgrade Triple Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Limited Credit:Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn More
- Amazon Purchases:Amazon Store CardAmazon Store CardLearn MoreLearn More
- Students:Chase Freedom® Student credit cardChase Freedom® Student credit cardLearn MoreLearn More
Note: These credit cards have the potential to offer $3,000 credit limits, but that amount is not guaranteed.
High limit credit cards tend to be available to people with good or excellent credit. However, even having a credit card with a relatively low credit limit is helpful for your credit score, as long as you use the account responsibly. Plus, after six months or more of on-time payments, you can generally ask for a credit limit increase.
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Popular Credit Cards
-
Low Intro APR & Bonus Rewards:
Chase Freedom Unlimited®
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-
Everyday Cash Back:
Wells Fargo Active Cash® Card
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-
Good Credit:
Blue Cash Preferred® Card from American Express
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-
0% Intro APR:
Wells Fargo Reflect® Card
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People also ask
What's a good credit card with a $3,000 limit to start?
The best credit card with a $3,000 credit limit is Chase Sapphire Preferred® Card. Its minimum limit is actually $5,000, so you’ll get more than $3,000 if you’re approved. Chase Sapphire Preferred does require at least good credit to qualify. There’s a $95 annual fee. In addition, Chase Sapphire Preferred gives 1 - 5 points per $1spent on purchases. And it offers a bonus of 75,000 bonus points for spending $4,000 in the first 3 months.
It’s not typical for a credit card to have a $3,000 minimum credit limit, even when it comes to good...
read full answer
What is a good credit limit?
A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt.
What qualifies as a good credit limit differs from person to person, though. For someone with no credit, for example, a $500 credit limit is good because most beginner credit cards start off with...
read full answer
Are there any credit cards for bad credit with a $3,000 limit?
The best credit card for bad credit with a $3,000 limit is the U.S. Bank Secured Visa® Card. With this card, it is possible to place a $3,000 deposit, which will serve as your credit limit. The minimum deposit is $300. The U.S. Bank Secured Visa® Card also comes with a $0 annual fee.
What You Should Know About High Credit Limits for Bad Credit
- The only way to get a $3,000 limit with bad credit is to place a...
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Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
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WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Petal® 2 Visa® Credit Card, Chase Freedom® Student credit card, Amazon Store Card, U.S. Bank Secured Visa® Card, and OppFi® Card.
Popular Credit Cards
-
Low Intro APR & Bonus Rewards:
Chase Freedom Unlimited®
LEARN MORE
-
Everyday Cash Back:
Wells Fargo Active Cash® Card
LEARN MORE
-
Good Credit:
Blue Cash Preferred® Card from American Express
LEARN MORE
-
0% Intro APR:
Wells Fargo Reflect® Card
LEARN MORE
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Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Petal® 2 Visa® Credit Card, Chase Freedom® Student credit card, Amazon Store Card, U.S. Bank Secured Visa® Card, and OppFi® Card.
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