Le 3 migliori carte di credito negli Stati Uniti che offrono un limite fino a $700: guida completa e confronto

Choosing the right credit card when you’re starting to build or rebuild your credit is crucial.

Alcune carte offrono limiti di credito fino a $700, il che le rende un'ottima scelta per chi ha un merito creditizio da discreto a buono.

These cards provide not only accessible credit limits but also features like rewards, cashback, and the potential for increased credit limits over time.

In this post, we’ll take a look at three credit cards that may offer an initial limit of up to $700: Carta di credito Capital One QuicksilverOne Cash Rewards, Chase Freedom Flex℠, E Carta di credito Capital One Platinum.

Let’s dive into the details of each card and see how they compare!

1. Carta di credito Capital One QuicksilverOne Cash Rewards

IL Carta di credito Capital One QuicksilverOne Cash Rewards is a popular choice for people looking to build credit while earning cashback on everyday purchases.

It’s specifically designed for those with average credit, and its credit limit typically ranges from $300 to $700, making it an attractive option for those who need an accessible line of credit.

Caratteristiche principali:

• Limite di credito: Initial limits range from $300 to $700, depending on your creditworthiness.
• Ricompense: 1.5% cashback illimitato su tutti gli acquisti, senza limiti a quanto puoi guadagnare.
• Tariffa annuale: $39.
• Creazione di credito: After 6 months of responsible use, you can qualify for a credit line increase, giving you access to more credit.
• Ulteriori vantaggi: No foreign transaction fees, access to Capital One’s CreditWise tool for tracking your credit score.

This card is ideal for individuals with fair credit who are looking for a card that offers rewards on everyday purchases. Despite the $39 annual fee, the cashback rewards and potential for a credit limit increase after 6 months make it a strong contender.

2. Chase Freedom Flex℠

IL Chase Freedom Flex℠ is another excellent option for those looking for a card that offers a high level of rewards and flexible credit limits.

Sebbene il limite di credito iniziale vari in base al profilo creditizio, molti utenti segnalano limiti iniziali compresi tra $500 e $700.

Caratteristiche principali:

• Limite di credito: Varia in base alla cronologia creditizia; Molti nuovi titolari di carta segnalano limiti compresi tra $500 e $700.
• Ricompense:
• Cashback di 5% su categorie trimestrali rotanti (fino a $1.500 in acquisti combinati ogni trimestre).
• Cashback di 5% sui viaggi prenotati tramite Chase Ultimate Rewards.
• Cashback 3% su ristoranti e farmacie.
• 1% su tutti gli altri acquisti.
• Tariffa annuale: Nessuna quota annuale.
• Bonus di iscrizione: Guadagna $200 dopo aver speso $500 entro i primi tre mesi dall'apertura del conto.
• Ulteriori vantaggi: Includes purchase protection, extended warranty, and access to Chase’s robust rewards portal.

The Chase Freedom Flex℠ card stands out for its impressive rewards structure, especially for those who spend in the rotating categories or frequently travel.

If you’re looking for a card that maximizes rewards while also offering a fair credit limit, this is an excellent choice.

3. Carta di credito Capital One Platinum

IL Carta di credito Capital One Platinum is geared toward individuals with average credit who are working on building or improving their credit.

Offre limiti di credito iniziali modesti, solitamente compresi tra 1TP4300 e 1TP4700, e non prevede commissioni annuali, il che la rende un'opzione valida per i titolari di carta attenti al budget.

Caratteristiche principali:

• Limite di credito: Il limite di credito iniziale varia da $300 a $700, con potenziali aumenti dopo un utilizzo responsabile.
• Tariffa annuale: Nessuna quota annuale.
• Creazione di credito: Capital One automatically considers you for a credit limit increase after 6 months of responsible use.
• Ulteriori vantaggi: Accesso a CreditWise, nessuna commissione sulle transazioni estere e copertura antifrode in caso di smarrimento o furto della carta.

While this card doesn’t offer any rewards, it’s an excellent choice for those focused on improving their credit score without the burden of an annual fee.

Its primary benefit is the potential for automatic credit limit increases and access to tools that help you monitor your credit.

Tabella di confronto

Conclusione

When selecting a credit card with an initial credit limit of up to $700, it’s important to consider not only the limit itself but also the rewards, fees, and additional benefits each card offers. Here’s a quick summary of the best features of each card:

• Carta di credito Capital One QuicksilverOne Cash Rewards is perfect for those looking to earn cashback on every purchase. It offers solid rewards with an accessible credit limit, though it does come with a $39 annual fee.
• Chase Freedom Flex℠ offers the most robust rewards program, with high cashback rates in rotating categories and no annual fee. It’s great for those who want to maximize rewards while building credit.
• Carta di credito Capital One Platinum is ideal for those focused solely on building credit without any additional costs. While it doesn’t offer rewards, it has no annual fee and provides opportunities for credit limit increases.

Choosing the right card depends on your financial goals. If you prioritize rewards, Chase Freedom Flex℠ and Capital One QuicksilverOne are excellent choices.

If you’re more focused on improving your credit score with no annual fee, Capital One Platinum is a strong option.

Qualunque sia la tua preferenza, queste carte forniscono una solida base per costruire una cronologia creditizia positiva e godere al contempo di numerosi vantaggi.

Scritto da Gabriele Aggiornato il 24 ottobre 2024