Top low credit line credit cards with cashback rewards in 2023

Are you looking for a credit card with a low credit line and cashback rewards? Look no further! Here are the top low credit line credit cards with cashback rewards for 2023:

• Discover it Secured Credit Card: This secured credit card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, as well as unlimited 1% cash back on all other purchases. There is no annual fee, and you can get your security deposit back after 8 months of responsible card use.

• Capital One QuicksilverOne Cash Rewards Credit Card: This credit card for fair credit offers 1.5% cash back on every purchase, with no annual fee. It also comes with a free credit score monitoring service and a higher credit line after 5 months of responsible use.

• Bank of America Cash Rewards Credit Card for Students: This credit card is specifically designed for students and offers 3% cash back on gas and 2% at grocery stores and wholesale clubs (up to $2,500 in combined purchases each quarter) and 1% on all other purchases. There is no annual fee and no foreign transaction fees.

• Citi Double Cash Card: This credit card offers 2% cash back on all purchases: 1% when you buy and 1% when you pay. It has no annual fee, but there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

• Wells Fargo Cash Wise Visa Card: This credit card offers 1.5% cash back on all purchases, as well as a $150 cash rewards bonus after spending $500 in the first 3 months. There is no annual fee and no foreign transaction fees.

Before applying for any credit card, it's important to carefully read the terms and conditions to understand the fees and requirements. Choose the card that best meets your needs and use it responsibly to build your credit and earn cashback rewards.

The Best Low Credit Line Credit Cards with Cashback Rewards in 2023

Are you looking for a top low credit line credit card with cashback rewards in 2023? If so, you've come to the right place. In this blog post, we'll take a look at the best low credit line credit cards with cashback rewards in 2023. We'll look at the features, benefits, and rewards of each card, and how they compare to other credit cards available today. With the right card, you can enjoy the convenience of cashback rewards while also keeping your credit line low. Keep reading to learn more about the top low credit line credit cards with cashback rewards in 2023.

Discover it® Secured

The Discover it Secured Credit Card is a secured credit card that is designed for individuals with limited or damaged credit. It requires a security deposit, which becomes your credit line, and offers cash back rewards on purchases.

• Some benefits of the Discover it Secured Credit Card include:

• 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, as well as unlimited 1% cash back on all other purchases.

• No annual fee.

• Your security deposit is refundable after 8 months of responsible card use.

• A credit line increase is possible after 5 months of responsible use.

• Free FICO credit score on statements and online.

• Fraud protection: Discover will never hold you responsible for unauthorized charges on your account.

Before applying for the Discover it Secured Credit Card, it's important to understand that it is a secured credit card, which means you will need to provide a security deposit. The deposit will become your credit line, and you will need to pay a higher interest rate compared to unsecured credit cards. However, if you use the card responsibly and make on-time payments, it can help you build or rebuild your credit.

The Discover it® Secured is a great choice for those with bad or no credit history. This card features rewards and benefits that can help build up your credit score. The Discover it® Secured offers an initial credit line of at least $200, depending on your security deposit amount. You'll earn cash back on every purchase, with 2% cash back at gas stations and restaurants up to $1,000 in combined purchases each quarter. Plus, you'll get 1% unlimited cash back on all other purchases. The card has no annual fee and includes other benefits such as free Social Security number alerts and access to a free FICO score each month. To top it off, after 8 months of timely payments, Discover will automatically review your account for a possible upgrade to an unsecured card.

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Citi® Double Cash Card

The Citi Double Cash Card is a credit card that offers cash back on purchases. It allows you to earn 2% cash back: 1% when you buy and 1% when you pay. There is no annual fee for this card.

Some other features of the Citi Double Cash Card include:

• No annual fee.

• 0% intro APR on balance transfers for the first 18 months (then, a variable APR of 13.99% - 23.99% applies).

• A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

• Fraud protection: Citi will never hold you responsible for unauthorized charges on your account.

• A personal concierge service to help with travel, dining, and entertainment reservations.

• A variety of ways to redeem cash back, including statement credits, checks, and gift cards.

Before applying for the Citi Double Cash Card, it's important to consider whether the cash back rewards and other features of the card align with your spending habits and financial goals. It's also important to understand the balance transfer fee and the interest rate, as these can affect the overall cost of using the card. As with any credit card, it's important to use the Citi Double Cash Card responsibly and make on-time payments to avoid accruing debt and damaging your credit.

The Citi® Double Cash Card is a great option for those looking for a low credit line with cashback rewards. This card is designed to help consumers build their credit while earning rewards along the way. With this card, you can earn up to 2% cash back on all purchases – 1% when you make a purchase and an additional 1% when you pay it off. There are no annual fees, no balance transfer fees, and no foreign transaction fees. The Citi® Double Cash Card also offers an introductory APR of 0% for 15 months on balance transfers and purchases.

In addition to the rewards, the Citi® Double Cash Card provides helpful features such as Citi® Identity Theft Solutions, extended warranty protection, and purchase protection. It also comes with access to Citi® Private Pass®, which offers special access to presale tickets and VIP experiences. 

All in all, the Citi® Double Cash Card is a great choice for those looking for a low credit line with generous cashback rewards. With its rewards, features, and convenience, the Citi® Double Cash Card makes it easy for you to build your credit and earn cash back at the same time.

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Capital One® Platinum Credit Card

The Capital One Platinum Credit Card is a credit card for individuals with fair credit. It has no annual fee and offers features such as a free credit score monitoring service and a higher credit line after 5 months of responsible use.

Some other features of the Capital One Platinum Credit Card include:

• No annual fee.

• 0% intro APR on purchases for the first 6 months (then, a variable APR of 26.99% applies).

• No foreign transaction fees.

• Fraud protection: Capital One will never hold you responsible for unauthorized charges on your account.

• A personal credit line increase is possible after 5 months of responsible use.

• A free credit score monitoring service to help you track your credit.

Before applying for the Capital One Platinum Credit Card, it's important to consider whether the credit score monitoring service and other features of the card align with your financial goals. It's also important to understand the interest rate, as this can affect the overall cost of using the card. As with any credit card, it's important to use the Capital One Platinum Credit Card responsibly and make on-time payments to avoid accruing debt and damaging your credit.

The Capital One® Platinum Credit Card is one of the top low credit line cards with cashback rewards in 2023. This card offers a 0% introductory APR on purchases and balance transfers for 15 months, making it a great choice for those who need to pay off existing debt or finance a large purchase. Additionally, you can get access to a higher credit line after making your first five payments on time.

The Capital One® Platinum Credit Card also offers a cashback program, where you can earn 1% cash back on all purchases. This is a great way to save money on your everyday purchases, and if you pay your balance in full each month you won’t have to worry about paying any interest charges.

If you’re looking for an easy way to build or rebuild your credit, the Capital One® Platinum Credit Card is a great choice. You can get access to a higher credit line with responsible use, and the cashback rewards make it a great way to save money while building your credit score.

Apply Nowfor the nRewards® Secured card

Wells Fargo Platinum Visa® Card

The Wells Fargo Platinum Visa Card is a credit card that offers a 0% intro APR on purchases and balance transfers for the first 18 months (then, a variable APR of 16.24% - 26.24% applies). It also has no annual fee and no foreign transaction fees.

Some other features of the Wells Fargo Platinum Visa Card include:

• 0% intro APR on purchases and balance transfers for the first 18 months (then, a variable APR of 16.24% - 26.24% applies).

• No annual fee.

• No foreign transaction fees.

• Fraud protection: Wells Fargo will never hold you responsible for unauthorized charges on your account.

• Mobile app to manage your account and make payments.

• 24/7 customer service.

Before applying for the Wells Fargo Platinum Visa Card, it's important to consider whether the 0% intro APR on purchases and balance transfers and other features of the card align with your financial goals. It's also important to understand the interest rate and fees, as these can affect the overall cost of using the card. As with any credit card, it's important to use the Wells Fargo Platinum Visa Card responsibly and make on-time payments to avoid accruing debt and damaging your credit.

The Wells Fargo Platinum Visa® Card is one of the top low credit line credit cards with cashback rewards in 2023. With no annual fee and a low interest rate, this card offers a great opportunity for users to save on their everyday purchases.

The Wells Fargo Platinum Visa® Card offers up to 1.5% cash back on all net purchases, including gas, groceries, and purchases at select stores. Plus, there are additional bonus rewards that can be earned for specific categories, such as dining and travel. The bonus rewards are typically tiered based on how much you spend, so you can earn even more rewards when you spend more. 

This card also has an introductory APR of 0% on purchases and balance transfers for the first 12 months after account opening. After that, the variable APR will be 14.49%-24.99% depending on your creditworthiness. There is also no foreign transaction fee when you use your Wells Fargo Platinum Visa® Card abroad.

For added convenience, this card comes with a range of digital tools that allow you to view transactions, track spending, set spending limits, and manage your account online. You’ll also receive text and email alerts whenever you make a purchase or if your account balance goes low. 

Overall, the Wells Fargo Platinum Visa® Card is a great option for those looking for a low-credit line credit card with cashback rewards in 2023. With its low fees and generous rewards structure, this card is sure to help you maximize your savings on everyday purchases.

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USAA® Rate Advantage Platinum Visa® Card

The USAA Rate Advantage Platinum Visa Card is a credit card that offers a 0% intro APR on balance transfers for the first 12 months (then, a variable APR of 10.65% - 20.65% applies). It has no annual fee and no foreign transaction fees.

Some other features of the USAA Rate Advantage Platinum Visa Card include:

• 0% intro APR on balance transfers for the first 12 months (then, a variable APR of 10.65% - 20.65% applies).

• No annual fee.

• No foreign transaction fees.

• Fraud protection: USAA will never hold you responsible for unauthorized charges on your account.

• Mobile app to manage your account and make payments.

• 24/7 customer service.

Before applying for the USAA Rate Advantage Platinum Visa Card, it's important to consider whether the 0% intro APR on balance transfers and other features of the card align with your financial goals. It's also important to understand the interest rate and fees, as these can affect the overall cost of using the card. As with any credit card, it's important to use the USAA Rate Advantage Platinum Visa Card responsibly and make on-time payments to avoid accruing debt and damaging your credit.

If you are looking for a credit card with a low credit line and cashback rewards, then the USAA® Rate Advantage Platinum Visa® Card is an excellent option. This card comes with an interest rate of just 8.15% APR and no annual fee, so you can save money on your monthly bills. Plus, you’ll earn 1.25% cashback on all eligible purchases and 2.5% cashback at USAA® affiliated retailers.

The card also has some great benefits such as fraud protection, travel accident insurance, and rental car insurance. You can also enjoy discounts at select merchants and use the USAA Rewards portal to redeem points for rewards like gift cards, statement credits, and travel experiences. 

Overall, the USAA® Rate Advantage Platinum Visa® Card is a great choice if you’re looking for a low credit line credit card with cashback rewards. With its low interest rate, no annual fee, and generous rewards program, this card is perfect for those looking to save money on their monthly bills.

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Navy Federal Credit Union nRewards® Secured Card

The Navy Federal Credit Union nRewards Secured Card is a secured credit card that allows you to earn rewards on purchases while building or rebuilding your credit. It requires a security deposit, which becomes your credit line.

Some benefits of the Navy Federal Credit Union nRewards Secured Card include:

• 1 point per $1 spent on purchases.

• No annual fee.

• Your security deposit is refundable after 12 months of responsible card use.

• A credit line increase is possible after 12 months of responsible use.

• Fraud protection: Navy Federal Credit Union will never hold you responsible for unauthorized charges on your account.

• Mobile app to manage your account and make payments.

• 24/7 customer service.

Before applying for the Navy Federal Credit Union nRewards Secured Card, it's important to understand that it is a secured credit card, which means you will need to provide a security deposit. The deposit will become your credit line, and you will need to pay a higher interest rate compared to unsecured credit cards. However, if you use the card responsibly and make on-time payments, it can help you build or rebuild your credit while earning rewards on your purchases.

The Navy Federal Credit Union nRewards® Secured Card is a great option for those with bad or no credit history looking for an entry-level credit card with rewards. With this card, you’ll get all the perks of a regular credit card, but with the added security of a secured credit line.

This secured credit card requires a refundable deposit, which will be equal to your credit limit and will act as collateral. To get started, you’ll need to open a savings account with the Navy Federal Credit Union and make an initial deposit. Once you have established your security deposit, you’ll be ready to start using your card.

The nRewards® Secured Card offers users 1 point per dollar spent on all purchases, plus 5 points per dollar spent on groceries and gas. Points can then be redeemed for cash back, gift cards, travel rewards, and more. Your points never expire as long as your account remains active, and there is no annual fee. 

The Navy Federal Credit Union nRewards® Secured Card is a great choice for those looking for an entry-level credit card with rewards. With this card, you get all the perks of a regular credit card, plus the added security of a secured credit line. Plus, you can build your credit score over time by making payments on time and managing your credit responsibly.

Apply Nowfor the nRewards® Secured card

CONCLUSION

In conclusion, if you are looking for a credit card with a low credit line and cashback rewards, there are several options available to you. The Discover it Secured Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, and Bank of America Cash Rewards Credit Card for Students are all good choices for individuals with limited or damaged credit who are looking to build or rebuild their credit. The Citi Double Cash Card and Wells Fargo Cash Wise Visa Card are excellent options for individuals who want to earn cash back on all of their purchases, regardless of credit score. As with any credit card, it's important to compare the terms and conditions of each card, including the interest rate, fees, and rewards, to find the one that best meets your needs. Use your credit card responsibly and make on-time payments to avoid accruing debt and damaging your credit.

FINALY FAQ :

Q: What is a credit card?

A: A credit card is a financial tool that allows you to borrow money from a lender to make purchases or withdraw cash. You can use a credit card to pay for goods and services at merchants that accept the card, or online. You will need to pay back the borrowed money, plus interest, at a later date.

Q: How does a credit card work?

A: When you use a credit card, the lender (usually a bank or credit union) pays the merchant for the purchase. You will then receive a bill for the amount you owe, plus any applicable interest and fees, at the end of the billing period. You can choose to pay the full balance, a minimum payment, or a different amount. If you don't pay the full balance, you will be charged interest on the unpaid balance.

Q: How do I apply for a credit card?

A: To apply for a credit card, you will need to complete an application form with the lender. The application will ask for personal and financial information, such as your name, address, income, and employment. The lender will review your application and may request additional documentation, such as proof of income or identification. If your application is approved, the lender will send you a credit card and the terms and conditions of the agreement.

Q: What is a credit limit?

A: A credit limit is the maximum amount of money that a lender is willing to let you borrow on a credit card. Your credit limit is based on your creditworthiness, which is determined by factors such as your credit score, income, and debt. You will not be able to charge more than your credit limit on your credit card.

Q: What is a credit score?

A: A credit score is a numerical representation of your creditworthiness. It is based on information in your credit report, which is a record of your credit history. Your credit score is used by lenders to determine your risk level as a borrower and to decide whether to approve your credit card application or loan. A higher credit score typically indicates a lower risk and may result in a better interest rate or credit limit.

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