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There are several credit cards you could get with no activation fees and a limit of at least $400, but it all comes down to your credit score. Your credit limit will be determined by a review of your creditworthiness, income, and debt, and you will be informed of its extent when you are approved.
With the exception of unsecured credit cards for bad credit, most cards don’t charge an activation fee. Plus, a $400 credit limit is fairly low. So, if your credit is at least fair, you can easily find credit cards with rewards and no annual fees.
If you have bad credit, you would be better off by placing a $400+ security deposit on a secured credit card. The deposit acts as both your credit line and as collateral, reducing the risk for the issuer as well as the fees associated with the card.
2025's Unsecured Credit Cards for Bad Credit
2025's Unsecured Credit Cards for Bad Credit
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Sue Patterson, WalletHub Analyst
@sweetsue
The best card to apply for is the Credit One Visa. They are fair when giving a card out, the increase will come after 6 months but beware that they do charge for increases.
Also, you can try Indigo Card and Milestone or Total Visa card, but they also start with a low spending amount.
People also ask
What credit cards can I get with a score below 400?
There are quite a few credit cards that you can get with a credit score below 400, which is considered bad credit. One notable option is the opensky® Secured Visa® Credit Card because it doesn’t do a credit check when applying, has a $35 annual fee, and it reports monthly to the three major credit bureaus. The card requires a minimum deposit of $200 to open the account, though.
If you have a credit score below 400, your best options are...
read full answer by John Miller, Credit Cards ModeratorWhat are the best credit cards for a 400 credit score?
The best credit card for a 400 credit score is the opensky Plus Credit Card because it does not check your credit score when you apply and it has a $0 annual fee. In addition to being easy to get with bad credit and inexpensive to own, the opensky Plus Card reports to the credit bureaus on a monthly basis.
Monthly credit bureau reporting will help you build credit if you pay the bills on time. You’ll...
read full answer by Adam McCann, Financial WriterIs $400 a high credit card limit?
No, $400 is not a high credit card limit. Generally, a high credit card limit is considered to be $5,000 or more, and credit limits of $400 are more common for people with limited or bad credit and low income. A credit limit of $400 is also much lower than the average credit card limit.
Keep in mind that even if you start off with a $400 credit limit, that’s not necessarily the limit you’ll have forever. After six...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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