What credit card can I get with no activation fees and a limit of at least $400?

It is difficult to predict what credit card will have a $400 credit limit before submitting an application. 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.

Unsecured credit cards for bad credit don’t usually offer credit limits as high as you’re looking for. And even though some lack an activation fee altogether, they come with annual set up and maintenance fees which are well above $40 and are assessed before you begin using your card. This will effectively reduce the amount of credit you initially have available, so they give you very little spending power beyond what you can already afford in cash.

With this said, unless you need an emergency loan of $400, 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 and the fees associated with the card as well.

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.