Alex Johnson, Member
@nobarter
The best way to get a credit card with a $5,000 limit with bad credit is to apply for the Harley-Davidson Secured Card and place a $5,000 security deposit. A secured credit card’s credit limit is equal to the deposit amount. But most secured cards do not allow deposits as high as $5,000. The Harley Card does allow a $5K deposit, and it also has both a $0 annual fee and rewards.
There are a few other secured credit cards with $5,000 limits that you can get with bad credit. Some of your options include the First National and U.S. Bank Secured Visa credit cards. And any of them can help you rebuild your credit and eventually qualify for an unsecured $5,000 credit card limit.
Unless your income is really high, you have no debt, and your financial problems are long behind you, you will not be able to get an unsecured credit card with a $5,000 limit with bad credit. Unsecured cards with $5,000 limits are usually available only to people with good credit. So, you’ll need to start off with a secured card.
Here are the best credit cards you can get with a $5,000 limit with bad credit:
- Harley-Davidson Secured: $0 annual fee. $300 minimum deposit, $5,000 maximum ($100 increments only). 1 point per $1 on all purchases. 22.99% (V) regular APR.
- First National Bank of Omaha Secured: $0 annual fee. $300 minimum deposit, $5,000 maximum ($50 increments only). 20.24% (V) regular APR.
- U.S. Bank Secured Visa: $0 annual fee. $300 minimum deposit, $5,000 maximum. 25.99% (V) regular APR.
Another way to get a credit card with a $5,000 limit with bad credit is to become an authorized user. When you’re an authorized user on someone else’s credit card, you’ll share a credit line with them. You’ll also rebuild your credit if the primary cardholder pays the bills on time.
If you go for a secured card, your credit limit is (almost always) equal to your deposit. So, depositing more money can give you a higher limit. However, the issuer will usually approve a personal maximum deposit for you. This may be below the card’s overall maximum, depending on your credit. But if you’re approved to deposit up to $5,000, and you have enough money to make such a deposit, there are several good card options.

2021's Credit Cards for Bad Credit
Compare Cardsharlinzajones229, Member
@harlinzajones229
CanI use my Go2Bank prepaid card to add the funds ? What's the link to the funds 5000 credit limit
justme5303, Member
@justme5303
Probably not. I don't believe that there is one out there.
omari_hiba1981, Member
@omari_hiba1981
Yes there is credit card with 5000
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