What are the best credit cards with a $200 credit limit?

The best credit card with a $200 credit limit is the Capital One Quicksilver Secured Cash Rewards Credit Card. In addition to a credit line of at least $200, the card offers 1.5 - 5% cash back on purchases and comes with a $0 annual fee. Just keep in mind that your credit limit is the same as your deposit.

This card is typically available to people with bad credit or better. Credit cards with $200 credit limits are generally offered to those with limited or bad credit.

Best Credit Cards with a $200 Credit Limit

With secured credit cards, your credit limit usually equals the amount of your refundable security deposit. In other words, you can get a $200 limit by placing a $200 security deposit, and you could get a higher limit by placing a higher deposit.

It's important to remember that a card’s minimum credit limit is not necessarily the credit limit you will get. Credit card issuers consider three essential factors, among others, when deciding your credit limit for an unsecured credit card – your credit history, income and existing debt. Your credit history reflects how responsible you have been as a borrower in the past. Your disposable income indicates how much spending power you can comfortably take on.

If you want more options, you can check out WalletHub’s picks for the best high-limit credit cards of 2026.