The easiest high limit credit card to get is the Capital One Venture Credit Card because its starting credit limit is $5,000 and you need at least “Good credit” (usually a score of 700 or higher) for approval. Capital One Venture does have an annual fee: $95. But there’s also a no annual fee version, the Capital One VentureOne Card, with a starting credit limit of $2,000.
If you have less than good credit, expect lower credit limits. Fair or limited credit can get you approved for the Petal 2 Visa Credit Card, which has a minimum credit limit of $500 and an annual fee of $0. You can also apply for the Target Credit Card, which requires at least Fair and has a starting credit limit that’s rumored to be $1,000.
If you have bad or limited credit and a lot of cash saved up, the Wells Fargo Secured Credit Card is a good option because your credit limit can go as high as $10,000. But your credit limit on a secured card is equal to the deposit you put down. The highest unsecured credit limit you’ll get with bad credit is likely to be around $300. It’s just a question of how much will get used up by initial fees. The Fingerhut Credit Account is a good one to consider.
That said, only some credit cards list their minimum credit limits in the terms and conditions. And your actual credit limit could be higher than what’s listed, depending on your personal creditworthiness. But no matter what your credit standing is, getting a high limit credit card will get easier as your credit score improves.
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