How do you get guaranteed credit card approval and a high limit?

There is no way to get guaranteed credit card approval with a high limit. That’s because no credit card issuer guarantees approval – they make a decision based upon your credit, income, debt load and many other factors. In addition, credit cards with the highest starting limits require good credit (score of 700+) or excellent credit (score of 750+). So only people with a long history of responsibility can get them.

Your best chance for nearly guaranteed approval and a high limit is with a secured card. Secured cards require a security deposit, and they’re the easiest type of credit card to get. Unless you have no income or a currently pending bankruptcy, your odds of rejection are very low. On secured cards, your credit limit is equal to your deposit. So the more you deposit, the higher your credit limit becomes. Issuers tend to set upper limits, but if you have a lot of cash on hand, there are several cards that allow users to deposit quite a bit. Your deposit is refundable once you pay any balance owed and close the account.

If you happen to have good or excellent credit history, make sure to take a look at WalletHub’s picks for the best high limit credit cards overall.

It doesn’t guarantee approval, but the Wells Fargo Secured Card is really easy to get, even for people with bad credit. Depending on how much you deposit, you can get a credit limit as high as $10,000. The minimum is $300. There’s an annual fee. But it’s only $25.

You can’t get guaranteed credit card approval with a high limit because no credit card approval is ever guaranteed. Even the easiest credit cards to get still have minimum conditions you have to meet, like having a steady income. That said, it is possible to get nearly guaranteed credit card approval with a high limit if you apply for the Wells Fargo Secured card. It offers up to a $10,000 credit limit when you make a security deposit of the same amount. So if you have a lot of extra cash on hand, that’s a good option.

Nearly guaranteed approval credit cards tend to be marketed toward people with limited or bad credit – those most worried about getting rejected. So they usually have fairly small starting credit limits. But many secured cards will let you deposit up to a few thousand dollars for a limit equal to what you put down. Credit cards with no deposit for people with no credit or bad credit usually have minimum credit limits of $300 to $500.

It’s good to note that the higher your credit score becomes, the higher your chances of approval are for any card. So if you have a perfect 850 credit score, you’ll probably have nearly guaranteed approval even for high limit cards that require excellent credit, a score of 750+.

Offers for (nearly) guaranteed credit card approval and high limits:

• $300 - $10,000 limit: Wells Fargo Secured. $25 annual fee. Credit limit is equal to your security deposit.
• $300 - $5,000 limit: First National Bank of Omaha Secured Visa. $0 annual fee. Credit limit is equal to your security deposit.
• $300 - $5,000 limit: AeroMexico Secured Credit Card. $25 annual fee. Credit limit is equal to your security deposit.
• $300 - $3,000 limit: OpenSky Secured Visa. $35 annual fee. Credit limit is equal to your security deposit.
• $500+ limit: Discover it Student Cash Back. No annual fee. No deposit required; credit limit based on your creditworthiness.
• $300+ limit: Capital One QuicksilverOne. $39 annual fee. No deposit required; credit limit based on your creditworthiness. Card requires fair credit (640+ score) so you could get nearly guaranteed approval if you have good/excellent credit (well above 700).
• $5,000+ limit: Capital One Venture. $95 annual fee, waived the first year. No deposit required; credit limit based on your creditworthiness. Card requires good credit (700+) so you could get nearly guaranteed approval if you are well into the excellent credit range (well above 750).

In all, secured cards are the closest you’ll get to guaranteed credit card approval with a high limit. But it’s a high limit you have to pay for. Also, keep in mind that you may not be able to just deposit the maximum amount. Sometimes, you need issuer approval for that.