The best high limit credit cards for bad credit are the Surge Mastercard ($500+ limit) and the Total Visa Card ($300+ limit). “High limits” for bad credit will be very different from high limits for better credit scores, though. Most people with high credit scores looking for high-limit credit cards want $10,000+. That’s not going to be possible with credit cards for bad credit, unless you place a deposit of $10,000+ too.
You can aim for a limit of a few hundred dollars with poor credit. Usually, just getting approved is the biggest priority for people with bad scores. Since credit card issuers have to take on more risk from applicants with bad credit, they manage that by having higher interest rates and lower credit limits.
High Limit Credit Cards for Bad Credit:
Surge Mastercard - $500 starting limit (with a deposit of $0 to $500)
Capital One Secured Mastercard - $200 starting limit with a security deposit of $49, $99, or $200
Total Visa Credit Card - $300 starting limit (no deposit)
Discover it Secured - $200 to $2,500 with an equal deposit
Secured credit cards are a popular choice for individuals with bad credit since it’s easy to get approved. In addition to easier approval, secured cards usually have lower fees as well. Most secured cards have $0 annual fees, and even those that charge more usually don’t go above $39. However, with secured cards, you have to put down a security deposit. This security deposit then acts as your available credit line.
In general, you likely won’t get a very high credit limit with bad credit. However, these cards are a great place to start and you can always request a credit limit increase once you’ve had your account open for 6 months.
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