Credit Card Reward Rate Welcome Offer Annual Fee APR Credit Needed

U.S. Bank Cash+® Secured Visa®

Apply now with U.S. Bank
1% - 5%tooltip-i-iconEarn 5% cash back on on your first $2,000 in combined eligible purchases each quarter in two categories you choose, 2% cash back on eligible purchases in your choice of one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases close-icon NA$023.12% - 29.99%Poor

Bank of America® Customized Cash Rewards Secured

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1% - 3%tooltip-i-icon3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and 1% cash back on all other purchases. close-icon NA$024.66% - 27.74%Poor

Bank of America® Unlimited Cash Rewards Secured

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1.50%tooltip-i-iconEarn unlimited 1.5% cash back on all purchases close-icon NA$017.23% - 27.74%Poor

Surge Platinum Mastercard

Apply now with Continental
NAtooltip-i-iconThis card does not offer any rewards. close-icon NA$75 - $125 intro first year, then $99 - $12529.99%Poor

How do you get approved for a high limit credit card?

Your credit limit depends on factors like your credit score and history, income, other debts, and others. To get approved for a high limit credit card, you’ll need good to excellent credit and proof of income showing you can afford the high limit.

Start by applying for a credit card with a high starting limit. These are typically listed in the card’s terms and conditions. To improve your chances of getting a card with a high initial limit, take steps to improve your credit score, increase your income, and reduce your debts. 

Then, some card issuers may automatically review your account for a credit limit increase every six or 12 months (though this isn’t guaranteed). You can also request a credit limit increase online or by calling the customer service number on the back of your card.

If you have poor credit and are looking for a card with a high limit, research secured cards that have a higher maximum deposit, sometimes ranging up to $2,000 or even $5,000. With on-time payments and responsible use, you’ll likely be eligible for an automatic upgrade to an unsecured card or a credit limit increase.


The methodology for choosing the best highlimit credit cards for people with bad credit involves evaluating factors such as security features, ease of use, rewards programs, customer reviews, and fees. Financial experts and analysts assess these aspects to provide rankings and recommendations. The goal is to identify credit cards for consumers with poor credit that offer strong security measures, user-friendly interfaces, attractive rewards programs, positive customer feedback, and reasonable fees. By considering these factors, users can make informed decisions and select credit cards that align with their needs and preferences.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you visit the respective card’s website before proceeding.


Yes, there are some credit cards (like the First Progress Platinum Prestige Mastercard Secured Credit Card or Chime Credit Builder Secured Visa Credit Card) that will approve applicants without doing a credit check, meaning you can have a poor score or limited or no credit history and still qualify. However, the lower your score, the more limited your options are.

If you have poor credit and qualify for a secured or unsecured credit card, keeping your credit utilization ratio low and making monthly payments on time every month can help prove to the credit card company you are a responsible cardholder. They may automatically increase your credit limit or upgrade you to an unsecure card with a higher limit.

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