Credit Cards for Bad Credit with $3,000 Limit (2024)

FAQs

Credit Cards for Bad Credit with $3,000 Limit? ›

The best credit card for bad credit with a $3,000 limit is the U.S. Bank Secured Visa® Card. With this card, it is possible to place a $3,000 deposit, which will serve as your credit limit. The minimum deposit is $300. The U.S. Bank Secured Visa® Card also comes with a $0 annual fee.

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

First Latitude Select Mastercard® Secured Credit Card

Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit. No minimum credit score required for approval!

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.

The best type of credit card for a 480 credit score is a secured credit card with no credit check when you apply.

One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed.

How do I get a credit card if no one will approve me? ›

Credit invisibility can make things like getting approved for a credit card or a loan more difficult or costly. It's possible to get a credit card with no credit. You might consider applying for a secured credit card, student credit card or retail store credit card to help establish and build your credit.

If you're looking to repair your credit, you can use a second-chance credit card to rebuild your credit. After demonstrating responsible use -- paying your bill in full and on time -- the card issuer may offer you a higher credit limit or upgrade you to a higher-level credit card with rewards.

Unsecured credit cards explained

There are many starter credit cards which allow cardmembers to build up their credit without having to put money down as collateral. These include store credit cards, low-limit credit cards, and student credit cards.

You need a credit score of 550 to 750 to be approved for most unsecured credit cards. The higher your credit score is, the better your chances of getting approved for one of the best credit cards with no security deposit will be.

Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit Card is a co-branded credit card by ICICI Bank and Amazon Pay. It is also a popular card among the people. To get an Amazon Pay ICICI Credit Card, apply on the Amazon app. It is very easy to get for the beginners.

The best type of credit card for a 350 credit score is a secured credit card with no credit check when you apply.

The Bank of America® Customized Cash Rewards Secured Credit Card is the best credit card with nearly guaranteed approval that can give you a $5,000 credit limit. It accepts applicants with bad credit, and you can place a refundable security deposit of up to $5,000 for a credit limit equal to the amount you put down.

Which is the easiest store credit card to get? ›

Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.

The Petal® 2 “Cash Back, No Fees” Visa® Credit Card is open to applicants with no credit history, including those without a social security number. Instead of requiring a credit score, your banking activity and other financial data can determine your eligibility for the card.

You need a credit score of 550 to 750 to be approved for most unsecured credit cards. The higher your credit score is, the better your chances of getting approved for one of the best credit cards with no security deposit will be.

Plenty of credit cards for a 500 credit score or lower offer credit-building tools to help you achieve a higher score; others even offer rewards. The cards featured here could get you on the right track for a better score and better cards.