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

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.

What You Should Know About High Credit Limits for Bad Credit

• The only way to get a $3,000 limit with bad credit is to place a $3,000 security deposit on a secured credit card.
• Generally, a secured card’s credit limit matches the amount of the refundable security placed by the cardholder.
• Not all secured credit cards allow deposits as high as $3,000.
• There is no unsecured credit card with a high credit line that you can get if you have bad credit. That’s because people with bad credit are considered high-risk borrowers who must prove themselves before being trusted with a high credit limit.

Alternative Credit Card Option for Bad Credit With no Deposit

If a security deposit is out of the question, a decent unsecured option is the Credit One Bank® Platinum Visa® for Rebuilding Credit. The starting credit limit for this card is at least $300. But it could be higher than that, depending on your creditworthiness and disposable income.

There’s no deposit, and you’ll earn 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. The card’s annual fee is $75 intro 1st yr, $99 after.

Notable Credit Cards for Bad Credit With no Deposit

Feel free to check our editors' picks for best unsecured credit cards for bad credit.