For millions of Americans working to rebuild their credit, getting approved for a credit card — let alone one with a decent limit — can feel impossible. Thankfully, a handful of issuers offer cards specifically designed for people with low credit scores that can still provide meaningful spending limits, help rebuild financial stability, and open the door to better credit opportunities.
Below are three of the best high-limit cards for people with bad or limited credit, including who they’re best for and what limits you can realistically expect.
👉 See what credit limit you qualify for
1. First Tech Platinum Secured Mastercard
A high-limit secured card with unmatched flexibility
If you’re rebuilding credit and want the highest possible limit, this card is widely considered the #1 option. The First Tech Platinum Secured Mastercard allows you to set your own credit limit based on your refundable security deposit — and qualifies many applicants that traditional banks decline.
Key Features
- Credit limit: Up to $25,000 (based on your deposit)
- Annual fee: $0
- Reports to all three major credit bureaus
- Ideal for credit rebuilding while maintaining the freedom to choose a high limit
Why It’s Good for Low Credit Scores
Because it’s a secured card, approval is easier — and your spending limit can grow as high as your budget allows. This makes it one of the most powerful tools for fixing credit while keeping financial flexibility.
👉 See what credit limit you qualify for
2. U.S. Bank Secured Visa® Card
Reliable, trusted, and allows a strong limit without extreme deposits
The U.S. Bank Secured Visa is another excellent choice for someone with low credit. While the maximum limit isn’t as high as First Tech’s, it still offers a generous range — and comes from one of the most reputable banks in the country.
Key Features
- Credit limit: $300–$5,000
- Annual fee: $0
- Comes from a major national bank
- Offers automatic reviews for graduation to an unsecured card
Why It’s Good for Low Credit Scores
It’s perfect for someone who wants a high limit without tying up a massive deposit, and who values the stability and upgrade path of a major bank.
👉 See what credit limit you qualify for
3. Credit One Bank Platinum Visa® for Rebuilding Credit
An unsecured credit card — no deposit required
If you want a card that doesn’t require a deposit, Credit One offers one of the most accessible unsecured options for people with bad credit.
Key Features
- Credit limit: Typically starts around $300–$500, with potential increases
- No security deposit required
- Offers 1% cash back on select categories
- Designed specifically for people rebuilding credit
Why It’s Good for Low Credit Scores
Most unsecured cards for bad credit come with very low limits and high fees. While Credit One still has fees, it is one of the few lenders willing to approve applicants with low credit scores and provide limit increases over time.