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    Home Credit Cards Guaranteed-Approval Credit Cards with $10,000 Limits for Bad Credit No Deposit

    Guaranteed Approval Credit Cards with $10,000 Limits for Bad Credit with No Deposit Required

    Guaranteed-Approval Credit Cards with $10,000 Limits for Bad Credit No Deposit

    At a glance

    Unfortunately, guaranteed-approval unsecured credit cards for bad credit don’t have limits up to $10,000; but we’ve found the cards that come closest.

    Save time, check out the best credit cards for low (or no) credit from our sponsors.

    In some cases, you may be eligible for preapproval and avoid hurting your credit score.

    Written by Kari Dearie

    Reviewed by Mark Slack

    Updated Oct 17, 2022

    Fresh advice you can trust

    We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

    Guaranteed-Approval Credit Cards with $10,000 Limits No Deposit

    Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
    Prosper Card
    Prosper® Card Apply
    Overall 300–669 $39 ($0 for the first year if you set up autopay) Apply
    Petal 1 Visa credit card
    Petal 1 Visa® Apply
    No Annual Fee 300–669 $0 Apply
    Tomo Credit Card
    Tomo Credit Card Apply
    Low Interest 300–669 $0 Apply
    Total Visa credit card
    Total Visa® Card Apply
    Credit Limit Increases 300–669 $75 for the first year ($48 after) Apply
    Credit One Platinum Visa credit card
    Credit One Bank® Platinum Visa® for Rebuilding Credit Apply
    Rebuilding Credit 300–669 $75-$99 Apply
    Surge Mastercard credit card
    Surge Mastercard® Unsecured Credit Card Apply
    Instant Approval 300–669 $75–$99 the first year, then $99 annually Apply

    Table of Contents

    1. Best guaranteed-approval credit cards with close to $10,000 limits for bad credit with no deposit
    2. Are there no-deposit guaranteed-approval credit cards with $10,000 limits for bad credit?
    3. How can I get a no-deposit credit card with a $10,000 limit when I have bad credit?

    Guaranteed-approval credit cards with $10,000 limits for bad credit with no deposit aren’t currently available. The closest you can get to guaranteed approval (and the highest limits you can qualify for) all come at the cost of a security deposit.

    Fortunately, there are still some unsecured credit cards that have such high approval odds they’re nearly guaranteed. Plus, quite a few of these cards offer high credit limits and the potential for credit limit increases that can take your unsecured line of credit as close to $10,000 as it could possibly get.

    Best guaranteed-approval credit cards with close to $10,000 limits for bad credit with no deposit

    Best Overall

    Overall

    Prosper® Card

    Prosper Card Apply Now

    on Prosper's secure site

    Rates & Fees
    3.9
    Rating Breakdown
    Fees
    4.8

    Compared to other unsecured cards for less-than-perfect credit, the Prosper® Card offers more bang for your buck, with a relatively low annual fee and no cash advance fees.

    APR
    1.8

    The Prosper® Card comes with a pretty broad APR range, and there’s a good chance you’ll end up with a high interest rate.

    Rewards
    1.0

    Because the Prosper® Card doesn’t offer any credit card rewards, it earns the lowest possible score in the rewards category.

    Credit Reporting
    5.0

    The Prosper® Card issuer reports activity to the three major credit bureaus.

    Credit Limit
    4.5

    Generous credit limits and a willingness to offer credit line increases very soon after account opening earn this card a high rating in this category.

    Other

    We adjusted the rating for additional factors like the lack of a security deposit and the short time period before cardholders are eligible for credit line increases.

    Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

    Annual Fee

    $39 ($0 for the first year if you set up autopay)

    Credit Score

    300–669

    Purchase APR

    22.74%–33.74% (variable)

    Credit Limit

    $500–$3,000

    Why It's Great

    The overall best unsecured credit card for bad credit with near guaranteed approval and up to a $6,000 credit limit is the Prosper® Card. If you’re looking to avoid a deposit and still have high approval odds, you can’t do much better than this credit card.

    It’s unsecured, has credit limits between $500–$3,000, and even offers credit limit increases after just 3 months of borrowing. Increases can as much as double your credit limit, meaning you can have $6,000 in credit just a quarter of a year after opening your Prosper® Card.

    The application is fast and easy, and the card is designed for borrowers with less-than-sparkling credit. However, you’ll have to pay a $39 annual fee, which is comparatively low for this type of card. Plus, the fee can be waived the first year after you sign up for automatic payments.

    Pros & Cons

    Pros

    • No deposit required
    • No cash advance fees
    • Fast application
    • Credit limit increases available after 3 months
    • Foreign transactions are available

    Cons

    • High APR
    • $39 annual fee
    • No rewards
    • No welcome bonus or intro offers
    • Balance transfers not available

    Best for No Annual Fee

    No Annual Fee

    Petal 1 Visa®

    Petal 1 Visa credit card Apply Now

    on WebBank's secure website

    Rates & Fees
    4.0
    Rating Breakdown
    Fees
    4.7

    The Petal 1 Visa® gets an excellent rating in this category, since it has very low fees overall, including no annual fee and no foreign transaction fees.

    APR
    1.8

    The Petal 1 Visa® might give you a very high purchase APR if your creditworthiness is lacking.

    Rewards
    1.0

    The Petal 1 Visa® gets a low score here, since it doesn’t have a comprehensive rewards program (although it has limited opportunities to earn cash back with specific vendors).

    Credit Reporting
    5.0

    This card reports to all three major credit bureaus, so it’s good for anyone building or rebuilding their credit.

    Credit Limit
    4.5

    The Petal 1 Visa® offers credit limits of $300–$5,000, so you may be able to get a very good credit limit even if your credit score leaves something to be desired.

    Other

    We bumped up the rating on this card to account for positive qualities, including free credit scores and the potential to apply without a credit score.

    Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

    Annual Fee

    $0

    Credit Score

    300–669

    Purchase APR

    22.99%–32.49% (variable)

    Credit Limit

    $300–$5,000

    Why It's Great

    If you’re looking for a guaranteed-approval bad-credit credit card with up to a $10,000 limit and no deposit or annual fee, your options are certainly limited. However, you may have found the perfect match in the ​​Petal® 1 Visa®. While we can’t say how much credit you can max out on this card, your initial credit limit on the Petal® 1 Visa® can be between $500–$5,000. If credit limit increases can up to double your limit, that could mean a $10,000 line of credit for some (though this is an unconfirmed possibility).

    Plus, the Petal® 1 Visa® puts itself above and beyond the competition by offering cashback rewards. You can enjoy up to 10% back on purchases made with select merchants.

    Pros & Cons

    Pros

    • No deposit required
    • $0 annual fee
    • No foreign transaction fees
    • Up to 10% cashback rewards
    • Available to people with no credit score

    Cons

    • Cashback rewards are limited to select merchants
    • High APR
    • No introductory offers
    • Balance transfers and cash advances not available

    Best for Low Interest

    Low Interest

    Tomo Credit Card

    Tomo Credit Card Apply Now

    on Tomo's secure site

    Rates & Fees
    4.3
    Rating Breakdown
    Fees
    4.8

    The Tomo Credit Card’s no-fee policy gives borrowers excellent value for money, especially considering you won’t be making up for the lack of fees in interest charges.

    APR
    4.2

    The Tomo Credit Card has no interest charges whatsoever. However, it loses points in the APR category because it doesn’t allow balance transfers or cash advances.

    Rewards
    1.0

    The Tomo Card earns the lowest possible rating in the rewards category because it doesn’t offer any guaranteed credit card rewards.

    Credit Reporting
    5.0

    TomoCredit will report your Tomo Credit Card account activity to all three credit bureaus, which is excellent for building credit.

    Credit Limit
    3.5

    The wide range of starting credit limits on the Tomo Credit Card make it hard to assess. You could either end up with a better or worse credit line than what you’d get with other cards.

    Other

    We manually adjusted the rating for other factors, such as the ability to apply without a credit check or security deposit.

    Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

    Annual Fee

    $0

    Credit Score

    300–669

    Credit Limit

    $100–$10,000

    Why It's Great

    The Tomo Credit Card is a unique solution to credit. It works a bit differently than a traditional credit card, but it offers high approval odds (not even requiring a credit check) and credit limits up to $10,000, even for borrowers with bad credit.

    However, the card doesn’t charge interest and doesn’t allow cardholders to carry a balance. Instead, it enforces a 7-day billing cycle, at the end of which your balance will be automatically taken out of your synced bank account.

    This can be a great system for credit-builders looking to build credit quickly and safely.

    Pros & Cons

    Pros

    • No fees
    • Cashback rewards
    • No security deposit requirement
    • No Social Security number requirement
    • No credit check requirement (so no credit score required)
    • Reporting to all three major credit bureaus
    • Benefits including cell phone insurance

    Cons

    • You can’t carry a balance
    • A bank account must be linked
    • Inflexible payment schedule
    • No balance transfers
    • No cash advances

    Best for Credit Limit Increases

    Credit Limit Increases

    Total Visa® Card

    Total Visa credit card Apply Now

    on Total Visa's secure site

    Rates & Fees
    2.8
    Rating Breakdown
    Fees
    3.1

    This card comes with high fees, which makes it an expensive card to maintain. You also don’t get many benefits in exchange for your money.

    APR
    1.2

    This card comes with one of the highest APRs you’ll find on a standard credit card, putting cardholders at very high risk of accumulating credit card debt.

    Rewards
    1.0

    The Total Visa® Card doesn’t come with any credit card rewards, earning it the lowest rating in the rewards category.

    Credit Reporting
    5.0

    Total Visa® accounts are reported to all three major credit bureaus, making it suitable for building or rebuilding your credit.

    Credit Limit
    2.5

    The initial credit limit on this card is relatively low at just $300. However, credit limit increases are available.

    Other

    We made adjustments for factors like high approval odds, program fees, and the availability of credit limit increases.

    Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

    Annual Fee

    $75 for the first year ($48 after)

    Purchase APR

    34.99% (fixed)

    Credit Score

    300–669

    Credit Limit

    $300

    Why It's Great

    As far as easy applications and guaranteed approval go, the Total Visa® is one of the best no-deposit credit cards on the market. All you need is to fill out an application with the following information:

    • Name
    • Email address
    • Physical address (no P.O. boxes)
    • Phone number
    • Date of birth
    • Social Security number
    • Employment status
    • Net monthly income
    • Estimated monthly expenses

    The Total Visa® will likely approve you on the spot and offer you a $300 credit limit. However, you can qualify for limit increases after 12 months of borrowing, even requesting your own credit limit increase.

    While this card is easy to get, it does come at a cost. Beware of annual, monthly, and program fees.

    Pros & Cons

    Pros

    • No deposit required
    • Reports to three credit bureaus
    • Potential credit limit increase
    • Easy application
    • Instant approval

    Cons

    • High APR
    • Program fee
    • Annual fee
    • Monthly servicing fee

    Best for Rebuilding Credit

    Rebuilding Credit

    Credit One Bank® Platinum Visa® for Rebuilding Credit

    Credit One Platinum Visa credit card Apply Now

    on Credit One Bank's secure site

    Rates & Fees
    3.6
    Rating Breakdown
    Fees
    3.8

    The Credit One Bank® Platinum Visa® for Rebuilding Credit comes with pretty high fees, especially the annual fee. Thankfully, it’s partially offset by rewards and other benefits.

    APR
    2.4

    The APRs on this card are pretty high, but this is typical for a credit card geared toward people with poor or limited credit histories.

    Rewards
    3.1

    This is one of the few unsecured rewards cards you can get with poor credit. However, the rewards don’t apply to all purchases and don’t fully compensate for the card’s fees.

    Credit Reporting
    5.0

    Credit One reports to all three credit bureaus, which makes the Platinum Visa® for Rebuilding Credit suitable for building or rebuilding credit.

    Credit Limit
    2.5

    Credit limits are pretty low on this card, which isn’t ideal if you want to raise your credit score quickly or take full advantage of the card’s cashback rewards.

    Other

    We manually adjusted the card’s final score to account for factors like free credit scores and credit limit increases.

    Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

    Annual Fee

    $75-$99

    Credit Score

    300–669

    Purchase APR

    26.99% (variable)

    Rewards

    • Gas, Groceries, & Telecom Bills

      1% cash back on eligible spending toward gas, groceries, mobile phone service, and internet, cable, and satellite TV service

    Why It's Great

    One of the best ways to get a $10,000 credit limit when you have bad credit is to use a credit card to build credit then start qualifying for higher-limit cards. One great card for building your credit up is the Credit One Bank® Platinum Visa®.

    This card guarantees most applicants’ approval, will give you an initial credit limit of at least $300 with the chance for increases, and even offers cashback rewards. You can get 1% back on:

    • Gas
    • Groceries
    • Your monthly mobile phone, internet, cable, and satellite TV services bills

    To help you build your credit quickly, the card also comes with free monthly credit reports, so you always know how much progress you’re making. But watch out—this card will cost you an annual fee of $75–$99.

    Pros & Cons

    Pros

    • No deposit required
    • Cashback rewards
    • Free credit reports
    • Credit reporting

    Cons

    • High annual fee
    • Limited rewards
    • Low credit limit
    • Balance transfers not available

    Best for Instant Approval

    Instant Approval

    Surge Mastercard® Unsecured Credit Card

    Surge Mastercard credit card Apply Now

    on Continental Finance's secure website

    Rates & Fees
    3.3
    Rating Breakdown
    Fees
    3.0

    The fees on the Surge Mastercard® aren’t the absolute highest you’ll find among credit cards, but they’re quite steep considering you won’t get any rewards in exchange.

    APR
    2.4

    The higher-than-average APR on this card isn’t a surprise considering that it’s geared toward people with poor or fair credit, but it makes this card expensive to carry a balance on.

    Rewards
    1.0

    The Surge Mastercard® offers no rewards of any kind, netting it the lowest possible rating in this category.

    Credit Reporting
    5.0

    Surge Mastercard® accounts are reported to all three major credit bureaus, which makes this card suitable for building or repairing your credit.

    Credit Limit
    3.5

    The Surge Mastercard®’s initial credit limits are low, but you have the chance to increase (and even double) your credit line after you’ve had the card for 6 months.

    Other

    We manually boosted this card’s score in recognition of its high approval odds, free access to credit scores, and accessibility to people with bad credit without requiring a security deposit.

    Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

    Annual Fee

    $75–$99 the first year, then $99 annually

    Credit Score

    300–669

    Purchase APR

    24.99%–29.99% (variable)

    Why It's Great

    The Surge Mastercard® isn’t the best card on this list, but it does offer most applicants instant and guaranteed approval without needing to put down a security deposit. Your initial credit limit will be as high as $1,000, then you can qualify for credit limit increases in as few as 6 months.

    Additionally, the Surge Mastercard® reports payments to the major credit bureaus which means using the card frequently and responsibly can help you build your way to $10,000-limit unsecured cards.

    The big catch with this card is that it comes with a $75–$99 annual fee and a $0–$10 monthly fee starting the second year. That’s why we only recommend you use this card as a temporary option to build credit and get some fast cash.

    Pros & Cons

    Pros

    • No money down
    • Pre-qualification
    • Free monthly credit score check
    • Major credit bureau reporting monthly
    • Credit limit increase after 6 months
    • Online account management

    Cons

    • High APR
    • Monthly maintenance fee
    • Expensive annual fee
    • No perks or rewards
    • No upgrade option

    Are there no-deposit guaranteed-approval credit cards with $10,000 limits for bad credit?

    No, there are no true guaranteed-approval credit cards for bad credit with $10,000 limits and no deposit required. Unfortunately, there’s no such thing as guaranteed approval in the credit world.

    Credit cards always require an application that can be denied at the discretion of the issuer. However, there are multiple cards that boast near guaranteed approval, as the odds of your application being accepted are very high. This is especially true when you apply for cards that don’t require a credit check.

    Additionally, credit limits as high as $10,000 are incredibly rare when you have bad credit. Besides the Tomo Credit Card, the only credit cards for bad credit with that high of credit lines are secured cards that require a deposit of equivalent value.

    How can I get a no-deposit credit card with a $10,000 limit when I have bad credit?

    While you can’t likely get a $10,000 limit credit card with no deposit when you have bad credit, there are a few ways to get a credit card for bad credit with a relatively high credit limit:

    1. Search your options before applying: Do your research when looking for a new credit card and don’t apply to the first one you see that advertises approval for bad-credit borrowers. Many of these cards have low credit limits. Instead, check the card’s terms and conditions and understand how much initial credit you could get and whether or not that card offers credit limit increases.
    2. Look for a card with credit limit increases: There’s no way to guarantee what your initial credit limit will be with an unsecured credit card. Instead, the issuer will offer you a limit based on your creditworthiness. So only consider cards that offer credit limit increases (ideally after 3–12 months of borrowing). After you’ve gotten your new card, use it responsibly so you’ll qualify for an increase when the time comes.
    3. Put down a deposit: Again, if a high credit limit is what you’re after, the best way to get this is by putting down a credit card security deposit. Most secured cards offer higher credit limits than unsecured credit cards for bad credit, as you’ll be asked to put down a security deposit to match.

    How we rate our credit cards

    Getting a new credit card is a big decision. That's why we heavily weighted the following factors when determining the best guaranteed-approval credit cards with $10,000 limits for bad credit with no deposit required:

    • Fees
    • Credit limits
    • Qualification requirements
    • Interest rates
    • Benefits
    • Borrowing terms

    These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.

    Kari Dearie

    Credit Cards Editor

    View Author

    Kari Dearie is an editor for FinanceJar specializing in credit and personal finance. She previously managed a B2B website in the data privacy and digital compliance industry.

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