Guaranteed-Approval Credit Cards with $10,000 Limits No Deposit
| Credit Card | Best For | Credit Score | Annual Fee | Welcome Bonus | |
|---|---|---|---|---|---|
| Overall | 300–669 | $39 ($0 for the first year if you set up autopay) | |||
| No Annual Fee | 300–669 | $0 | |||
| Low Interest | 300–669 | $0 | |||
| Credit Limit Increases | 300–669 | $75 for the first year ($48 after) | |||
| Rebuilding Credit | 300–669 | $75-$99 | |||
| Instant Approval | 300–669 | $75–$99 the first year, then $99 annually | |||
Table of Contents
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
Best for No Annual Fee
Best for Low Interest
Best for Credit Limit Increases
Best for Rebuilding Credit
Best for Instant Approval
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:
- 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.
- 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.
- 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.
