Best High Limit Secured Credit Cards for Bad Credit


When you have bad credit but need a visa card with a high limit, consider high limit secured credit cards for bad credit.

Get Platinum status even when your credit is less than perfect.

The UNITY® Visa Secured Credit Card from OneUnited Bank is a secured credit card with an available limit up to $10,000. For those familiar with secured credit cards, a $10,000 maximum limit is rare. This card has reasonable interest rates. For 6 months from the day you open your account, your balance transfer APR is set at 9.95%.

The UNITY® Visa Secured Credit Card offers an opportunity to rebuild credit scores with on-time payments, $0 fraud liability, travel accident insurance and auto rental collision damage waiver. Improve your credit with timely payments that report to the three major credit bureaus.

It’s one of the highest limit secured credit cards for bad credit. Improve your credit and purchasing power with the UNITY® Visa Secured Credit Card. Plus, OneUnited Bank does not have a minimum credit score requirement. That means even someone with a bankruptcy can qualify for the card.

More Secured Credit Cards for Bad

Secured cards for bad credit are a convenient, easy way to rebuild credit. Don’t think avoiding credit cards is the best thing to do when you want to rebuild credit. Consider secured credit cards for bad credit as long as you are ready to:

  • Charge in small amounts so you can pay off the entire balance each month. If you do carry a balance, keep it to ten percent or less of your available credit limit.
  • Charge only what you can afford and pay off the entire balance.
  • Pay your bill on time, every time. Doing so shows good money and credit management and will help raise your credit score.

OpenSky® Secured Visa® Credit Card

The OpenSky Secured Visa credit card has one of the lower secured credit card APRs at 18.89%. It is also a no credit check credit card, meaning it’s a great choice for folks with damaged credit. Your deposit can be as high as $3,000. Your credit limit is always equal to your deposited amount.

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
Deposit requirements. Your credit limit is equal to your deposited amount. That amount can be as low as $200 or as high as $3,000.
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
Improve credit. 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months. Learn more.

U.S. Bank Secured Visa Card

The U.S. Bank Secured Visa Card credit card has one of the longest grace periods up to 30 days, compared with the more typical 20- to 25-day grace period for secured cards for bad credit. The APR is relatively reasonable at 19.24%.

Deposit requirements.To get started with the U.S. Bank Secured Visa Card, you need to make a deposit of at least $300 and as much as $5,000, depending on your creditworthiness.
Earn interest. Unlike most secured credit cards for bad credit, the deposit held in a U.S. Bank savings account is interest-bearing (0.05% to 0.10% APY).
Free Transunion credit score. Enroll in Online Banking and get your TransUnion Credit Score at no cost and receive email alerts when there are big changes to your credit report.
Zero fraud liability. You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa Card is ever lost or stolen.
Fraud protection. Detects and notifies you of any unusual card activity to help prevent fraud.
24/7 account access. Use Online Banking or the U.S. Bank Mobile App to make a payment, check your balance and view transactions. Learn more.


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