Credit Card Applications
ADVERTISER DISCLOSURE is an independent, advertising-supported web site. is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. does not offer, review or present all available credit offers.


  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Receive a $750 Credit Line*
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus

Other Credit Cards with High Limit:

Credit Card Name Intro APR (for purchases)Intro APR Period(for purchase)Ongoing APR (for purchases)Annual Fee Apply
See termsup to 18 monthsSee terms$0

High Credit Limit in Exchange
for High Credit Rating

A high limit credit card is by no means everyone`s privilege. If you plan to apply and be approved for a high limit offer, you are expected to prove your right to own it, and this is quite a challenge. Banks and credit companies will happily offer you an extended credit line, but not until they make certain that you are a good credit risk, in other words - solvent customer.
Thus, if you are on the way to a high limit card offer, check and improve if needed the following data on your financial standing and credit rating: income, length of employment, your payment history and credit scores. Is your income high and stable enough to manage sizeable monthly payments? Do you have a permanent job or tend to change it? The latter is not a good mark for the creditor.
Do you have a long-term and favorable credit history, which speaks on your responsibility and capability to manage credit and benefit from it? If all these factors comply with the creditor`s expectations, be sure, a high limit card will rest in your wallet soon. And then, be ready for a bunch of additional benefits and rewards enforcing the paying power of a high limit plastic!

Explore Your Spending Power
with High Limit Card

Here you are! Your excellent credit rating offers you a special benefit - a high limit credit card - which distinguishes your special status and grants you a big spending power. What do you think about in the first place when you become owner of, say, $30 000 of available credit? Going on a spending spree? Investing the money in a high-yield saving account?
Don`t go on a hasty decision. High limit is by no means issued for unlimited spending, especially as it is initially meant for responsible and rational customers. Nevertheless, higher credit limit does imply a much greater capacity for your spending pursuits.
Shopping on a regular basis, you will be able to afford more expensive purchases and earn more rewards. You shouldn`t think that a high limit on your credit card is the greatest, most valuable benefit. Zero Intro or low regular APR on purchases, no annual fees and numerous perks will rejoice you just as well.
So, once you make sure that your credit is just perfect for a high limit card offer, your hardest task will be to choose the most appropriate card from the immense variety offered by the market. Remember that your card spending power depends not only on the extended credit line but also on the occurrence and amount of various fees and rates.
If you want to make a really profitable deal, compare high limit credit cards in detail, paying special attention to penalty fees and other hidden charges. To keep your great spending power, make sure that you not only choose a lowest rate, no fee credit card, but that you make all your payments in full and on time and never exceed your high credit limit.

No Pre-set Limit -
No Spending Restrictions?

A no pre-set limit plastic might be considered as a much more valuable benefit than a high limit card. Ok, but you will need some proof.
In fact, dropping some peculiarities which we`ll dwell upon later, a no pre-set limit card is a great deal. Your good credit records and more than reasonable credit management are so significant for a creditor that it allows you to set your own credit limit based on your personal spending pattern.
You know the maximum amount you can afford and you make it your spending limit. What can be greater for your budget and spending pursuits? However, there are some things that you should watch out for using a no pre-set limit plastic.
First, you should pay your monthly credit card bills in full and on due time. Second, do not be misled by the combination "no pre-set limit". Such type of credit does require a certain limit to be set which is necessary for your credit utilization calculation.
In case with a no pre-set limit card, credit bureaus will use your highest monthly balance as a credit limit to calculate credit utilization. As your credit score depends on how you utilize credit, it`s important to know the tactics. Put up a big purchase on your card and make it your limit. Then, make all other purchases, spending no more than 30% of the limit you`ve set.
So, certain restrictions do apply. Follow them and you`ll preserve your good credit and high scores.

Immediate Credit Card
Care Service

If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

The latest questions of Immediate Credit Card Care Service

Would applying for card affect my credit?

Yes, your credit score may change. First of all, when you apply for a credit card, an issuer will make a hard pull to see your credit report(s). Once you are approved, a new credit account will appear on your credit reports. This will shorten your overall credit history, increase your overall available credit, and lower you overall debt-to-credit ratio. All these things will cause a positive or ne...

I am a student. I have a checking account but I am unemployed. Can I use my father as a co signer since he supports me?

Yes, you can. You can also apply for a student credit card without a co-signer. If a credit card issuer decides you need a co-signer, you will be notified....

see all questions ...
The right credit line for fair credit score

The Right Limit for Fair Credit Customers

All cardholders are striving to have as much of available credit as possible. The general thinking is - the higher the limit, the better it is for my credit scores. Not quite so. The wellbeing of your credit rating is determined by a credit card offer which is best for your individual financial standing, credit capacity and solvency.
If your credit needs some improvement at the moment, a highest limit plastic will not benefit you, as it is not affordable. What is the right credit limit for your payment records? Today, lots of card companies provide acceptable deals for fair credit customers. Offering moderate credit lines, such deals are really well though out. Why? Because the credit limit of $3000 is big enough to make purchases and small enough to hold you in leash when it comes to making credit management decisions.
In fact, a fair credit limit might be a powerful tool for improving your credit records. It makes you disciplined and responsible - the indispensable qualities required for achieving a favorable credit rating.
With the right limit for you credit rating, you also get some benefits typical of a good credit card. Introductory rates ad no annual fees will be just as helpful on the way to a new, improved credit history.

Apply for credit limit increase. Even with bad credit card!

Credit Limit Increase for Bad Credit Customers

If your bad credit allows you to qualify for no more than, say $300 credit line, there`s no need to give way to despair. Your creditor puts this limit restriction on your credit card and your creditor may easily take it off. First, however, you must go through the special bad credit program designed to help restore good payment records.
As you use your bad, low limit credit card from month to month and demonstrate discipline and reason, you get more chances for your limit to be increased. So, it all happens at one go - improved credit behavior, increased credit limit, better credit status and greater loyalty of creditors.
As a bad credit applicant, you might be charged a not so favorable APR as you might have expected, and certain fees but as you improve your records by moderate spending and timely bill payments, you can bargain the rates to your advantage. Along with increased credit limit, better rates will make it easier for you to move to a new, more favorable stage of your credit history.

Copyright © 2006-2022
All Rights Reserved is an independent, advertising-supported web site. is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. does not offer, review or present all available credit offers.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.

Disclosure: Not an access card.