High-limit secured credit cards

Some providers allow as high as $10,000 — some have no limits.

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With some secured credit card, you can get a substantial limit with a large deposit. While maximum limits can vary, certain providers have no caps on deposits.

High-limit secured credit card credit limits

Secured-card credit limits aren’t uniform. You may find credit cards with maximum limits from $1,000 up to $10,000, and others cards with no maximum limits at all.

Your credit limit for a secured credit card is usually equal to the amount of your security deposit. For example, if you deposit $200, your credit limit is $200, and a high credit limit of $5,000 requires a $5,000 deposit.

Our pick for a $2,500 limit

Citi® Secured Mastercard®

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi’s discretion.
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Compare high-limit secured credit cards

Here’s a list of cards that offer high maximum deposits. Note that while the DCU Visa® Platinum Credit Card and SDFCU Savings Secured Visa Platinum Card are listed as having no maximum deposits, this is subject to change based on the credit unions’ discretion.

CardMinimum depositMaximum depositAnnual fee
DCU Visa® Platinum Credit Card$500Unlimited*$0
SDFCU Savings Secured Visa Platinum Card$250Unlimited*$0
Wells Fargo Secured Credit Card$300$10,000$25
U.S. Bank Secured Visa® Card$300$5,000$29
Green Dot Platinum Visa® Secured Credit Card$200$5,000$39
Green Dot primor® Visa® Classic Secured Credit Card$200$5,000$39
Green Dot primor® Mastercard® Classic Secured Credit Card$200$5,000$39
Green Dot primor® Visa® Gold Secured Credit Card$300$5,000$49
BankAmericard® Credit Card$300$4,900$0
OpenSky® Secured Visa® Credit Card$200$3,000$35
Merrick Bank Secured Visa® from Merrick Bank$200$3,000$36
Discover it® Secured$200$2,500$0
Citi® Secured Mastercard®$200$2,500$0

Benefits of a high-limit secured credit card

  • Flexibility.
    You’ll have more room to increase your credit limit if you need to.
  • flexible approval.
    If there are weaknesses on your credit report, other providers might not give you high starting limits. By opening a high-limit secured card, you can give yourself a substantial limit.
  • Refundable security deposit.
    No matter what you deposit, your money is almost always refundable as long as you’re not in default.

What to watch out for with a high-limit secured credit card

  • Your credit limit is based on your security deposit.
    While a high-limit secured card might sound enticing, remember that you get a substantial limit only if you’ve given your provider a large amount of funds. This money typically doesn’t earn you interest like a savings account would.
  • Annual fees.
    Many secured cards with high limits come with annual fees of $25 to $49, though you’ll find select products without annual fees.
  • High APRs.
    While it might be tempting to run up high balances if you have a high credit limit, secured cards often have higher-than-average APRs. This means your card debt could accumulate faster than you think.
  • Consider paying off your debt instead.
    If you’re willing to put down the money to get a high credit limit, consider whether the funds would be better spent clearing your existing debt. By lowering your current balances, you’ll improve your credit utilization ratio, which will help your credit score and potentially qualify you for better cards.

Compare secured credit cards

Name Product Annual fee Purchase APR Minimum credit limit Maximum credit limit
Citi® Secured Mastercard®
$0
23.99% variable
$200
$2,500
A no annual fee secured card for people who are new to credit or have limited credit history with a fair to average credit score.
OpenSky® Secured Visa® Credit Card
$35
18.89% variable
$200
$3,000
A secured Visa® credit card that helps you build your credit quickly.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
$48
9.99% fixed
$200
$1,000
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
CardMatch™ from creditcards.com
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Can't decide on a card? Get personalized credit card offers with CardMatch™.
First Progress Platinum Elite MasterCard® Secured Credit Card
$29
19.99% variable
$200
$2,000
Build your credit with all three major credit bureaus.

Compare up to 4 providers

Bottom line

Secured-card limits vary widely, often from $1,000 to $10,000. With some providers, you’ll find no maximum limits.

There are many great secured credit cards to choose from, so take your time and compare multiple options.

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