Best Guaranteed Approval

Credit Cards with $10000 Limits for Bad Credit No Deposit Of 2023

In 2023, many news outlets reported the financial landscape’s dramatic shift with the introduction of guaranteed approval credit cards with $10000 limits for poor credit and no deposit. This groundbreaking development has caught the attention of various news organizations, who are eager to report on the incredible credit card commentary opportunities these cards present to consumers.

Unfortunately, based on advertiser disclosure in the financial industry, any credible credit card company will tell you why guaranteed approval for $10000 doesn't exist.

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Firstly, it is too hard to find a lender who will provide a 100% approval rate. Even if you see such advertisements on a particular web site or if other media outlets tell you it’s possible, you should be VERY cautious about them.

Such tempting offers exist, BUT you HAVE to meet some requirements that reduce the level of risk for the lender.

Guaranteed credit approval cards with $10000 spending limits for poor credit sound too good to be true. You have to look thoroughly to find this happy ticket. Mostly, you will see a starting spending limit of $300 (plus fees).

Unfortunately, you should accept the truth – it’s almost impossible to get an unsecured one with a $10,000 limit with a poor credit fast. Still, you have a couple of similar cards with high limits on spending for people with bad scores:

  1. AeroMexico Visa® Secured Card with a $300 to $5,000 limit.
  2. Harley-Davidson® Secured Card with the same limit.
  3. First National Bank of Omaha Secured Visa® Card with the same limit.
  4. First National Bank of Omaha Secured Visa® Card with a $200 to $3,000 limit.
  5. Discover it® Secured Card – No Fee Per Annum with a $200 to $2,500 limit.

The Wells Fargo Secured Visa card with a $300 to $10,000 limit (same as the deposit) is the most beneficial for you.

Indigo® Unsecured Mastercard®

The Indigo® Unsecured Mastercard® is designed for people who have a bad score. This card offers an opportunity to improve your credit while still enjoying the benefits. It is a valuable tool for those who want to rebuild their reputation and establish their cards account history positively.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
Intro $7
Then $99
N/A 24.90% - 29.90% NA $300

Key Features

One of the critical features of the Indigo® Unsecured Mastercard® is that it’s an unsecured credit card. This means that you don't need to provide a security deposit to get the card. Instead, your limit on credit is determined by your creditworthiness.

Another great feature of this card is that it reports to each major credit bureau. This means that your responsible use of the card will be reflected in your credit history and can help improve your score.

The Indigo® Unsecured Mastercard® also offers a pre qualification process to see if you are eligible without affecting your credit score. This feature is especially helpful for those who are concerned about their score and want to avoid further damage to it.

Pros and Cons


  • Offers the opportunity to rebuild your FICO score
  • Accepted at millions of locations worldwide
  • Offers fraud protection and zero liability for unauthorized purchases
  • Organize your account online to monitor spending and payments


  • Relatively high fee per annum, which can be a burden for those who are already struggling with their finances
  • High APR, which means that if you carry a balance, you will be paying a significant amount of interest
  • Doesn't offer any rewards or cashback program, which can be a downside for those who are looking for additional benefits from their credit card
  • The minimum credit score requirement of $300 can still be a hurdle for some individuals with extremely poor credit

Total Visa® Card

The Total Visa Card is a versatile and convenient financial tool designed to cater to a wide range of consumer needs. With a host of valuable features, this card enables cardholders to enjoy seamless transactions, manage their finances efficiently, and even rebuild their credit.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
$75 $6.25 maintenance fees (free for the first year) 34.99% N/A $300

Key Features

One of the most notable features of the Total Visa® Card is its ability to cater to individuals with poor to fair credit scores. By offering an accessible solution, this card empowers users to rebuild their financial standing over time through responsible usage and timely payments.

Furthermore, as the Total Visa® Card reports to all three major credit bureaus, cardholders can rest assured that their efforts to improve their rating will be duly recognized due to its credit builder features.

Another key selling point of the Total Visa® Card is its simplicity and ease of use. With a straightforward application process, users can quickly obtain their card and start making purchases.

Pros and Cons


  • Efficient online platform
  • User-friendly interface
  • Good for poor credit


  • Fees (program fee- $89) can add up over time and may not be suitable for those with budget constraints
  • High interest rate might be an issue for users who want to carry a balance

Reflex® Platinum Mastercard®

As advertised in popular news outliers, the Reflex® Platinum Mastercard® is an optimal solution for individuals seeking to build or rebuild their financial history. This unsecured card has been specifically designed to cater to the financial needs of those with poor scores.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
$120 NA 29.99% NA $300

Key Features

The Reflex® Platinum Mastercard® comes with a host of impressive features that offer convenience, security, and financial flexibility. First and foremost, the card boasts a pre qualification process that does not negatively impact your score.

This ensures that prospective cardholders can assess their eligibility with confidence. Additionally, the card offers an initial limit on credit of $300 to $750, depending on individual creditworthiness.

Furthermore, the Reflex® Platinum Mastercard® offers a comprehensive suite of security features, including fraud protection, zero liability for unauthorized purchases, and ID theft resolution services, to safeguard your account from unauthorized transactions

Pros and Cons


  • Reports to each major credit bureau – Equifax, Experian, and TransUnion – ensuring that responsible usage is recognized and rewarded
  • Potential for a credit limit increase after six months of timely payments
  • Sign up for e statements and get a Vantage 3.0 score from Experian


  • Higher fee per annum, which may deter budget-conscious individuals
  • A lot of fees for what is basically a builder card: processing fees, setup fees
  • Lack of rewards or cashback programs may be a deterrent for some potential cardholders, as these incentives are commonly found in other card types, especially business credit cards for business owners interested in rewards

FIT® Platinum Mastercard®

The FIT® Platinum Mastercard® is a credit store card designed for those looking to rebuild or establish a strong credit history. This card, issued by the Bank of Missouri, caters to individuals with fair or poor scores, offering them an opportunity to improve their financial standing.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
$99 $6.25 maintenance fee 29.99% NA $400

Key Features

One of the key features of the FIT® Platinum Mastercard® is its accessibility to those with poor credit. Unlike many other cards, the FIT® Platinum Mastercard® does not require a security deposit amount, making it an unsecured card.

This is a significant advantage for potential cardholders who may not have the funds available for a secured card deposit. Additionally, the application process is relatively simple, with a quick online application form and response typically received within seconds of submission.

The FIT® Platinum Mastercard® also lacks a rewards program, which may be a downside for some consumers. However, remember that the primary purpose of this card is to assist in establishing credit rather than earning rewards or cashback.

Pros and Cons


  • Designed for credit-building, this card reports to each major credit bureau – Equifax, Experian, and TransUnion. This is crucial for individuals looking to improve their FICO scores, as consistent on-time payments and responsible financial usage will be reflected positively in their credit reports
  • Fraud liability
  • Modest limit on credit, which can help cardholders manage their spending and credit utilization rate more effectively


  • High fee per annum and APR (29.99 APR variable) which can lead to significant interest charges if cardholders do not pay off their balances in full each month
  • Doesn’t offer any rewards or cashback programs, which may be disappointing for those who value such incentives

OpenSky® Secured Visa® Credit Card

The OpenSky Secured Visa Credit Card is a popular financial tool designed to help consumers with limited or no borrowing history establish a strong financial foundation. Offering a simple and effective way to build financial stability, the OpenSky® Card has become a go-to choice for many people with a limited credit history.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
$35 NA 21.89% NA $200

Key Features

The OpenSky® Secured Visa® operates as a secured credit card, which means that you need to provide a security deposit as collateral to open the account. The deposit loan amount ranges from $200 to $3,000 and determines your credit limit.

This feature allows you to have more control over your spending limit and to maintain a low credit utilization ratio, which is beneficial for your score. Unlike many secured credit cards, the OpenSky® Card doesn't need a credit check when you apply.

This is a significant advantage for those with poor or no credit history, as it eliminates the possibility of a hard credit inquiry negatively affecting your score. Additionally, the card reports your payment history to each major credit bureau (Equifax, Experian, and TransUnion), ensuring that your responsible usage is reflected in your credit file.

Pros and Cons


  • Excellent option for score building due to its accessibility and reporting to each major credit bureau
  • User-friendly mobile account access and mobile app, allowing you to manage your credit account, make payments, and monitor your credit progress
  • Absence of credit checks makes it easier for individuals with less than perfect credit to obtain the card and start working on improving their score


  • Fee per annum of $35. While this setup fee is relatively low compared to some secured cards, it’s still an additional cost to consider
  • Doesn't feature any automatic upgrade or graduation to unsecured credit cards, meaning you will need to apply

Revvi Card

The Revvi Card is a cutting-edge financial product designed to cater to the diverse needs of consumers in today's fast-paced and dynamic world. With an increasing number of people relying on digital platforms for their financial transactions, the Revvi Card has emerged as a top contender in the market.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
$48 after the first year
NA 34.99% 1% cashback $300

Key Features

To begin with, the Revvi Card offers a rewards program that allows users to earn 1% cashback on their everyday purchases. This cash can be redeemed for statement credits or various offers, including discounts on shopping, dining, travel, and more.

Another noteworthy feature of the Revvi Card is its commitment to financial education and responsible credit use. This credit card issuer offers a range of educational resources and tools to help users understand credit management, budgeting, and overall financial wellness. This focus on financial literacy sets the Revvi Card apart from others in the market, making it an ideal choice for those looking to build or improve their score.

Pros and Cons


  • Free monthly credit monitoring service, enabling users to stay on top of their credit profile health
  • User-friendly mobile app to track spending, set up alerts for account activity, payment activity, and even freeze the card in case of loss or theft
  • Focus on financial education and responsible borrowing use


  • Rewards program may not be as lucrative as some of its competitors, and users may find better rewards rates elsewhere
  • The fee per annum might deter some potential users who are looking for a no annual fee option

Surge® Platinum Secured Mastercard®

The Surge® Platinum Secured Mastercard®, offered by the Celtic bank, is an excellent option for those seeking to build or improve their credit. Its key features, such as monthly notifications to credit reporting agencies, rewards program, and low initial deposit requirement, make it an attractive choice for individuals who may have trouble qualifying for other cards.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
$99 after the first year
NA 29.99% 1% cashback $300

Key Features

One of the primary features of the Surge Platinum Mastercard is its secured nature, which means that cardholders are required to put down a refundable security deposit when they open an account. The deposit acts as collateral, assuring the card issuer that they will be repaid in case of defaults.

It typically ranges from $300 to $1,000. And when you put this down, your 1,000 credit limit doubles in value, plus it's refundable when the account is closed or upgraded to an unsecured card, provided the cardholder has maintained a good payment history.

Another key feature is the ability to earn rewards points on everyday purchases. Cardholders receive one point for every dollar spent, which can be redeemed for cash back rewards, travel, merchandise, and more. This added incentive helps promote responsible spending while providing an opportunity to get more value out of the card

Pros and Cons


  • Credit limit increases over time (initially, a 1,000 limit on credit doubles to $2,000 after six on time monthly repayments)
  • Financial builder options
  • Reports to each major credit bureau (Equifax, Experian, and TransUnion) monthly


  • Lacks certain features that are commonly found in other secured cards, such as a grace period for interest-free payments
  • Relatively high annual percentage rate and a higher fee per annum that kicks in after the first year

PayPal Prepaid Mastercard®

The PayPal Prepaid Mastercard® has steadily gained popularity in recent years, as more people recognize the convenience and flexibility of this financial tool (The New York Times and the Atlanta Journal Constitution). It’s a unique financial product that combines the convenience of a credit card with the functionality of a prepaid debit card- but without any signup bonuses.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
NA $4.95 Credit depending NA $10

Key Features

Unlike traditional cards, which require a credit check and often come with high interest rates, the PayPal Prepaid Mastercard® allows users to load funds onto the card and use those funds for purchases, bill payments, and American Express ATM withdrawals.

This means that cardholders can enjoy the convenience of a card without the risk of accumulating debt or damaging their credit ratings. A notable feature of PayPal Mastercard® is its seamless integration with your PayPal account.

This makes it easy to transfer funds to and from debit cards, keep your balance low, and track your spending. Additionally, cardholders can receive direct deposits to their card, such as paychecks or government benefits, which can save time and money compared to traditional check-cashing services.

Pros and Cons


  • As a Mastercard® product, this card is accepted at millions of locations worldwide, as well as online and in-app purchases
  • Fraud protection features, ensuring that funds are secure in the event of unauthorized transactions
  • Valuable perks and benefits, including cashback rewards, referral bonuses, and a mobile app


  • Fees associated with the card, include monthly service fees, ATM withdrawal fees, and foreign transaction fees
  • Lack of a credit-building feature - it’s catered more towards those with bad scores rather than those wanted to improve it

Destiny Mastercard®

The Destiny Mastercard® is an unsecured card designed to cater to individuals who are looking to build or rebuild their financial history. This card, issued by Genesis FS Card Services, has gained significant popularity among consumers due to its easy application process, no application fee or foreign transaction fee, and credit reporting benefits.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
$59-$99 NA 24.90% NA $300

Key Features

One of the most attractive features of the Destiny Mastercard® is its hassle-free application process. Potential cardholders can pre qualify without impacting their score, making it an ideal choice for those who are concerned about hard inquiries affecting their credit rating.

Additionally, the Destiny Mastercard® does not require a security deposit, which is a significant advantage over other debt-reduction that necessitate cash collateral upfront.

Pros and Cons


  • Reports to each major credit bureau – Experian, Equifax, and TransUnion – allow users to demonstrate responsible credit usage and timely payments, which can ultimately contribute to an increase in their scores over time
  • No security deposit requirement
  • Free access to an online account too, allowing cardholders to monitor their credit utilization, payment history, and account balance with ease


  • High fee per annum, which ranges from $59 to $99, depending on the applicant's credit worthiness
  • Doesn’t offer any rewards or cashback programs, which may be a deal-breaker for consumers who are looking for more than just a credit building tool

Capital One Platinum Secured Credit Card

This card is a popular financial product designed for individuals looking to build or rebuild their financial history. This card offers a unique blend of features and benefits, making it an attractive choice for individuals seeking a secured card to improve their financial standing.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
NA NA 29.74% NA $200

Key Features

This card stands out from its competitors due to its flexible security deposit requirements and potential access to a higher credit line. Unlike other secured cards that require a hefty deposit, the Capital One Platinum offers a minimum security deposit of as low as $49, $99, or $200, depending on your financial status.

This deposit secures the credit lines, which start at $200 and can increase to a maximum of $1,000 after making your first five monthly payments on time. This feature allows cardholders to enjoy financial flexibility while building their score.

Pros and Cons


  • Lack of annual fees. This is a significant advantage for cardholders, as it minimizes the cost of maintaining the card
  • Excellent option for credit building
  • Offers access to CreditWise, a free credit monitoring tool from Capital One, which aids cardholders in understanding and tracking their score progress


  • Doesn’t offer any rewards or cashback program, which might be a dealbreaker for some potential applicants
  • Interest rate can result in substantial interest charges for cardholders who carry a balance from month to month

NetSpend® Visa® Prepaid

The NetSpend® Visa® Prepaid card is a flexible, easy-to-use financial solution designed for those who seek convenience and control over their everyday spending. This innovative financial product offers a wide array of features that you can access even without a bank account or checking account.

Fee Per Annum Fee Per Month Regular APR Rewards Minimum credit
NA $9.95 5% Cashback on eligible purchases NA

Key Features

One of the most appealing features of the NetSpend® Visa® Prepaid card is the absence of a credit check, which means that you don't need a stellar financial history to obtain and use this card.

This allows individuals who are new to building credit to enjoy the benefits of a prepaid card without being weighed down by the constraints of traditional credit card companies. Besides, the NetSpend® Visa® doesn't require bank accounts or a savings account, or other credit card information, making it an excellent option for those who prefer to keep their financial transactions separate from their primary bank.

Pros and Cons


  • Mobile app that allows you to monitor your account balance, transaction history, and more from the convenience of your smartphone
  • Extensive acceptance- as a Visa-branded card
  • Customizable alerts that notify you of important account activity


  • Various fees associated with using the card, including a monthly service fee, ATM withdrawal fees, and fees for certain inactivity periods
  • Lack of rewards or cashback programs typically associated with traditional cards.

Can I Get a Card with a $10,000 Limit if I Have Bad Credit?

The truth is, getting a card with such a high limit can be quite challenging if you have a poor credit history. But, if you're a student at New York University or a resident of the bustling city, worry not, as we’ve done the research for you.

Credit card issuers typically base their decisions on factors such as your FICO score, payment history, and overall financial stability. When your score is less than stellar, it's difficult to convince lenders, like a credit union, that you are a reliable borrower who deserves a substantial credit line increase.

However, this doesn't mean it's impossible to achieve. While it might be an uphill battle, there are a few strategies you can employ to increase your chances of getting a high-limit card despite your bad score.

  1. First, focus on improving your score by paying down existing debts, ensuring timely bill payments, and avoiding any new hard inquiries on your credit report. This will demonstrate your ability to responsibly manage credit.
  2. Another option is to consider secured cards, which require a deposit that serves as collateral. They often have more lenient credit card approval requirements, such as income requirements, making it easier for individuals with bad scores to get approved for them.

What Is Considered Bad Credit?

A credit score measures a person's financial background. Lenders use this data to assess the risk associated with extending loans to that person. What is considered poor credit? Generally, a score below 580 is considered poor, making it more difficult to secure loans or favorable interest rates.

Calculating these scores is a complex process that involves evaluating multiple factors that impact an individual's financial behavior. Among the most widely accepted scoring models is the FICO Score, which combines five factors:

  • Payment history (35%)
  • Utilization (30%)
  • Length of financial history (15%)
  • Types of credit in use (10%)
  • New loan inquiries (10%)

Each of these factors weighs differently in determining your overall score.

  • Payment history reflects your consistency in meeting financial obligations on time
  • Utilization, or the ratio of your outstanding debt to available credit, needs to be kept low. This demonstrates responsible financial management
  • The length of your financial history helps lenders gauge your experience in handling debt over time
  • A diverse mix of credit types, such as mortgages, auto loans, and cards, indicates that you can manage various financial products effectively
  • New credit inquiries can impact your score, as frequent applications for new loans may signal financial distress

What Is the Easiest Credit Card to Get With Bad Credit?

Choosing the easiest card to get involves understanding your individual needs, conducting thorough research, and critically evaluating various credit card options.

  1. Begin by assessing your financial goals- whether you want to improve your score, secure a card with a low fee per annum, or gain access to a higher card limit.
  2. Next, research credit cards for bad credit. These cards have lower limits and higher interest rates but can be a stepping stone toward rebuilding credit.

When comparing card options, pay close attention to factors such as interest rates, card fees, and reward programs. Secured cards, for example, may require a refundable deposit, but they can provide an opportunity to demonstrate responsible credit usage.

Examples of such cards include the Capital One Secured Mastercard credit card, First Progress Platinum Prestige Mastercard secured credit card, and the Discover it Secured card. Additionally, consider cards that offer pre-qualification checks without impacting your scores, such as the Indigo Mastercard or the Credit One Bank Platinum Visa.

Pros And Cons of Guaranteed Approval Credit Card with $10,000 Limits

In this comprehensive examination, we'll explore the advantages and disadvantages of having such a high limit.


  • One of the most significant benefits of a $10,000 limit card is the increased purchasing power it provides. With a higher limit, cardholders can make larger purchases, consolidate debt, or even finance significant life events such as a wedding or home renovation
  • Responsible use of these cards can lead to a higher score, as maintaining a low utilization ratio (the amount of credit used compared to the available credit limit) positively impacts one's rating
  • Many come with attractive rewards programs, offering perks such as cashback, travel points, or exclusive discounts with partner merchants. These incentives can make your spending more rewarding and help you save money in the long run


  • The most obvious concern is the temptation to overspend, as having access to a large line of credit may lead some individuals to make and take impulsive or unnecessary cash advances. This can result in high card balances, which can be difficult to pay off and may lead to costly interest charges
  • They have higher interest rates and annual fees, which diminish the value of any rewards if the balance is not paid off in full each month
  • If a cardholder is unable to manage their spending and falls into significant debt, it can have long-lasting negative impacts on their score and overall financial health

How to Choose Best Guaranteed Approval Credit Card with $10,000 Limits

When it comes to selecting the best $10,000 credit card, the first point to consider is the Annual Percentage Rate (APR). Start by browsing through reliable sources like Reader's Digest to gather information. Then, carefully review factors (subject to available credit) such as:

  • The APR represents the annual interest rate you'll be charged on any outstanding balance. You'll need to look for a card with a competitive APR to minimize interest costs, especially if you plan on carrying a balance
  • Next, evaluate the fees associated with the card. This may include annual fees, balance transfer fees, foreign transaction fees, and cash advance fees. Some cards offer a waiver or reduction in fees as an introductory offer, so be sure to factor this into your decision. Ideally, opt for a card with low fees to maximize the benefits
  • Generally, a higher score will grant you access to cards with better rewards, lower interest rates, and more attractive perks. Ensure you know your score and research the minimum score requirements for the card you're interested in
  • Consider the reliability of the issuing firm. A reputable company will have a history of excellent customer service, transparent terms and conditions, and a solid track record in the financial industry. Research customer reviews, industry awards, and any potential red flags

Alternatives to Guaranteed Credit Cards

While a $10,000 limit card may seem like the ultimate solution, there are several alternatives that provide similar benefits without the potential risks associated with high credit limits.

  • A secured card is an excellent choice for individuals looking to build or rebuild their score. With this, you'll need to provide a cash deposit, which will act as collateral and determine your limit.
  • Another alternative is using a charge card, a type of card that doesn't come with a preset spending limit. Instead, you're required to pay off the balance in full each month, effectively eliminating the risk of accruing long-term debt
  • A low interest personal loan to cover significant expenses. Personal loans often have lower interest rates than cards, making them a more cost-effective option for borrowing funds. Plus, they come with a fixed repayment schedule, ensuring that you stay on track with your payments and avoid falling into debt

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