Credit Card With $5,000 Limit With Bad Credit (2024)

The best credit card with a $5,000 limit for bad credit is Bank of America® Travel Rewards Secured Credit Card. You can make a deposit from $200 up to $5,000 on the Bank of America Travel Secured Card, making your credit limit equal to that amount. The card also offers 1.5 point per $1 spent and has a $0 annual fee.

A secured credit card’s credit limit is equal to the deposit amount, and while most of these cards don’t allow deposits as high as $5,000, there are some that do. These cards can help you rebuild your credit and eventually qualify for an unsecured $5,000 credit card limit.

Best $5,000 Limit Credit Cards for Bad Credit

• Minimum deposit/limit: $200
• Annual fee: $0
• Regular APR: 29.24% (V)
• Rewards rate: 1.5 points per $1

• Minimum deposit/limit: $200
• Annual fee: $0
• Regular APR: 29.24% (V)
• Rewards rate: 1 - 3% cash back

• Minimum deposit/limit: $200
• Annual fee: $0
• Regular APR: 29.24% (V)
• Rewards rate: 1.5% cash back

• Minimum deposit/limit: $300
• Annual fee: $0
• Regular APR: 29.99% (V)
• Rewards rate: 1 - 5% cash back

• Minimum deposit/limit: $300
• Annual fee: $0
• Regular APR: 28.24% (V)
• Rewards rate: 1 point per $1

Other Ways to Get a $5,000 Limit Credit Card

Another way to get a credit card with a $5,000 limit with bad credit is to become an authorized user. When you’re an authorized user on someone else’s credit card, you’ll share a credit line with them. You’ll also rebuild your credit if the primary cardholder pays the bills on time.

If you go for a secured card, your credit limit is (almost always) equal to your deposit. So, depositing more money can give you a higher limit. However, the issuer will usually approve a personal maximum deposit for you. This may be below the card’s overall maximum, depending on your income and credit history.