$300 Credit Card With Bad Credit and No Deposit
If you have bad credit and want a $300 credit card without making a security deposit, an unsecured credit card may provide the credit you need. The FIT Platinum Mastercard is one example. Its terms show a $400 credit limit with $301 initially available, which can provide more than $300 in initial available credit without requiring a security deposit.
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Can You Get a $300 Credit Card With Bad Credit and No Deposit?
Yes. An unsecured credit card does not require a security deposit, and some cards for people with bad credit can provide a credit limit of $300 or more.
One example is the FIT Platinum Mastercard, which has a $400 credit limit example in its terms with $301 initially available after applicable fees are assessed. That makes it relevant if you are looking for at least $300 of available credit without putting down a deposit.
FIT Platinum Mastercard
The FIT Platinum Mastercard is an unsecured credit card for people with less-than-perfect credit. The card's terms provide the $400 credit limit and $301 initial available-credit example described above.
If you want the details about the FIT Platinum Mastercard, including its fees, credit terms, and other features, see our full review.
➤ Read Our FIT Platinum Mastercard Review
Why Is the Credit Limit $400 Instead of $300?
The FIT example is useful because the card does not have to assign exactly a $300 credit limit to provide at least $300 of initial available credit. Its terms show a $400 credit limit with $301 initially available.
If you want to understand how the $400 credit limit becomes $301 of available credit, see our explanation of how a $400 credit limit leaves $301 available.
Looking for a $300 Credit Card With No Deposit?
If your goal is to get at least $300 of credit without making a security deposit, an unsecured card such as FIT is one option to consider. Before applying, review the card's current terms and make sure you understand the costs and conditions.
Ready to look at the offer? ➤ Get a $300 Credit Card With Bad Credit and No Deposit
If you are trying to determine how to get a $300 credit limit with bad credit in general, including both secured and unsecured options, see our guide to how to get a $300 credit limit with bad credit.
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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