Credit Cards with or Up to a $400 Credit Limit
If you have bad or fair credit, finding an unsecured credit card with or up to a $400 credit limit can be difficult. Some cards may offer this maximum limit, but your starting limit could be lower based on your credit profile. These cards are designed to help you rebuild or maintain credit safely.
Below is a list of unsecured credit cards with the possibility of a $400 limit, helping you establish credit responsibly.
Why Credit Cards with a $400 Limit Matter
For borrowers with bad or fair credit, high-limit cards are often unavailable. A $400-limit unsecured card gives you access to a manageable line of credit while minimizing risk for the issuer. Using it responsibly can help you:
- Build a positive payment history
- Improve your credit score over time
- Qualify for higher-limit cards in the future
Important Advisory: Unsecured $400-Limit Cards
These unsecured cards are designed for people with limited or poor credit seeking a manageable credit line. Approval is not guaranteed, but they can help you build credit responsibly.
Use responsibly: Keep balances low and pay on time. These cards are tools to strengthen your credit profile—not rewards cards.
These cards aren’t perfect — but if you have less-than-perfect credit and want an unsecured option, they may be one of the few paths available. The key is using them responsibly and temporarily.
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
- CLICK HERE TO APPLY ONLINE
Found this guide helpful? Save this for later as you continue your financial journey!
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.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.