Some of the best Experian credit cards include Amex Blue Cash Preferred, Chase Sapphire Preferred, and Citi Simplicity. These are cards that anecdotal evidence suggests will give you a good chance of having your Experian report pulled when you apply. But it won’t always happen. People living in different regions of the country, for example NYC and LA, might apply for the same card and have different reports checked. And the credit card industry isn’t upfront about which bureau gets pulled when, so all you can use to guide you are the reports of consumers.
Here are some of the best Experian credit cards:
Amex Blue Cash Preferred: $200 statement credit when you spend $1,000 in the first 3 months. 6% cash back on your first $6,000 per year at U.S. supermarkets. 3% cash back at gas stations and department stores, plus 1% everywhere else. $95 annual fee. Good credit needed.
Chase Sapphire Preferred: 50,000 bonus points when you spend $4,000 in the first 3 months. 2 points per $1 spent on travel and dining, 1 everywhere else. Points worth 25% more toward travel. 1:1 point transfer to airline and hotel loyalty programs. $95 annual fee waived the first year. Excellent credit needed.
Citi Simplicity: No rewards. No annual fee. 0% APR for 18 months on purchases and balance transfers. No late fees ever. Good credit needed.
Hyatt Credit Card: 40,000 bonus points when you spend $2,000 in the first 3 months. 3 points per $1 spent at Hyatt. 2 points per $1 on dining at restaurants, airfare purchased directly from airlines, and car rentals. 1 point per $1 on everything else. Free night’s stay each account anniversary. $75 annual fee. Good credit needed.
Depending on what your needs are – cash back, travel, or financing – any of these cards can be a great option. But just remember that you can’t know with 100% certainty that any of them will pull your Experian credit report, although it’s likely.
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