Theresa Chalfant, Writer
@theresa_chalfant
There’s a good chance that any business credit card you apply for will pull from Experian, since it’s one of the three major credit bureaus, along with Equifax and TransUnion. Reports from any or all of these bureaus can be pulled when you apply, depending on which state you live in, among other factors.
Best Business Credit Cards That May Pull from Experian
- Overall: Ink Business Cash® Credit CardLearn MoreLearn More
- Overall: Ink Business Cash® Credit CardLearn MoreLearn Moreon issuer's website
- Overall: Ink Business Cash® Credit CardLearn MoreLearn More
- Rates & Fees Bonus Rewards: Ink Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Bonus Rewards: Ink Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
- Bonus Rewards: Ink Business Preferred® Credit CardLearn MoreLearn More
- Rates & Fees Travel Rewards: U.S. Bank Business Altitude® Connect Visa Signature® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel Rewards: U.S. Bank Business Altitude® Connect Visa Signature® CardLearn MoreLearn Moreon issuer's website
- Travel Rewards: U.S. Bank Business Altitude® Connect Visa Signature® CardLearn MoreLearn More
- Best for Startups: Capital One Spark Classic for BusinessLearn MoreLearn More
- Best for Startups: Capital One Spark Classic for BusinessLearn MoreLearn Moreon issuer's website
- Best for Startups: Capital One Spark Classic for BusinessLearn MoreLearn More
- Rates & Fees Cash Back: Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back: Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
- Cash Back: Capital One Spark Cash PlusLearn MoreLearn More
- Overall:
- Bonus Rewards:
- Travel Rewards:
- Best for Startups:
- Cash Back:
Keep in mind that these business cards may pull your credit report from any of the credit bureaus, or from more than one of them. It depends on factors such as where you live and what agreements the credit card issuer has with the bureaus.
Business Cards With No Personal Guarantee
There are a few business credit cards that don’t require a personal guarantee and won’t check your personal credit, but these are typically only available for large corporations. These cards may pull your business credit reports from Experian or another bureau instead.
You can check your personal credit score for free on WalletHub and get personalized advice on how to improve.
People also ask
Which credit cards use Experian only?
Some credit cards that use Experian only reportedly include Chase Sapphire Preferred and the Citi Premier Card, among others. There’s no guarantee these credit cards use Experian 100 percent of the time. But based on comments from various consumer forums, there seems to a good likelihood that when you apply, your Experian credit report will be pulled.
Experian is one of the “big three” credit bureaus responsible for evaluating the creditworthiness of millions of...
read full answer by Paddy Sullivan, WalletHub Credit Card AnalystDo Chase business credit cards pull from Experian?
Yes, Chase business credit cards pull mainly from Experian, according to customer service. However, they can also pull from TransUnion or Equifax. Unfortunately, there is no way to know beforehand which bureau will be used, because the selection criterion is not disclosed by Chase. So, before applying for a Chase business card, it would be recommended to check your credit reports from all three major credit bureaus. You can do that by going to annualcreditreport.com.
After your...
read full answer by John Miller, Credit Cards ModeratorWhat are the best Experian credit cards?
Some of the best credit cards that pull from Experian include the Capital One Venture Rewards Credit Card (see details, rates & fees) and the Wells Fargo Active Cash® Card. These two cards will give you a good chance of having your Experian report pulled when you apply, based on anecdotal evidence.
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...
read full answer by Lisa Cahill, Credit Cards ModeratorDid we answer your question?
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