Which credit cards use Experian only?

Question

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad (300) credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

This isn’t your only option, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,500+ offers. And we selected our favorite easy-to-get offers.… read full answer

Here are some of the easiest unsecured credit cards to get approved for:

Rewards: Credit One Visa.

Small businesses: Capital One Spark Classic for Business.

No credit: Capital One Platinum Credit Card

No annual fee: Petal® 2 Visa® Credit Card.

Easiest store card: Fingerhut Credit Account.

Students: Journey Student Rewards from Capital One.

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.

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Answer 1 · 2020-04-28 18:16:15

Paddy Sullivan, WalletHub Credit Card Advisor

@PaddySully • 04/28/20 This answer was first published on 03/20/18 and it was last updated on 04/28/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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 borrowers (TransUnion and Equifax are the other two). Experian does not issue credit cards. But whenever you apply for a credit card, the issuer will request your credit report from Experian or one of the other major credit bureaus to see if you meet the criteria for approval. The issuer may even pull reports from two bureaus, or all three in some cases.

When a credit card issuer pulls your full credit report from Experian or one of the other bureaus, that is known as a hard inquiry. These inquiries will temporarily lower your credit score, but your score should bounce back quickly as long as you keep making on-time payments and using your credit responsibly.

Answer 2 · 2018-04-09 18:14:23

Wesley Smith, Member

@wesleysmith_1 • 04/09/18 This answer was first published on 04/09/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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There's no point thinking about this stuff. Every experience is different, and you can't really force them to pick a bureau that you like. Some have tried freezing independent bureaus to try and coerce lenders, but it's a risky move that might get your application shut down.

If you checked up and cleaned all 3 up, then it won't matter what they choose.

Which credit cards use Experian only?

Paddy Sullivan, WalletHub Credit Card Advisor

2022's Best Credit Cards

Wesley Smith, Member

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