Sunday, June 23, 2024

Business Credit Cards that Use Experian Only

The Best Business Credit Cards According to Experian

Choosing the right credit card for your business is no easy task. It can be a daunting task, considering the various aspects to put into perspective and different choices available. One of the major considerations while choosing a company credit card is the credit scoring agency used by the issuer. Most issuers prefer Experian, one of the leading credit bureaus. These are our top 10 business credit cards that use Experian for rating them.

1. American Express Blue Business Cash Card – This has no annual fee and offers cashback rewards in form of statement credits on all purchases up to $50,000 per year. Amex Offers come with this card as well as discounts and deals from select merchants.

2. Capital One Spark Miles Select – The best thing about this card is that it has no membership fees charged annually and gives you 20,000 miles free when you spend at least $3,000 during the first three months since opening your account if you intend to start accumulating travel rewards through your business expenses.

3 . Bank of America Business Advantage Travel Rewards World Mastercard – This one lets you earn unlimited points at 1.5x on every purchase and awards 25K points after spending $1000 within ninety days from account opening. It also doesn’t have any foreign transaction charges and has an introductory balance transfer rate of zero percent for twelve months (then variable APR: between 14.49% -22.49%).

4 . Chase Ink Business Preferred Credit Card – A generous bonus of 80k points will get added to your account once you charge $5000 within three months for signing up; thereafter, earn thrice as many reward points on travel or specific business outlays per annum (up to $150k) along with cell phone coverage for theft or damage when bills are paid through this payment method.

5 . CitiBusiness AAdvantage Platinum Select World Mastercard – You are most likely to get the highest rewards if you fly with American Airlines. The card offers two miles per dollar spent on purchases of American Airlines products and 25% back on all inflight food and beverage purchases made by using this card as payment.

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6 . CitiBusiness ThankYou Preferred Card – This is especially good for those who spend a lot at restaurants or gas stations since it earns 2X points in these categories while giving an extra point per dollar everywhere else.

7 . UBS Visa Infinite Business Card – Although, this luxury card only calls for spending $3k within three months to secure the 50K Membership Rewards Points welcome bonus and can give up to 8x points in certain merchants like airlines & hotels! It also has some cool benefits like travel insurance coverage among others!!!

8 . Wells Fargo Propel American Express® Card – With zero annual fees plus a bonus of 20,000 points if you spend at least $1,000 within your first three months, this flexible rewards program allows members to receive unlimited triple points towards US fuel stations, double towards selected American departmental stores and one point everywhere else.

9. BankAmericard Business Credit Card – This card is very simple, but it can be effective because it has 0% introductory APR on balance transfers for 12 billing cycles (then 16.24%-26.24% variable) and no annual fee. It gets 1% cash back on all eligible net purchases that are applied automatically to your account every month.

10. Discover It® Business Card – Finally, this flexible rewards program grants clients with a possibility to get a quarter’s worth of 5% cashback for up to $2K spent quarterly at different categories (including office supplies) and then –1 % cash back for everything else!


Always remember to take into consideration the bureau a lender uses when deciding which business credit card to apply for because this will determine the information they gather about your business and how it impacts their overall approval decision! Experian is one of the top bureaus and we have compiled our top 10 picks here so hopefully you can find one that suits your needs! Good luck!


Question: Could there be any business credit cards that use only Equifax?

Answer: Sure enough, there are some commercial credit cards out there which rely solely on Equifax data in their evaluations such as Bank of America Business Advantage Travel Rewards World Mastercard and Wells Fargo Propel American Express® Card, both of which do not come with annual fees yet boast lavish benefits. In addition, both have an introductory balance transfer rate of zero percent over twelve billing periods only (and then –variable from 16.24%—-to——26.24%). Before you proceed here, make sure you read all terms well.

Question: How well do other business credit cards that use Equifax perform?

Answer: A lot of commercial credit cards that use Equifax also offer additional benefits aside from having access to their credit reports namely; sign-up bonuses, reward points or cash back on purchases and travel insurance. Look at what each card has to offer before you pick one to maximize your rewards!

Question: Is there any other type of fees that go along with business credit cards relying upon Equifax?

Answer: Commonly, most business credit cards have an annual fee which may vary card by card, similarly some will even charge balance transfer as well as other charges for particular transactions. Thus, you should study all of the terms and conditions very carefully before you sign up for a credit card to know well about it.

Question: Can I easily apply for a business credit card that uses Equifax?

Answer: Yes typically the process is quite simple and straightforward so it can be done online in most cases. In order to fill out an application form you may need details such as your company name, address, revenue and expenses, payment history etc. Also make sure you have adequate available credit through existing line of credit or personal line of credit to be approved.


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