{"id":48429,"date":"2023-11-13T09:06:53","date_gmt":"2023-11-13T17:06:53","guid":{"rendered":""},"modified":"2025-03-27T10:09:41","modified_gmt":"2025-03-27T17:09:41","slug":"which-credit-cards-use-experian","status":"publish","type":"post","link":"https:\/\/financer.com\/credit-cards\/articles\/which-credit-cards-use-experian\/","title":{"rendered":"Which Credit Cards Use Experian?"},"content":{"rendered":"\n<p>If you&#8217;re looking up &#8220;which <a href=\"https:\/\/financer.com\/credit-cards\/\">credit cards<\/a> use Experian,&#8221; you should probably use your Experian credit score to boost your chances of getting a new credit card.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3>Credit Cards That Use Experian<\/h3><ul>\n<li><a href=\"https:\/\/financer.com\/card\/upgrade-cash-rewards-card\/redirect\/?ref=equifax\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Upgrade Cash Rewards Visa\u00ae<\/a> &#8211; Best For Cash Back<\/li>\n<\/ul><\/div>\n\n\n<p>Many people believe their Experian score will help them get approved. However, credit card companies often do not disclose which credit bureau they use, and they may not rely solely on Experian.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Here&#8217;s What&#8217;s Important:<\/h3><ul>\n<li><strong>Credit Bureaus Vary:<\/strong> Credit card issuers may check your credit score from different <a href=\"https:\/\/en.wikipedia.org\/wiki\/Credit_bureau\">bureaus<\/a> like Experian, Equifax, and TransUnion. The specific bureau they use can vary depending on the card, your application, and even your location.<\/li>\n<li><strong>Small Score Differences Aren&#8217;t a Big Deal:<\/strong> Minor variations in your scores from different bureaus usually don&#8217;t significantly impact your credit card application. Creditors consider more than just one score.<\/li>\n<li><strong>Big Score Gaps Need Your Attention:<\/strong> Large discrepancies in your scores across different bureaus could indicate errors or fraud on your <a href=\"https:\/\/financer.com\/loans\/glossary\/credit-report\/\">credit report<\/a>. It&#8217;s important to investigate such differences promptly.<\/li>\n<li><strong>Focus on Good Credit Practices:<\/strong> Instead of worrying about which credit bureau a card issuer will use, focus on good credit habits. Pay your bills on time, keep your credit use low, and have different types of credit.<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Experians_Role_in_Credit_Card_Applications\">Experian&#8217;s Role in Credit Card Applications<\/h2>\n\n\n\n<p>Experian is one of the three main credit bureaus in the United States, along with Equifax and TransUnion. Credit card issuers often check Experian&#8217;s credit reports when making decisions about applications.<\/p>\n\n\n\n<p>It&#8217;s important to note, however, that Experian itself does not issue credit cards. Rather, their role is to collect and maintain credit information, which they provide to credit card companies and other lenders.<\/p>\n\n\n\n<p>These financial institutions then use this data to assess the <a href=\"https:\/\/financer.com\/loans\/glossary\/creditworthiness\/\" data-type=\"link\" data-id=\"https:\/\/financer.com\/loans\/glossary\/creditworthiness\/\">creditworthiness<\/a> of applicants. Therefore, while Experian plays a crucial role in the credit evaluation process, the decision to issue a credit card, along with the terms of the card, is entirely up to the individual credit card issuers.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/credit-cards\/bad-credit\/\" class=\"button  is-rounded is-primary is-large\" target=\"_blank\"  >Best Bad Credit Cards<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Credit_Cards_That_Use_Experian\">Credit Cards That Use Experian<\/h2>\n\n\n\n<p>A lot of credit card issuers turn to Experian to evaluate how creditworthy you are when you apply for a card.<\/p>\n\n\n\n<p>Big players in the credit card market, like American Express, Bank of America, Capital One, Chase, Citi, Discover, and Wells Fargo, often check with Experian.<\/p>\n\n\n\n<p>They might use Experian to go through your identity, your credit history, and your credit score. <strong>However, it&#8217;s not certain that they&#8217;ll only use Experian.<\/strong><\/p>\n\n\n\n<p>Other, perhaps less well-known, credit card issuers that might consult Experian are <a href=\"https:\/\/financer.com\/company\/upgrade\/\">Upgrade<\/a>, Total, BB&amp;T, and TD Bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Upgrade_Cash_Rewards_Visa\"><strong>Upgrade Cash Rewards Visa\u00ae<\/strong><\/h3>\n\n\n\n<p>The Upgrade Cash Rewards Card offers:<\/p>\n\n\n<div class=\"wp-block-image is-resized shortcode-no\">\n<figure class=\"alignright size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/11\/upgrade-cash-rewards-150x150.jpg\" alt=\"\" class=\"wp-image-48490\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/11\/upgrade-cash-rewards-150x150.jpg 150w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/11\/upgrade-cash-rewards-75x75.jpg 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n<ul>\n<li><strong>1.5% Unlimited Cash Back<\/strong>: Earn on every purchase.<\/li>\n\n\n\n<li><strong>$200 Welcome Bonus<\/strong>: For opening a Rewards Checking Plus account and making 3 debit card transactions.<\/li>\n\n\n\n<li><strong>No Annual or Late Fees<\/strong>: Cost-effective for users.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/financer.com\/loans\/glossary\/credit-line\/\">Credit Line<\/a> Options<\/strong>: Ranges from $500 to $25,000.<\/li>\n\n\n\n<li><strong>Fixed-Rate Monthly Payments<\/strong>: Combines credit card flexibility with personal loan predictability.<\/li>\n\n\n\n<li><strong>Extra Cash Back<\/strong>: Up to 10% through Upgrade Shopping powered by Dosh\u00ae on eligible purchases.<\/li>\n\n\n\n<li><strong>Visa Network Access<\/strong>: Accepted widely with contactless payment technology.<\/li>\n<\/ul>\n\n\n\n<p>This card is ideal for those seeking consistent cash back and additional savings without annual fees.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/card\/upgrade-cash-rewards-card\/redirect\/?ref=transunion\" class=\"button  is-rounded is-primary is-large\" target=\"_blank\"  rel=\"sponsored nofollow\">Apply Now<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Chase_Freedom_Flex_Card\">Chase Freedom\u00ae Flex Card<\/h3>\n\n\n<div class=\"wp-block-image is-resized shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"328\" height=\"220\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/03\/freedom-flex-card-alt.png\" alt=\"\" class=\"wp-image-42558\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/03\/freedom-flex-card-alt.png 328w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/03\/freedom-flex-card-alt-300x201.png 300w\" sizes=\"(max-width: 328px) 100vw, 328px\" \/><\/figure><\/div>\n\n\n<p>If your goal is to maximize cash-back rewards and you prefer cards that typically use Experian for credit checks, the <a href=\"https:\/\/financer.com\/card\/chase-freedom-flexsm-credit-card\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">Chase Freedom\u00ae Flex Card<\/a> is an excellent choice. <\/p>\n\n\n\n<p>This card offers an enticing cash-back program where you can earn <strong>5% back on up to $1,500<\/strong> in purchases in various changing categories every quarter, provided you activate this feature. <\/p>\n\n\n\n<p>Additionally, for all other purchases, you accumulate <strong>1% cash back<\/strong>. An added advantage is that there&#8217;s <strong>no annual fee<\/strong>, making it a cost-effective option for those watching their budget.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/credit-cards\/\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_blank\"  >Compare credit cards<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Discover_it_Cash_Back_Card\">Discover it\u00ae Cash Back Card<\/h3>\n\n\n<div class=\"wp-block-image is-resized shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"948\" height=\"605\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/04\/discover-it-cash-back.png\" alt=\"\" class=\"wp-image-42560\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/04\/discover-it-cash-back.png 948w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/04\/discover-it-cash-back-300x191.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/04\/discover-it-cash-back-768x490.png 768w\" sizes=\"(max-width: 948px) 100vw, 948px\" \/><\/figure><\/div>\n\n\n<p>The <a href=\"https:\/\/financer.com\/card\/discover-it-cash-back\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">Discover it\u00ae Cash Back Card<\/a> offers a rewarding cash-back program, <strong>especially suited for regular spenders at grocery stores, restaurants, and gas stations.<\/strong> With this card, you can enjoy a <strong>5% cashback<\/strong> on purchases in these categories every quarter. Plus, it offers a baseline 1% cash back on all other purchases automatically, ensuring rewards on all your spending.<\/p>\n\n\n\n<p>A unique feature of this card is the cash-back match at the end of your first year. This means <strong>Discover will match all the cash back you&#8217;ve accumulated during your first year, dollar for dollar, automatically added to your account.<\/strong><\/p>\n\n\n\n<p>The Discover it\u00ae Cash Back Card has a variable APR that starts at 16.49%. It offers a\u00a00% APR for the first 15 months, which is great for new cardholders planning to make large purchases or transfer balances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Chase_Sapphire_Reserve\">Chase Sapphire Reserve\u00ae<\/h3>\n\n\n<div class=\"wp-block-image is-resized shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"289\" height=\"181\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/04\/sapphire-reserve-card.png\" alt=\"\" class=\"wp-image-42562\"><\/figure><\/div>\n\n\n<p>The <a href=\"https:\/\/financer.com\/card\/chase-sapphire-reserve\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">Chase Sapphire Reserve\u00ae<\/a> card is ideal for frequent travelers, offering 5x points on flights and 10x points on hotels and car rentals after spending the first $300 annually through Chase Ultimate Rewards\u00ae. Cardholders also benefit from up to $300 in automatic statement credits every year.<\/p>\n\n\n\n<p>However, it comes with a variable APR of 21.49% &#8211; 28.49% and an annual fee of $550, plus an additional $75 for each extra cardholder.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Handling_Minor_Differences_in_Credit_Scores\">Handling Minor Differences in Credit Scores<\/h2>\n\n\n\n<p><strong>Uniform Scoring Across Bureaus<\/strong>: Although there might be slight discrepancies in your credit scores from various bureaus, they generally reflect a similar trend. This is because the bureaus follow similar principles in assessing your credit history.<\/p>\n\n\n\n<p>Credit approvals aren&#8217;t solely based on your credit score. Lenders also weigh factors like your income and how much debt you carry. Thus, minor score differences across different bureaus typically don&#8217;t heavily influence the decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Responding_to_Major_Score_Disparities\">Responding to Major Score Disparities<\/h2>\n\n\n\n<p><strong>Indicators for Action<\/strong>: A substantial variation in your credit scores from different bureaus is a cue to investigate for potential errors or unauthorized activities in your credit history.<\/p>\n\n\n\n<p>It\u2019s crucial to regularly review your credit reports from the three major bureaus. Doing so helps you safeguard your financial wellness and identify any discrepancies or unusual activities swiftly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Perks_of_Credit_Cards_that_Use_Experian\">Perks of Credit Cards that Use Experian<\/h2>\n\n\n\n<p>Opting for credit cards that align with Experian can be advantageous in several ways:<\/p>\n\n\n\n<ol>\n<li><strong>Building a Strong Credit Profile<\/strong>: Using a credit card reported to Experian helps in shaping a robust credit history. Experian&#8217;s comprehensive reporting can reflect responsible credit usage, which is crucial for a healthy credit profile.<\/li>\n\n\n\n<li><strong>Enhancing Loan Approval Odds<\/strong>: Since many lenders rely on Experian for credit checks, maintaining a good score with this bureau can improve your eligibility for future financial products like loans and additional credit lines.<\/li>\n\n\n\n<li><strong>Effective Credit Monitoring<\/strong>: A card linked to Experian facilitates regular monitoring of your credit activities. This can be essential in quickly identifying and addressing any suspicious transactions or inconsistencies, thereby safeguarding your financial integrity.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Choosing_the_Right_Credit_Card_with_Experian\">Choosing the Right Credit Card with Experian<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">Selecting Your Card Type<\/h4>\n\n\n\n<ul>\n<li><strong>Rewards Cards<\/strong>: Ideal for those who love perks like airline miles or shopping points.<\/li>\n\n\n\n<li><strong>Cash-Back Cards<\/strong>: Best if you prefer getting a percentage of your spending back.<\/li>\n\n\n\n<li><strong>Balance Transfer Cards<\/strong>: Suitable for consolidating debt under a lower interest rate.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Takeaway\">Key Takeaway:<\/h3>Consider what benefits align with your lifestyle \u2013 travel perks, cash rewards, or debt consolidation.<p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.com\/credit-cards\/rewards-credit-cards\/\"   class=\"button is-normal is-primary is-rounded is-large\">Best Reward Credit Cards <\/a>\n\t<\/p><\/div>\n\n\n<h4 class=\"wp-block-heading\">Understanding APR and Fees<\/h4>\n\n\n\n<ul>\n<li><strong><a href=\"https:\/\/financer.com\/loans\/articles\/what-is-apr\/\" target=\"_blank\" rel=\"noreferrer noopener\">APR (Annual Percentage Rate)<\/a><\/strong>: This is the cost of borrowing on the card. Rates usually range from 15% to 25% for purchases.<\/li>\n\n\n\n<li><strong>Cash Advance APR<\/strong>: Higher than regular APR, around 24% to 30%, applied when you take cash from your credit line.<\/li>\n\n\n\n<li><strong>Penalty APR<\/strong>: Up to 29.99%, applied if you miss payments.<\/li>\n\n\n\n<li><strong>Annual Fees<\/strong>: Higher credit limits might mean higher fees, but some cards waive these fees for the first year.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Takeaway\">Key Takeaway:<\/h3>Lower APRs and fees are better, but consider them in context of the card\u2019s benefits.<\/div>\n\n\n<h4 class=\"wp-block-heading\">Smart Use of Credit Cards<\/h4>\n\n\n\n<ul>\n<li><strong>Based on Your Credit Score<\/strong>: A <a href=\"https:\/\/financer.com\/personal-finance\/articles\/what-is-a-good-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">good score<\/a> could mean better terms; a lower score might require more caution.<\/li>\n\n\n\n<li><strong>Comparing Offers<\/strong>: Look beyond just the APR \u2013 consider rewards, fees, and other features.<\/li>\n\n\n\n<li><strong>Reading the Terms<\/strong>: Understand all fees, the grace period, and penalties.<\/li>\n\n\n\n<li><strong>Responsible Usage<\/strong>: Make payments on time and keep balances low to avoid high-interest charges.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Takeaway\">Key Takeaway:<\/h3>Use your card wisely to avoid fees and build your credit score with Experian.<\/div>\n\n\n<p>Now that you\u2019re aware of the credit cards that report to Experian, take some time to evaluate your financial goals, such as building credit, earning rewards, or managing expenses. <br><br>Consider factors like interest rates, annual fees, and rewards programs to find the credit card that best aligns with your objectives. By selecting the right card, you can start building your credit score effectively and responsibly today!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re looking up &#8220;which credit cards use Experian,&#8221; you should probably use your Experian credit score to boost your\u2026 <\/p>\n","protected":false},"author":37432,"featured_media":84211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts\/48429"}],"collection":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/users\/37432"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/comments?post=48429"}],"version-history":[{"count":35,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts\/48429\/revisions"}],"predecessor-version":[{"id":87185,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts\/48429\/revisions\/87185"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media\/84211"}],"wp:attachment":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media?parent=48429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/categories?post=48429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/tags?post=48429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}