The Ultimate Guide to Credit Cards
Tuesday, June 17, 2025

12 Credit Cards That Use Experian for Approval (June 2025)

Credit Cards That Use Experian
Brittney Mayer

Writer: Brittney Mayer

Brittney Mayer

Brittney Mayer, Credit Analyst

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Lillian Guevara-Castro

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Ashley Fricker

Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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In a world where consumer data is a legitimate commodity, nearly every company seems to track and trade in your personal information. But few companies have been in the information business quite as long as the three major credit bureaus, Equifax, Experian, and TransUnion.

These three companies have massive databases full of details about the credit and payment history of millions of Americans — most of it voluntarily reported by the creditors and lenders with which we do business every day.

Given that each credit agency is an independent entity, they’re not obligated to share most types of information, and each may possess a unique dataset for any given consumer. Since creditors can pull information from any one (or all three) of the bureaus, the specific bureau could impact whether your application is approved. Perhaps your credit score is slightly higher through Experian than it is through Equifax and you’re wondering if there are any credit cards that use Experian exclusively. Unfortunately, issuers don’t rely on any single bureau for all their information. Read on for more information.

No Issuer Pulls Exclusively From Experian

When you apply for a new credit card, the issuer will likely check your credit profile to determine whether to approve your credit application and, if so, what type of credit line and APR to offer. Basically, everything about your new card hinges on what’s in the specific credit report(s) that the issuer evaluates.

Since each report can show different things, being able to pick and choose which report an issuer uses would be ideal — but, unfortunately, it’s effectively impossible.

Logos for Experian, Equifax, and TransUnion

To start, while some issuers will only request a report from a single bureau, others may request two or even all three bureau reports. Moreover, credit card issuers are notoriously unpredictable when it comes to which bureau(s) they query for a particular application, and no single issuer exclusively uses any particular bureau, including Experian.

Some data suggests that your state of residence may be a factor in which bureau is used, but even that can vary by issuer and even by the specific card. And though some consumers have found success freezing a particular credit report to prevent it from being queried, some issuers may reject you out of hand if they can’t get the report they want.

Credit Card Issuers that Commonly Use Experian for Approval

Although it’s not possible to accurately predict which credit bureaus will be queried as the result of a particular credit card application, we do have a few tools for making fairly educated guesses. Primarily, we have data points.

As with many industries, the credit card world has its share of dedicated fans who like to dive deep into the ins and outs. In this case, credit card forum participants and consistent commenters have given us a variety of data points on which reports were pulled for their personal credit card applications.

From the data points, it’s quickly apparent that, while no issuers are exclusive to any one bureau, many pull reports more heavily from one bureau over the others. We found five issuers that seem to predominantly rely on Experian credit reports for credit card applications.

Chase

A powerhouse in the credit card world, Chase issues many of the most popular rewards cards on the market today. Unfortunately, Chase also has some of the highest credit standards and some of the most rigid limitations on who can be approved.

The issuer is also all over the board when it comes to which bureau it queries for a credit report. Although the data indicates that Experian is more frequently used than the other two bureaus, a number of reports suggest multiple reports were pulled.

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
18.99% - 28.49% Variable
$0
Good/Excellent
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.9/5.0
  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 28.24% Variable
$95
Good/Excellent
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.7/5.0
  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24% - 28.74% Variable
$550
Good/Excellent

Regardless of which bureau Chase checks, your application could be denied simply because you have too many new cards. Chase’s infamous 5/24 Rule means you will be automatically denied most Chase cards if you’ve opened five or more credit cards (from any issuer) within the last 24 months.

Bank of America

Bank of America is often credited with the first mass-market consumer credit card, and the bank has maintained a foothold in the industry since those early experiments made history. While today’s Bank of America credit card lineup doesn’t have the same flash as some of its competitors, the bank still offers a little something for almost anyone.

Well, almost anyone with a decent Experian profile, that is. As the data shows, Bank of America pulls an Experian credit report more than 80% of the time, with the occasional double-up with a pull from one of the other two bureaus.

Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
18.24% - 28.24% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

Bank of America® Travel Rewards credit card Review

at Bank Of America'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
18.24% - 28.24% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

Bank of America® Premium Rewards® credit card Review

at Bank Of America'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.6/5.0
  • Low $95 annual fee.
  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24% - 28.24% Variable APR on purchases and balance transfers
$95
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

As with most issuers, Bank of America has a few application rules in place to limit the number of cards you can obtain. Specifically, the bank will only approve two cards per rolling two months, three cards per 12 months, and up to four cards in any given 24-month period.

Citi

Citi’s banking roots go back more than a century, and the issuer has held a major role in the credit card market for decades. Although Citi doesn’t have quite as many top-tier rewards cards as some of its competitors, the bank has a number of popular picks, including several of the top rewards cards.

Looking at the data points, reports show that Citi can pull from any of the three bureaus — and frequently pulls from more than one. That said, more than 52% of reported pulls were from Experian. Many reports also indicated Equifax pulls, though many of these were in conjunction with an Experian credit report inquiry.

Citi Double Cash® Card Review

at Citi’ssecure website

CITI® RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% 18 months on Balance Transfers
18.24% – 28.24% (Variable)
$0
Excellent/Good/Fair

Additional Disclosure: Citi is a CardRates advertiser.

Citi Strata Premier℠ Card Review

at the issuer’ssecure website

CITI® RATING

★★★★★

4.8

OVERALL RATING

4.7/5.0
  • Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24% – 28.24% (Variable)
$95
Good/Excellent

Additional Disclosure: Citi is a CardRates advertiser.

Costco Anywhere Visa® Card by Citi Review

at the issuer’ssecure website

CITI® RATING

★★★★★

4.7

OVERALL RATING

4.6/5.0
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.49% – 27.49% (Variable)
$0
Excellent

Additional Disclosure: Citi is a CardRates advertiser.

While Citi doesn’t have any official limits on how many Citi cards you can have, the issuer does limit applications to once per week and two every 60 days. If you apply more frequently, you will likely be denied automatically.

American Express

One of the very first consumer credit card companies, American Express still reigns as a top card issuer, both in terms of the number of cardholders and its high marks for customer satisfaction. Amex has a number of extremely popular rewards cards, though the issuer is known for its high standards.

According to Nasdaq, it seems that Amex almost exclusively pulls Experian credit reports — almost, but not quite. Approximately 95% of reports include an Experian pull, though some reports indicated the issuer also pulled Equifax or TransUnion reports (and, sometimes, all three).

The Platinum Card® Review

at the issuer’ssecure website

CATEGORY RATING

★★★★★

4.9

OVERALL RATING

4.7/5.0
  • Earn 80,000 Membership Rewards® points after you use your new card to make $8,000 in purchases in your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly through airlines or American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
  • $200 annual hotel credit, $200 annual airline fee credit, $15 monthly Uber cash credit, $50 bi-annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection®, including 1,400 airport lounges across 140 countries.
  • Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
  • Choose among three card designs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24% – 29.24% Pay Over Time
$695
Excellent
American Express® Gold Card Review

at the issuer’ssecure website

CATEGORY RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on purchases on your new card in your first 6 months of card membership.
  • Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants on up to $50,000 per year in purchases, including takeout and delivery, 3X points on flights when booked directly with airlines or on amextravel.com, and 2X points on prepaid hotels and other eligible travel purchases, booked through AmexTravel.com. All other eligible purchases earn 1X point.
  • No foreign transaction fees
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at participating partners. This can be an annual savings of up to $120. Enrollment required.
  • Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100 credit towards eligible charges.
  • $325 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24% – 29.24% Pay Over Time
$325
Excellent
The Business Platinum Card® Review

at the issuer’ssecure website

CATEGORY RATING

★★★★★

4.8

OVERALL RATING

4.6/5.0
  • Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your Card within the first 3 months of card membership
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
  • Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
  • Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
  • Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card® Account.
  • $695 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% – 27.49% Pay Over Time
$695
Excellent

ewards pure earnings.

In addition to checking your credit reports, American Express will also evaluate your history with them and your current Amex cards. In some cases, you may be automatically turned down for a new Amex card based on your existing Amex relationship.

Wells Fargo

Wells Fargo’s history goes back to the days of the stagecoach so famously part of the bank’s logo. Modern-day Wells Fargo is one of the largest banks in the U.S., and the issuer has a number of popular credit card offerings designed to appeal to a variety of cardholders.

Although the data shows that Wells Fargo has a slight preference for pulling credit reports from Experian — approximately 47% of reported credit pulls — the bank also seems to pull from TransUnion fairly regularly, nor is it uncommon for Equifax to be queried for a report.

While Wells Fargo is one of the few issuers without known restrictions on how many cards you can have or how frequently you can apply for a new card, the bank is reported to restrict approval for some of its top cards to consumers who already have a Wells Fargo banking relationship

All Three of Your Credit Reports Are Equally Important

The information on your credit reports can be a vital part of your personal finances. Good credit can make it possible not only to obtain new credit, but also to obtain affordable credit.

But, not all credit reports are the same. The information on each of your credit reports can vary based on which bureaus receive reports from your creditors, as well as which bureaus previous lenders have queried in the last two years.

Since you can’t always accurately predict which credit report — or, in many cases, reports, plural — will be used to evaluate your credit risk, it’s best to ensure you maintain all three of your credit reports to the best of your ability.

You should also endeavor to check all three of your credit reports on a regular basis to look for mistakes, outdated information, or potentially fraudulent accounts. While you can purchase your credit reports at any time, you are also entitled to one free credit report from each bureau as often as weekly through AnnualCreditReport.com.

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