7 Best Credit Cards That Use Experian

The Chase Freedom Flex℠ credit card has no annual fee, great cardholder perks, and one of the most flexible cashback rewards programs available. You’ll earn 5% cash back on up to $1,500 in purchases that rotate quarterly. You’ll also earn 5% on travel purchases through Chase Ultimate Rewards®, 3% on dining, and 1% on all other purchases.

Chase doesn’t release the quarterly categories in advance, but some of the past categories included PayPal, Walmart, movie theaters, gas stations, Amazon.com, and streaming services.

There is no annual fee and a 0% intro APR for 15 months on purchases and transfers. The card comes with rates between 20.24% and 28.99% APR.

The Chase Sapphire Preferred® Card is a good option for those who want a rewards card with entertainment benefits. It comes with an annual fee of $95, but the card offers good rewards like 60,000 bonus points when you spend at least $4,000 in the first three months. This relates to a bonus of $750 toward travel when redeemed through Chase Ultimate Rewards®.

The card comes with an APR of between 21.24% and 28.24%, along with no foreign transaction fees and the ability to transfer your bonus points to over a dozen travel partners.

The card does require a good credit score, but the benefits can be worth it if you’re a regular traveler who wants to earn bonus points and enjoy ongoing rewards.

The Bank of America® Customized Cash Rewards Secured credit card is good for borrowers who want to improve their credit. It also offers great cashback rewards, making it a great option for those looking to earn rewards. You can have a credit limit between $200 and $5,000, depending mainly on your security deposit.

You can get up to 2% cash back at grocery stores as well as 3% cash back in your choice of categories: dining, online shopping, gas, travel, drug stores, and home improvement. After your first $2,500 spending in any category, you will earn 1% back on purchases.

Other perks include checking your FICO credit score for free and the ability to move to an unsecured card with a refund of your security deposit.

The Bank of America® Travel Rewards Credit Card for Students has no annual fees and no foreign transaction fees, making it a good option for students. It doesn’t require a good credit score to qualify and online pre-approval only takes a few minutes.

The card offers a 0% intro APR on purchases for the first 18 months and for six months on balance transfers. Thereafter, an APR of 17.99% to 27.99% and a balance transfer fee of 3% on each transaction will apply.

This card offers good rewards, especially for travel. It comes with 25,000 online bonus points if you make purchases of at least $1,000 within the first 90 days of opening your account. You can use this as a $250 statement credit towards credit purchases.

In addition to this, you also get unlimited 1.5 points for every $1 you spend on all purchases. Rewards that you earn don’t expire.

The Citi® Double Cash Card is ideal for cardholders looking for a flat-rate cash back. There is no 0% introductory period for purchases, but the card comes with a 0% intro APR on balance transfers for 18 months.

You earn 2% cash back on every purchase; 1% when you make the purchase and another 1% when the purchase is paid off. This is a good option for cardholders who make their minimum payments on time and there is no limit on the amount of cashback that can be earned.

The card has no annual fee, but there is a 3% foreign transaction fee and interest rates vary between 18.99% and 28.99% APR.

The American Express Gold credit card is a charge card with substantial perks, including 4x points at restaurants and supermarkets, and 3x points on flights. Even though it has a steep annual fee of $250, if you’re a frequent traveler the rewards are worthwhile.

New cardholders earn 60,000 bonus points as a welcome bonus, and the card has no balance transfer fees and no foreign transaction fees. Rates start at 21.24% APR.

The American Express® Gold Card is different from a credit card, as you cannot pay off your purchases in installments, you may be eligible for its Pay Over Time feature.

Wells Fargo Active Cash Visa® Card is a great option for cardholders looking for cash back on everyday spending. It offers unlimited 2% cash back on all purchases and cash rewards don’t expire as long as your account remains open.

With this card you can also enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge

The card comes with a 0% APR on purchases for the first 15 months and 0% APR on qualifying balance transfers for the first 15 months. You also get a $200 cash rewards bonus when you spend at least $500 on purchases in the first three months.

The Wells Fargo Active Cash Visa® Card also comes with added benefits like up to $600 in mobile phone protection against theft or damage when you pay your monthly mobile bill with your card. There is no annual fee, but there is a 3% foreign transaction fee.