7 Best Credit Cards That Use Experian
Applying for a credit card will likely trigger a credit check from one or all of the major credit bureaus. We’ve rounded up the top credit cards that use Experience to check your credit score when you apply.

There are three major credit bureaus in the U.S. and all have their own individual credit scoring formulas. Experian’s credit score is a three-digit number that represents your credit score and lenders use this to determine how likely you are to repay your debt.
Lenders can pull information from one or all three of these credit bureaus so your score at any one of these can make a significant difference to your credit card application, including the terms and interest rates you may receive.
While the credit bureau doesn’t have any say when it comes to approving your application, your credit score and profile will have an impact on the decision the card issuer makes. Note that lenders will likely not pull information from only one bureau, so it’s important to regularly check your credit profile at all major credit bureaus to ensure your information is up to date.
Here are our top picks for the best credit cards that use Experian as a credit bureau, including their requirements, interest rates, and best features
Credit Cards That Use Experian
Lender | Scholaroo rating | Regular APR | Credit Score |
---|---|---|---|
![]() Chase Freedom Flex℠ Best for low interest rates Visit website | 20.24% - 28.99% | Good (690 - 850) | |
![]() Chase Sapphire Preferred® Card Best for entertainment benefits Visit website | 21.24% - 28.24% | Good (690 - 850) | |
![]() Bank of America® Customized Cash Rewards Secured Credit Card Great secured card with cash back rewards Visit website | 25.74% | No minimum credit score | |
![]() Bank of America® Travel Rewards Credit Card for Students Best for travel rewards Visit website | 17.99% - 27.99% | Good (690 - 850) | |
![]() Citi® Double Cash Card Best for flat-rate cash back Visit website | 18.99% - 28.99% | Average / Good (630 - 850) | |
![]() American Express Gold Best overall Visit website | 21.24% - 29.24% | 690+ | |
![]() Wells Fargo Active Cash Visa® Card Best for everyday spending rewards Visit website | 19.99% - 29.99% | Good (690 - 850) |

Chase Freedom Flex℠
Best for low interest rates

Chase Sapphire Preferred® Card
Best for entertainment benefits

Bank of America® Customized Cash Rewards Secured Credit Card
Great secured card with cash back rewards

Bank of America® Travel Rewards Credit Card for Students
Best for travel rewards

Citi® Double Cash Card
Best for flat-rate cash back

American Express Gold
Best overall

Wells Fargo Active Cash Visa® Card
Best for everyday spending rewards
1. Chase Freedom Flex℠
2. Chase Sapphire Preferred® Card
3. Bank of America® Customized Cash Rewards Secured Credit Card
4. Bank of America® Travel Rewards Credit Card for Students
5. Citi® Double Cash Card
6. American Express Gold
7. Wells Fargo Active Cash Visa® Card
What Is An Experian Credit Score?
Experian is one of the three major credit bureaus in the U.S., along with TransUnion and Equifax. Many creditors, including mortgage lenders and credit card issuers, report payment histories and outstanding debt balances to Experian.
Each of these credit bureaus provides a credit report on a consumer, along with a credit score, showing their accounts, payment histories, and public records like bankruptcies and liens.
Each credit bureau has its own scoring system; Experian gives consumers a three-digit credit score that ranges from 300 to 850, with a score above 700 being considered as ‘good’.
Which Credit Bureau Do Most Credit Card Issuers Check?
When you apply for a credit card, the card issuer may check your credit score from Experian, Equifax, or Transunion – or all three. Banks don’t typically disclose which credit bureau they use when checking consumers’ information, however, some banks have been known to use one credit bureau more than the others.
One example is Discover, which mostly uses Equifax over the other bureaus. American Express, on the other hand, almost exclusively uses Experian. The same goes for Bank Of America. Wells Fargo pulls data from Experian quite often (about 47% of the time) and also uses TransUnion.
FAQs
Which bank pulls data from Experian?
Although there isn’t a bank that exclusively uses Experian, some banks that typically use Experian data include American Express, Bank of America, and Wells Fargo.
Does Citi card use Experian?
Citi uses Experian to pull data but they may also use other credit bureaus like TransUnion and Equifax when reviewing credit card applications.
Can I get a credit card with an Experian credit score?
If you have a good credit score with Experian you’ll increase your chances of getting approved for a credit card, especially from banks and card issuers that use Experian to pull data.