Which Business Credit Cards Report to Business Bureaus?

Bureau-reporting cards that consistently send payment data to Dun & Bradstreet, Experian Business, and Equifax Business include these eight issuers.

• Chase Ink Business Preferred - reports to all three major business bureaus.
• American Express Business Gold - sends activity to D&B and Experian Business.
• Capital One Spark Cash for Business - updates D&B and Experian Business monthly.
• CitiBusiness /AAdvantage Platinum Select - reports to D&B and Experian Business.
• Bank of America Business Advantage Cash Rewards - feeds data to D&B.
• Wells Fargo Business Elite - reports to D&B and Experian Business.
• Brex Card for Startups - automatically reports to D&B.
• US Bank Mastercard Business Credit Card - pushes activity to D&B.

These cards give you the most reliable route to building a strong business credit score across the major bureaus.

Bureau‑reporting cards boost your business credit score the moment they send payment and utilization data to the major business bureaus (Dun & Bradstreet, Experian Business, Equifax Business). Every on‑time payment becomes a positive tradeline; every low balance improves your utilization ratio, both of which are core scoring factors.

Because the bureaus receive a steady stream of reliable activity, they can move you out of a 'thin file' faster than non‑reporting cards. More data points mean the scoring models can weight your credit behavior more heavily, often producing noticeable score lifts within six months. Issuers such as American Express, Capital One, and Chase regularly report to these bureaus, turning ordinary card use into measurable credit growth.

Current card reporting depends on the issuer's policy, not on the card's name alone.

1. Check the issuer's public statements. Most major banks list 'business‑bureau reporting' on the card's feature page; a quick glance at the issuer's website usually reveals whether Dun & Bradstreet, Experian Business, or Equifax Business are mentioned.
2. Ask the account manager directly. A brief email requesting confirmation that the card sends activity to the three business bureaus eliminates guesswork; keep the request concise and note the need for a written reply.
3. Verify through a bureau pull. After the issuer confirms reporting, request a free business‑credit report from one of the bureaus; the presence of recent card activity proves the feed is active.

If the issuer is silent, assume the card does not report and consider switching to one of the top bureau‑reporting cards covered earlier. (Massachusetts law forces credit bureaus to disclose the scoring model used, but it does not require a line‑by‑line factor breakdown, so a simple 'yes, we report' answer suffices.)

Bootstrapped startups can jump‑start their business credit by grabbing the handful of bureau‑reporting cards that tolerate low revenue and often skip a personal guarantee. Those issuers feed payment data straight to Dun & Bradstreet, Experian Business, and Equifax Business, letting a fledgling LLC accumulate a score while still focused on product‑market fit.

Solo proprietors boost their business credit quickly by using bureau‑reporting cards that actually send payment activity to Experian Business (and occasionally to Equifax).

• Chase Ink Business Preferred® Credit Card - reports to Experian Business; earns 3 points per dollar on travel, shipping and advertising; $95 annual fee; welcome bonus of 80,000 points after $5,000 spend in the first three months. Chase Ink Business Preferred details
• American Express® Business Gold Card - reports to Experian Business; awards 4 points on two selected categories each month; $295 annual fee; 70,000 points after $10,000 spend in the first three months. American Express Business Gold overview
• Capital One Spark Cash Select - reports to Experian Business; flat 2 % cash back on all purchases; no annual fee; $0 intro APR for 12 months on purchases up to $1,000. Capital One Spark Cash details
• Wells Fargo Business Secured Credit Card - reports to Experian Business and sometimes to Equifax; requires a security deposit between $500 and $5,000; 1.5 % cash back on all purchases; $0 annual fee. Wells Fargo secured card info
• U.S. Bank Business Advantage® Visa Signature Card - reports to Experian Business; 1 % cash back on all purchases; $0 introductory annual fee for the first year; easy upgrade path after six months of on‑time payments. U.S. Bank Business Advantage details

These five cards deliver the fastest credit‑building traction for solo proprietors, as we hinted earlier when discussing why reporting cards boost scores. Next up, LLC owners can leverage a slightly different set of top reporters to keep the momentum going.

LLC owners should lock in bureau-reporting cards that push data to Dun & Bradstreet, Experian Business, and Equifax Business simultaneously; the Chase Ink Business Preferred, American Express Business Gold, and Capital One Spark Cash for Business all meet that criterion and flag payments, balances, and credit utilization in real time, giving new entities an instant line on their business credit score (as we covered above).

Cards that linger on a single bureau or skip reporting altogether - such as the older Citi Business AAdvantage card, the Discover Business Card, and many store‑brand programs - still charge fees and offer perks, but they leave LLCs with fragmented credit files, slowing score buildup and forcing owners to chase missing data later (see the upcoming 'watch scores jump in 6 months' section for why that matters).

Chase Ink Business Preferred reporting details | American Express Business Gold bureau coverage

Using bureau‑reporting cards can lift your business credit score in as little as six months if you pay on time and keep balances low.

For example, the Capital One Spark Cash reports monthly to Dun & Bradstreet and Experian Business; owners who maintain ≤20 % utilization often see 15‑25 point gains within half a year. The American Express Business Gold, which reports to Experian Business, shows comparable lifts when the same payment discipline is applied.

Those improvements assume no recent delinquencies or charge‑offs, and they set the stage for the next section on cards that ignore the bureaus entirely.

American Express Business cards and Capital One Spark cards both push data to Experian Business, Dun & Bradstreet, and Equifax Business, so they belong in the reporting section - not here. The cards that consistently ignore the business bureaus stay silent on your company's credit file and only influence personal scores.

• Chase Ink Business Unlimited - reports solely to personal bureaus.
• Bank of America Business Advantage Cash - limited to personal credit history.
• CitiBusiness/A​merican Express Corporate - designed for personal reporting.
• Discover it Business - feeds only the personal file.

Skipping these silent cards leaves the business credit score untouched, which makes the upcoming 'Switch for full bureau power' section worth a read.

To get full bureau power, swap any card that reports to only one or two bureaus for a card that reports to Dun & Bradstreet, Experian Business, and Equifax Business - American Express business cards reporting to all bureaus (Business Gold, Platinum, Blue) are the only mainstream options;

after approval, close the limited‑reporting cards, keep the new card's utilization under 30 %, pay on time, and confirm your EIN is linked in each bureau's profile so the activity registers instantly.