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Which Bank Biz Cards Report To Biz Credit Reports?

credit_is_crack
Valued Contributor

Which Bank Biz Cards Report To Biz Credit Reports?

AS OF 04/02/21

 

Hi All, 

 

When looking to open business credit cards, something that influences my decisions are:

  • Which banks report business card activity to business credit reports?
  • Which banks report business card activity to personal credit reports?
  • Which banks report business card activity to which business credit reporting agencies? (D&B, SBFE, EX & EQ)

This is a fluid grid and as always, subject to change, and very much a YMMV situation, but it's nice to have a reference point. We're just sharing our personal experiences and lumping them onto a consolidated list. Between other sites and here, I just pulled the DP's together to show in spot. 

 

If you're personal results vary from what I have noted just add a reply (tag me please, @credit_is_crack) and we'll make a note of it. For folks who have some business history, you'll find a business CRA is pulled in addition personal CRA's. I've added it in and if we get more DP's it'll fill itself in, but if we don't find enough DP's then I'll delete it out.  

 

Amex Callout: Even going thru various posts on MyFICO, there are big gaps regarding American Express. IN 2018 and 2019 it was pretty solid that Amex business cards were reporting to business credit reports, but now I see a ton more reports of folks saying the exact opposite - Amex cards don't report any (positive) activity anywhere. 

 

Capital One Callout: All business credit cards from Cap1 report to Personal credit reports. Effective October 2020, new "Spark Cash for Business" cards will not report to Personal credit reports, only to business CRA's. Existing Spark Cash cardholders will continue to see it on their personal reports, but new accounts will not. All other Cap1 business cards will still report to personal credit reports. 

 

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111 REPLIES 111
CreditCuriosity
Moderator

Re: Which Bank Biz Cards Report To Biz Credit Reports?

Cap1 Certainly reports back to EQ business(at least negatives) as had a business account with them 7 years ago until recently it has haunted me as off personal EQ report early due to EE, but remained on EQ business and caused a few denials with Citi Business which Citi used on their business CC decisio making progress along with Personal Ex or Eq or both.  Sole reason on AA denial for Citi was EQ business and was from Cap1 just to fill the matrix in a bit more.  Believe my EQ business is clean now as heard BofA pulls EQ business as well although not 100% certain on that so unless someone can confirm that don't etch that in stone yet.

Message 2 of 112
credit_is_crack
Valued Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

Good to know - I just updated it! 

Message 3 of 112
LittleSal
Frequent Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

Great Post! I’ve been trying to piece this information together for a while. Very helpful.

Strange that Cap One reports to personal credit file.
Message 4 of 112
LittleSal
Frequent Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

BoA business card does pull EX Business report. I just got an alert when I applied.

Also HP on TU.
Message 5 of 112
SouthJamaica
Super Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

The only ones I know of which report to personal credit are Capital One, TD Bank, and Discover.


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 721 TU 747 EX 715

Message 6 of 112
credit_is_crack
Valued Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?


@LittleSal wrote:
Great Post! I’ve been trying to piece this information together for a while. Very helpful.

Strange that Cap One reports to personal credit file.

It is odd, but they do show up. I understand the credit report has a small note that says "Small Business Account", but its stats are factored in like every other personal card. Payment history, utilization, limits, etc. 

Message 7 of 112
credit_is_crack
Valued Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?


@SouthJamaica wrote:

The only ones I know of which report to personal credit are Capital One, TD Bank, and Discover.


Do you know if it reports both positive and negative info on the personal report for TD Bank? I can add it to our list

Message 8 of 112
inverse
Established Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

I would caution everyone that Your Experience May Vary with respect to the charts above.

 

Message 9 of 112
SouthJamaica
Super Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?


@credit_is_crack wrote:

@SouthJamaica wrote:

The only ones I know of which report to personal credit are Capital One, TD Bank, and Discover.


Do you know if it reports both positive and negative info on the personal report for TD Bank? I can add it to our list


Yes that's what I mean when I say it reports to personal credit. Because they all report negative stuff to personal credit as far as I know.

 

It just reports the same information to your personal credit as a personal credit card would.

 

Which for me is bad because I want to be able to use the business card freely, without having to think about how it might affect utilization.


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 721 TU 747 EX 715

Message 10 of 112
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