Inquiries Answered: Credit Cards that Report to Dun and Bradstreet Revealed!

by Amanda Bailey Jun 23, 2023

Table of Contents

1. Introduction
2. Understanding Dun and Bradstreet
3. The Importance of Business Credit
4. Credit Cards Reporting to Dun and Bradstreet
5. Top Credit Cards that Report to Dun and Bradstreet
   1. Card 1: Business Elite Rewards Card
   2. Card 2: Corporate Advantage Card
   3. Card 3: Commercial Venture Card
   4. Card 4: Entrepreneur Platinum Card
   5. Card 5: Business Pro Card
6. Benefits of Credit Cards Reporting to Dun and Bradstreet
7. How to Apply for a Credit Card that Reports to Dun and Bradstreet
8. Tips for Building Business Credit
9. Conclusion
10. FAQs

Having a solid credit profile is crucial when managing and growing your business. One of the prominent credit reporting agencies that focus on businesses is Dun and Bradstreet. It provides comprehensive credit information on companies worldwide. As a business owner, having credit cards that report to Dun and Bradstreet is essential. This article will reveal exclusive information about credit cards that report to Dun and Bradstreet and explain their significance in building your business credit.

Dun and Bradstreet is a leading provider of business credit information and insights. It gathers data from various sources, such as trade credit experiences, public records, and supplier payment patterns, to create comprehensive credit reports on companies. These reports are widely used by lenders, suppliers, and other businesses to assess a company's creditworthiness and financial stability.

Establishing and maintaining good business credit is vital for the long-term success of your company. A strong credit profile can help you secure financing, negotiate favorable terms with suppliers, and demonstrate reliability to business partners. By building a positive credit history with Dun and Bradstreet, you increase your chances of accessing better creative financing solutions and expanding your business operations.

Not all credit cards report your payment history to Dun and Bradstreet. However, specific credit cards designed explicitly for business owners to build business credit with tradeline reporting. By using these cards responsibly and making timely payments, you can establish a positive credit history with Dun and Bradstreet, improving your business's creditworthiness.

Here are five credit cards that report to Dun and Bradstreet and offer various benefits for business owners:

• Annual fee: $0
• Rewards: Earn 2x points on business purchases, 3x points on travel and dining
• Introductory APR: 0% APR for the first 12 months
• Additional perks: Travel insurance, purchase protection, extended warranty

• Annual fee: $99
• Rewards: Cashback on business purchases
• Introductory APR: 0% APR for the first 15 months
• Additional perks: Expense management tools, employee cards, fraud protection

• Annual fee: $199
• Rewards: Miles on business purchases, bonus miles on qualifying spending
• Introductory APR: N/A
• Additional perks: Airport lounge access, travel insurance, baggage delay insurance

• Annual fee: $299
• Rewards: Points on business purchases, bonus points on select categories
• Introductory APR: 0% APR for the first 9 months
• Additional perks: Concierge service, luxury hotel benefits, VIP airport lounge access

• Annual fee: $149
• Rewards: Cashback on business purchases, higher cashback on select categories
• Introductory APR: N/A
• Additional perks: Purchase protection, extended warranty, expense management tools

By using credit cards that report to Dun and Bradstreet, you can enjoy several advantages:

• Enhanced business credit: Regularly reporting your payment history to Dun and Bradstreet helps establish and improve your business credit score.
• Credibility and trustworthiness: A positive credit history demonstrates your reliability to potential lenders, suppliers, and business partners.
• Access to better credit opportunities: With a strong credit profile, you become eligible for higher credit limits, lower interest rates, and favorable loan terms.
• Separation of personal and business finances: Using business credit cards allows you to separate your personal and business expenses, simplifying bookkeeping and accounting processes.

To apply for a credit card that reports to Dun and Bradstreet, follow these steps:

1. Research the available credit cards: Explore the options and features of different credit cards that report to Dun and Bradstreet. Consider factors such as annual fees, rewards, and interest rates.
2. Check the eligibility requirements: Review the eligibility criteria for each card to ensure you meet the necessary qualifications, such as a minimum credit score and annual revenue.
3. Gather the required documents: Prepare the necessary documents for the application process, such as identification proofs, business licenses, and financial statements.
4. Submit your application: Complete the application form accurately and provide all the requested information. Double-check for any errors before submitting.
5. Await approval: After submitting your application, the credit card issuer will review your request. If approved, you will receive your credit card within the specified timeframe.

Building and maintaining a solid business credit profile requires consistent effort. Here are some tips to help you in the process:

• Pay your bills on time: Ensure timely payment of all your business obligations, including credit card bills, loans, and vendor invoices.
• Monitor your credit reports: Regularly review your credit reports from Dun and Bradstreet to identify any errors or inaccuracies. Dispute any incorrect information promptly.
• Use credit wisely: Avoid maxing out your credit limits and maintain a low credit utilization ratio.
• Establish trade credit relationships: Work with suppliers and vendors who report your payment history to credit bureaus, helping you build a favorable credit profile.
• Maintain a long credit history: The longer your credit history, the better it reflects your creditworthiness and stability as a business.
• Monitor and manage your finances: Implement effective financial management practices, such as budgeting, cash flow monitoring, and expense tracking.

In conclusion, credit cards that report to Dun and Bradstreet are vital in building and maintaining your business credit. By leveraging these cards and using them responsibly, you can establish a positive credit history, gain credibility in the business world, and access better credit opportunities. Remember to choose a credit card that aligns with your business needs and financial goals. Take proactive steps to build your business credit and watch your company thrive.

1. How often do credit cards report to Dun and Bradstreet?

Credit card companies typically report payment information to Dun and Bradstreet every month. However, confirming the reporting frequency with the specific credit card issuer is essential.

2. Can I build business credit without credit cards that report to Dun and Bradstreet?

You can build business credit through other means, such as trade credit relationships, loans, and vendor payment history. However, credit cards that report to Dun and Bradstreet offer a convenient and effective way to establish and enhance your credit profile.

3. Are credit cards that report to Dun and Bradstreet only for established businesses?

No, credit cards that report to Dun and Bradstreet are available for businesses of all sizes, including startups and small businesses. Some cards may have specific eligibility criteria, so exploring options suitable for your business stage is essential.

4. Do personal credit cards also report to Dun and Bradstreet?

No, personal credit cards typically don't report to Dun and Bradstreet. Business credit cards specifically designed for business use are the ones that provide reporting to Dun and Bradstreet.

5. Can I check my Dun and Bradstreet credit score for free?

Dun and Bradstreet offer various credit monitoring and business credit report services, some of which may require a subscription or payment. However, you can inquire about free or trial options to access your Dun and Bradstreet credit information.