This is my master lender list of most credit cards in America, which has taken me over a year to put together and update. It started as a very simple list that wasn’t mine and had data on some cards like what bureau they pull from and some had credit scores they liked to see. I took that list and blew it up, spending about 6 or 7 months combing through credit card and FICO forums updating with other data points and expanding on the credit scores.

I really wanted to make this all a one page list but the fact is I have so much more data on certain banks/credit cards that what I did is built out those pages first and they will be linked below under their name. Also as I gather more data on more credit cards, will be creating more in-depth pages, your best option is to bookmark this page.

Also I will start with what I call the ABCs which are the big hitters American Express, Bank Of America, Capital One and Chase, then will breakdown the rest from there. This will be only personal credit cards and personal loans, I will cover business data in future posts.

Bookmark this page as we are constantly updating it, sometimes multiple times per day, this is here to be a resource for you!

Looking for Credit Unions?

Master Credit Card List

Additional Lender Information

Bank of The West  (Restricted to the West) 

• Unsure if they always hard pull
• The cash back and 0% offers are the major draw here
• 0% APR for first 6 months on ALL purchase
• Ongoing APR 17.49-24.49%
• Heard many first hand accounts that customer service is awful
• Softpull on CLIs, CLIs after 1 year
• Additional data points
  • 746 EX/ $3k limit

Discover Phone Numbers & Datapoints

• New Apps/CLI Specialist 800-347-4856
• 888-676-3695 (Recon)
• Can only have 2 Discover credit cards
• Have to wait 1 yr or more in order to get 2nd card
• Softpull for CLIs
• They do offer personal loan products which are pretty good
• Speaking to a manager will get you higher CLI vs on app or login
• Business cards report to your personal credit making them not very enticing.
• They are starting to randomly pull Tax returns through Equifax or 4506 requests, this is affecting new/existing customers

FNBO Ducks Unlimited

• Will deny you if you have too many Inq within 6 months, less than 3
• Can get CLI like clockwork every 4 statements & 1 day, usually $3500 or $5000
• 1.5% cash back on everything, points expire in 5 years
• Been on a terror in 2022 reducing limits, not uncommon to see a CL go from $30k to $500

Venmo Credit Card

• Pulls Tu and Sagestream/innovis (frozen sage usually means instant denial though I found one user who was approved back in April with frozen Sage for $5k)
• No recon if denied for freeze on Sage/Innovis
• CLIs from support widget inside app, or call the automated number 855-878-6462
• CLIs after 6-8 months, heard both new limit takes a few hours to reflect in account. Also dont’ try right at 6 month mark, keep in mind that is soonest you can request, not a guarantee

Consumer Finance Accounts

These are going to be the finance companies that break down your purchases into payments, this is a newer trend in the last few years but we are watching as these services get eaten up by big banks and fintechs, so expect this trend of micro-payments to continue. We are going to place these here as I don’t know where else to put these for now.

I want to note that Bread Payments is backed by Comenity Bank and there is no hardpull at all, expect a softpull on Experian.

Business Credit Cards Reporting To Personal Credit Bureaus

A really common question is if a business credit card will report your activity to your personal credit report. Here is a list of big banks and how they report business credit card data.

Capital One- If you opened a Capital One Spark Cash Plus for business card on or after October 20, 2020, Capital One will NOT report all activity to personal credit bureaus- just negative activity. All other Capital One Spark for Business cards report ALL activity to your personal credit.