In this article
You might like
No items found.
Spending made smarter
Easy-to-use cards, spend limits, approval flows, vendor payments —plus an average savings of 5%.1
4.8 Rating 4.8 rating
Error Message
No personal credit checks or founder guarantee.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get fresh finance insights, monthly
Time and money-saving tips,
straight to your inbox
4.8 Rating 4.8 rating
Thanks for signing up
Oops! Something went wrong while submitting the form.
Table of contents

Of the three business credit reporting agencies, Dun & Bradstreet (D&B) is the one most used by business lenders. Lenders and other businesses may use your D&B Score to determine how risky it could be to do business with your company.

One easy way to improve your business, or commercial, credit score with D&B and other business credit rating agencies is to have a business credit card that reports to those agencies, use it regularly, and pay it off in full each billing cycle.

When your company is just starting out, it'll have no credit history—and no credit score. It can take months or years to build up a good score, so the sooner you can get started by opening a small business credit card, the better. 

In this article, we'll review how credit card providers report card activity to credit bureaus. Then, we'll list some of the card issuers and credit cards that report to Dun & Bradstreet.

How credit card issuers report to credit bureaus

Before we get into the specifics of which credit cards report to D&B, it’s important to understand how business credit card issuers report to business credit bureaus. This will help you make sense of what gets reported, how often your report is updated, and what to do to build a good credit score.

Credit card companies report all of your purchases and payment information—like on-time or late payments—to at least one of the main credit bureaus, which include Equifax, TransUnion and Dun & Bradstreet. In addition to purchase and payment information, your report may contain the following:

  • Information about your business, like its ownership and subsidiaries
  • The length of your credit history
  • Your credit card balance
  • Your total outstanding debts
  • Whether you're near, at, or above your credit limit
  • Your number of recent credit applications
  • The types of credit accounts you use
  • Whether your debts have been referred to a collection agency
  • Any records of insolvency or bankruptcy

Credit cards typically update your report at the end of each billing cycle, which can vary from 28 to 31 days depending on your card. If your credit report and credit card balance don’t match, it’s usually not a problem—just check back after it updates to find your latest information.

Note that unlike consumer credit reports, your business credit report is publicly available. That doesn’t mean just anyone can look at it, though. Usually, it’s entities like creditors and lenders, government agencies, or insurance companies that'll pay to view your business credit report. Just be mindful that unlike your personal credit report, you don’t need to provide authorization, so it’s worth monitoring your report regularly.

Why your business should have a business credit card

There are many benefits to business credit cards beyond building your business credit score. Some of these benefits include the ability to:

  • More efficiently manage your cash flow
  • Earn cash back (with certain cards)
  • Separate your business and personal expenses

When choosing a business credit card, be sure to check whether it requires a personal guarantee and if it reports on-time payments to business credit agencies like Dun & Bradstreet.

Not all credit card issuers report to D&B–why that matters

Not all business credit cards report to Dun & Bradstreet or to the other business reporting agencies, and some only report negative information to credit agencies. If you’re not sure how or whether an issuer reports to business credit agencies, just ask them.

Since D&B is the most used credit reporting agency by business lenders, it’s important to build up your credit profile with that agency. If you’re using a credit card that doesn't report to D&B—even if you’re paying your balance off regularly—your positive payment history won't appear on your credit report with the agency or influence your D&B credit score. 

That said, while Dun & Bradstreet is the most commonly used business credit score, it isn't the only one. Some lenders might also use the business credit scores created by Experian, Equifax, or other agencies. Each agency has a slightly different formula they use to calculate scores, and even one agency might have multiple scores measuring different aspects of a company’s creditworthiness.

Having a good business credit score makes it more likely that you’ll qualify for a loan when you need it—and guarantees that you have access to the best terms for that debt. Even if you don’t need credit right now, building up your business’ credit profile will be helpful in the long-term. 

According to data from the Federal Reserve, 43% of small businesses have sought financing at some point. 58% of these businesses were looking to finance their operating expenses, while 38% wanted the money to expand. If you need a Small Business Administration (SBA) loan, the first thing your lender will do is check your business credit score. Try out our SBA loan calculator tool if you need help finding the best repayment terms for your business.

Besides lenders, other entities also look at your business credit score. Vendors, investors, insurers, and other stakeholders may examine your business credit history to determine whether you’re a trustworthy business to partner with. If you have a poor credit score or no credit history at all, they might doubt your business’s long-term viability.‍

Credit card providers that report to Dun & Bradstreet

Here's a quick overview of some credit card providers that report to Dun & Bradstreet:

Credit Card Issuer
Dun & Bradstreet
Tillful (Nav)
Yes (self-report)
Capital One
Bank of America
U.S. Bank
Corpay One
American Express
Wells Fargo

Which business credit cards report to Dun & Bradstreet?

Here are some of the credit cards that report to Dun & Bradstreet:

  • Ramp Corporate Card
  • Nav Secured Card
  • Capital One Spark 1.5% Cash Back Business Credit Card
  • Capital One Spark Miles for Business
  • Capital One Venture X Business Card
  • Bank of America Business Advantage Customized Cash Rewards Credit Card
  • U.S. Bank Business Platinum Card®
  • U.S. Bank Business Leverage® Visa Signature® Card
  • U.S. Bank Triple Cash Rewards Visa® Business Card
  • Corpay One Mastercard

Here's a more detailed look at each of these business credit cards:

How Does Dun & Bradstreet determine your business credit score?

Dun & Bradstreet uses several factors in determining the business credit score of any company. These include the company’s history of on-time payments, the amount of time they’ve been in business, and the amount of available credit that they’re using. 

Dun & Bradstreet relies on reports from lenders and creditors, publicly available information such as mortgages and lien filing, and information that businesses themselves provide. You can log into your D&B account to make sure that all of your information is up to date.

What’s a D-U-N-S number?

A DUNS (Dava Universal Numbering System) number is a unique nine-digit identifier for businesses, issued by Dun & Bradstreet (D&B). It functions sort like a Social Security number for your company. You—and other parties—can use that number to look up your business through D&B. 

You might also need it if you ever decide to become a federal contractor. It typically takes about a month to receive your D-U-N-S number after you apply for it, but you can pay a fee to speed up the process. ‍

While a DUNS number is primarily used for business credit and credibility verification, it doesn't directly enable you to get a credit card.

Other types of companies that report to Dun & Bradstreet

While opening a business credit card and regularly paying off your account each month is one of the best ways to build business credit, some other types of vendors also report to Dun & Bradstreet. Opening accounts with these vendors as well could show Dun & Bradstreet that you have access to different types of credit and result in a boost to your score. 

These companies typically offer their clients tradelines, or a credit line with Net 30 reporting terms. In addition to helping build your credit, these types of vendors can also help you manage your cash flow. Examples of other companies that report to D&B include:

  • Digital marketing agency Creative Analytics 
  • Corporate swag producer Shirtsy
  • Office product supplier Quill

In addition to vendors, you may be able to establish credit with suppliers, retailers, and service providers, any of whom might extend you credit and report to the business credit reporting agencies.

Take control of your business finances and build business credit with Ramp

In addition to offering a best-in-class charge card and reporting payments to business credit agencies, Ramp offers tools that allow you to take control of your business finances and build business credit.

Ramp’s spend management tools give you insight into your company’s spending and suggest ways that you can cut costs to make your company more efficient. That makes Ramp different from other credit companies, which encourage more spending to earn points.

Try Ramp for free
Error Message
No personal credit checks or founder guarantee.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Content Lead, Ramp
Fiona writes about B2B growth strategies and digital marketing. Prior to Ramp, she led content teams at Google and Intercom. Fiona graduated from UC Berkeley with a degree in English. Outside of work, she spends time dreaming about hiking the Pacific Crest Trail one day.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.


How Mindbody & Classpass saved time, enhanced visibility, and improved usability with Ramp

“We were going to hold office hours, but it was so quiet that we never needed to. All the feedback was positive -- it was very easy to roll out.”
Heather Bruzus, Principal Accountant, Mindbody & Classpass

How Rarebreed Veterinary Partners Prepared for Scale with Ramp

“I can look in Ramp and see my spend for the month immediately. I don’t have to go on 14 different platforms. It’s all right there.”
Eric Chabot, VP of Accounting & Controller, Rarebreed Veterinary Partners

How Tomo drove efficiency and slashed time to close with Ramp

"Bringing our close timeline down by half has given us so much more time for projects and analysis.”
Eric Ho, SVP, Head of Finance, Tomo

How Crowdbotics streamlined, centralized, and saved with Ramp

“We switched from our legacy provider to Ramp in under a week and heard zero complaints."
Miles Lavin, VP of Strategic Finance, Crowdbotics

How Ramp Helped REVA Air Ambulance Save Time, Improve Visibility, and Gain Peace of Mind

“We were able to mold Ramp to our company to set it up as needed within departments. But the biggest selling feature to us was the automatic, real-time integration with Sage.”
Seth Miller, Controller, REVA

How Heyday Skincare gained control over 23+ entities with Ramp

“Ramp has been a saving grace by organizing and consolidating systems and giving us real time visibility across 23 entities.”
Shawn Gordon, Sr. Accounting Manager, Heyday Wellness

How Ramp helped Rustic Canyon Restaurant Group promote a culture of financial awareness and responsibility

"Ramp has helped promote a culture of awareness and accountability, there's no swipe your card and forget about it, people are more attuned to why and how they are spending."
Derek Arnette, Controller, Rustic Canyon Restaurant Group

Time is money. Save both.

Powerful cards with unlimited 1.5% cashback
Error Message
No personal credit checks or founder guarantee.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
No, thank you