The best business credit cards that report to Dun & Bradstreet in 2025
- How credit card issuers report to credit bureaus
- Not all credit card issuers report to D&B–why that matters
- Credit card providers that report to Dun & Bradstreet
- Which business credit cards report to Dun & Bradstreet?
- How Does Dun & Bradstreet determine your business credit score?
- Other types of companies that report to Dun & Bradstreet
- Build credit with a Ramp Business Credit Card
Of the three major business credit bureaus, Dun & Bradstreet (D&B) is most frequently used to access business loans. Some of the business credit cards that report to Dun & Bradstreet include the Ramp Business Credit Card, the Capital One Spark 1.5% Cash Back Business Credit Card, and the U.S. Bank Business Platinum Card.
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 and Bradstreet.
How credit card issuers report to credit bureaus
Before we get into the specifics of which credit cards report to Dun and Bradstreet, 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 between about 28 to 31 days. 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 the latest information.
Note that unlike personal 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 will pay to view your business credit report.
Why your business should have a business credit card
There are many benefits to business credit cards beyond building yourbusiness credit score. Some of these benefits include the ability to:
- More efficiently manage your cash flow
- Separate your business and personal expenses
- Avoid impacting your personal credit score
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 the other business credit bureaus, and some only report negative information.
Since D&B is the most used by business lenders, it's crucial to build your credit profile with them. If your credit card doesn't report to D&B, your positive payment history won't appear or affect your D&B score.
That said, not all lenders require a D&B report to access credit. Some providers will accept Experian or Equifax Business credit reports to determine your creditworthiness.
A good business credit score improves your chances of qualifying for loans and securing the best terms. Even if you don’t need one right now, building up your business’ credit profile with multiple agencies is a good idea.
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 | Equifax | Experian |
|---|---|---|---|
Ramp | Yes | Yes | Yes |
Tillful (Nav) | Yes (self-report) | Yes | Yes |
Capital One | Yes | Yes | Yes |
Bank of America | Yes | Yes | Yes |
U.S. Bank | Yes | No | No |
Corpay One | Yes | Yes | Yes |
American Express | Yes | Yes | Yes |
Chase | Yes | Yes | Yes |
Citi | Yes | Yes | Yes |
Wells Fargo | Yes | Yes | Yes |
Which business credit cards report to Dun & Bradstreet?
Here are some of the credit cards that report to Dun & Bradstreet:
- Ramp Business Credit 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:
Ramp Business Credit Card
- No annual fees, APR fees, or foreign transaction fees
- Robust expense management tools
- Designed to optimize business spending
- Accounting integrations
- Integrated travel management platform
- Minimum cash balance required to qualify
- Only available for U.S. businesses
The Ramp Business Credit Card is a charge card designed for businesses that prioritize expense management, offering cashback on purchases with no annual fee. It integrates advanced financial tools, including automated expense tracking and reporting, to help optimize spending. The card features no foreign transaction fees, making it ideal for both domestic and international operations, and comes with accounting software integrations to streamline financial workflows.
In addition to its cashback and expense management capabilities, Ramp provides an integrated travel management platform, allowing businesses to book and manage travel with ease. Other benefits include built-in fraud protection, vendor management tools, and real-time insights into spending patterns, making it a comprehensive solution for modern businesses.
Key features:
- No annual fee
- Cashback on purchases
- Advanced expense management tools
- No foreign transaction fees
Capital One Spark 1.5% Cash Back Business Credit Card
- No fees for international transactions
- Simple, flat-rate rewards structure
- No annual fee
- No category-specific bonus rewards
- High variable APR on transactions and balance transfers
The Capital One Spark 1.5% Cash Back Business Credit Card offers a simple cashback program with no annual fee and no foreign transaction fees. Its flat-rate cashback on purchases ensures consistent rewards without the need to track spending categories, making it ideal for businesses with diverse expenses.
The straightforward rewards structure, however, lacks bonus categories, which may limit its appeal for businesses with significant spending in areas that other cards reward more generously.
Key features:
- No annual fee
- Cashback on purchases
- No foreign transaction fees
- Free employee cards with spending controls
Capital One Spark Miles for Business
- Strong travel-focused rewards program
- No fees for international transactions
- First-year annual fee waiver
- Annual fee applies after the first year
- Not ideal for businesses preferring cashback over miles
The Capital One Spark Miles for Business is a versatile card offering miles on purchases with no annual fee for the first year and no foreign transaction fees. Businesses can redeem miles for travel, making it a suitable choice for companies with frequent travel needs.
The annual fee, waived for the first year, may not appeal to all, and businesses focused solely on cashback rather than travel might prefer other options.
Key features:
- $0 annual fee for the first year, then $95
- Miles on purchases
- No foreign transaction fees
- Transfer miles to travel partners
Capital One Venture X Business Card
- Extensive travel benefits
- No fees for international transactions
- Transferable miles to travel partners
- High annual fee
- Benefits may not justify the cost for non-travel-focused businesses
The Capital One Venture X Business Card combines premium travel benefits with a straightforward rewards structure, earning miles on purchases and offering no foreign transaction fees. It includes travel perks such as access to Capital One Lounges, making it suitable for businesses with frequent travel.
This card comes with a higher annual fee, which may not be cost-effective for smaller businesses or those with minimal travel expenses.
Key features:
- $395 annual fee
- Miles on purchases
- Premium travel perks, including lounge access
- No foreign transaction fees
Bank of America Business Advantage Customized Cash Rewards Credit Card
- Customizable rewards categories
- No annual fee
- Introductory APR
- Foreign transaction fee applies
- Rewards capped for higher rates
The Bank of America Business Advantage Customized Cash Rewards Credit Card offers flexibility in earning cashback, allowing businesses to choose a 3% category that aligns with their spending. It has no annual fee and provides a 0% introductory APR, making it ideal for managing initial expenses.
The rewards are capped at $50,000 annually for the higher cashback rates, and it charges a 3% foreign transaction fee, which may limit its value for international spending.
Key features:
- No annual fee
- 0% introductory APR on purchases for 9 billing cycles, then 17.99%–27.99% (variable)
- Cashback on purchases with category customization
- $50,000 annual cap on 3% and 2% rewards
U.S. Bank Business Platinum Card®
- Long 0% introductory APR period
- No annual fee
- Useful for large purchases or balance transfers
- No rewards program
- Balance transfer fees apply
The U.S. Bank Business Platinum Card® focuses on providing a long 0% introductory APR for purchases and balance transfers, making it a practical choice for businesses looking to finance significant expenses over time. With no annual fee, it is a cost-effective option for maintaining financial flexibility.
However, the card lacks a rewards program, meaning businesses won’t earn cashback or points on their purchases. It also has a balance transfer fee and a relatively high standard APR after the introductory period.
Key features:
- No annual fee
- 0% introductory APR on purchases and balance transfers for 18 billing cycles, then 17.24%–26.24% (variable)
- Fraud protection and security tools
- Online account management
U.S. Bank Business Leverage® Visa Signature® Card
- Flexible rewards based on spending habits
- No fees for international transactions
- First-year annual fee waiver
- Annual fee after the first year
- Rewards capped annually
The U.S. Bank Business Leverage® Visa Signature® Card is designed for businesses with varied spending, offering higher rewards on purchases in the top two categories each month. It also includes travel benefits such as no foreign transaction fees.
The $95 annual fee, waived for the first year, may be a consideration for smaller businesses. Additionally, rewards are capped annually, which could limit the earning potential for businesses with substantial spending in multiple categories.
Key features:
- $0 annual fee for the first year, then $95
- Bonus rewards on the top two spending categories each month
- No foreign transaction fees
- Employee cards with spending controls
U.S. Bank Triple Cash Rewards Visa® Business Card
- High cashback in bonus categories
- Long introductory APR period
- No annual fee
- Foreign transaction fees apply
- Limited bonus categories
The U.S. Bank Triple Cash Rewards Visa® Business Card is a no-annual-fee option offering cashback on purchases in categories like gas, restaurants, and office supply stores. It also features a long 0% introductory APR period, making it valuable for businesses managing large expenses.
The card does include a 3% foreign transaction fee, and its cashback rewards are limited to specific spending categories, which may not suit businesses with diverse spending patterns.
Key features:
- No annual fee
- 0% introductory APR on purchases and balance transfers for 15 billing cycles, then 19.24%–28.24% (variable)
- Cashback on eligible purchases in specific categories
- $100 annual software credit for subscriptions
Corpay One Mastercard
- Expense management integrations
- No annual fee
- Supports cash flow management
- Requires integration with Corpay One platform
- May not appeal to businesses using other systems
The Corpay One Mastercard focuses on helping businesses manage cash flow while earning cashback on purchases. Designed with integrated payment and expense management tools, it streamlines operations for small and medium-sized businesses. The card has no annual fee, adding to its cost-effectiveness.
However, the card’s full functionality may depend on integration with the Corpay One platform, which may not appeal to businesses already using other management tools.
Key features:
- No annual fee
- Cashback on purchases
- Expense management and payment tools
- No foreign transaction fees
Summary of the best business credit cards that report to Dun & Bradstreet
Card comparison
Ramp’s Business Credit Card comes with the additional perk of tools designed to help your business track and reduce its spending.
Annual Fee
$0
APR
N/A
Capital One Spark 1.5% Cash Back Business CardThis credit card aimed at small business owners offers unlimited rewards and a $750 welcome bonus if you meet spending requirements.
Net Savings
$0 for the first year, then $95
APR
18.49%–24.49%
Capital One Spark 2X MilesThe Capital One Spark Miles for Business Card offers a higher earning rate of 2 miles per dollar on all purchases. It's an enhanced version of the Spark Miles Select, providing greater rewards in exchange for an annual fee.
Net Savings
$95
APR
18.49%–26.49%
Capital One Venture X Business CardA premium business travel card offering high reward rates on travel purchases and access to luxury travel benefits. As a pay-in-full card, it requires full monthly balance payments. Late payments are subject to a fee.
Net Savings
$395
APR
N/A
Bank of America Business Advantage Customized Cash Rewards Credit CardBank of America’s card lets you customize your rewards and offers additional cashback when you use a Bank of America business checking account.
Net Savings
$0
APR
18.49%–28.49%
American Express Business Platinum CardThe American Express Business Platinum Card is a travel rewards credit card focused on international travel.
Annual Fee
$799
APR
19.49%-27.49%
U.S. Bank Business Leverage Visa Signature CardA customizable rewards card that allows businesses to earn extra points in categories where they spend the most.
Net Savings
$95
APR
21.24%-26.24%
U.S. Bank Triple Cash Rewards Visa Business CardIf you spend $4,500 in the first 150 days as a cardholder with the U.S. Bank Triple Cash Rewards Visa Business Card, you’ll get an additional $500 cashback as an introductory bonus.
Net Savings
$0
APR
19.24%-28.24%
Corpay One MastercardCorpay One Mastercard is a charge card that you can use to make purchases as well as pay both your bills and vendors.
Discover Ramp's corporate card for modern finance
How Does Dun & Bradstreet determine your business credit score?
Dun & Bradstreet calculates a business's credit score primarily by evaluating payment history, financial strength, and risk factors. The Paydex Score (ranging from 1 to 100) reflects a business’s history of on-time payments, while the D&B Rating assesses financial health.
Additionally, the Delinquency Predictor Score estimates the probability of a business experiencing financial distress. These scores are derived from data provided by vendors, suppliers, financial institutions, and public records.
What’s a DUNS 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 business. You—and other parties—can use that number to look up your business through D&B.
It typically takes about a month to receive a DUNS number after you apply for it, but you can pay to speed up the process.
Can you get a business credit card with a DUNS number?
Although your DUNS number is linked to your business credit profile, it can’t be used to apply for business credit cards.
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.
Build credit with a Ramp Business Credit Card
In addition to offering a best-in-class corporate business credit card and reporting payments to business credit agencies including D&B, Ramp offers tools that allow you to take control of your business finances and build business credit.
Ramp’s spend management platform gives 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.
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