Best Credit Cards That Report to All Three Credit Bureaus (2025 Update)
Why It Matters That Your Card Reports to All Bureaus
Not all credit cards report your activity to all three credit bureaus. Some may only report to one or two, which can slow down your credit-building efforts. Cards that report to all three ensure that your responsible use is reflected across your entire credit profile — increasing your chances of loan approvals, lower interest rates, and better financial health.
Top Credit Cards That Report to All 3 Bureaus in 2025
Bilt Mastercard®
Best for: Paying rent while building credit.
- No annual fee
- Earn points on rent without fees
- Reports to Experian, Equifax, and TransUnion
Discover it® Secured Credit Card
Best for: Rebuilding credit with no annual fee.
- Earn 2% cashback at gas stations and restaurants
- No annual fee
- Reports to all three credit bureaus
Capital One Platinum Credit Card
Best for: Average credit holders looking to upgrade.
- No annual fee
- Credit limit increase reviews after 6 months
- Full bureau reporting
Chime Credit Builder Visa® Card
Best for: Flexible credit-building with no interest.
- No credit check to apply
- No interest charges
- Reports to all three credit bureaus
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for: Those with thin or no credit history.
- Up to 1.5% cashback on eligible purchases
- No fees whatsoever
- Reports to all credit bureaus
Self Visa® Credit Card
Best for: Building credit while saving.
- Linked to Self Credit Builder Account
- Helps establish credit and savings habits
- Full reporting to all bureaus
Tips for Using These Cards Effectively
To maximize your credit-building efforts, make sure to:
- Keep your credit utilization low (under 30%)
- Pay your statement balance on time every month
- Keep old accounts open to lengthen credit history
Also, monitor your credit reports regularly to ensure that all three bureaus are receiving your updated information.
Related Reading
If you’re self-employed or a freelancer, you might also be interested in our guide to Credit Cards For Freelancers.