I wanted to give something a bit different to the community today - a rather important, and potentially underrated aspect of selling tradelines.

This is what most of the tradeline companies don't tell you, what the promoters on YouTube don't tell you, and what anyone else who urges you to sell tradelines usually doesn't tell you.

Why don't they mention this? I don't know. Maybe they're too lost in trying to get you to sign up so they can earn a buck, or a quick referral fee. Maybe it's just not something they see as being valuable information to provide up front or maybe they just don't care.

Either way, I do care and my goal is to provide the best info possible to this community.

You have to understand that knowing which cards are the best will help you make more money, have less chance of an account closure, and allow ease of use regarding the addition & removal of authorized users from your accounts. These cards are also the ones, that in my experience, will sell the fastest for you.

What Are The Best Cards For Selling Tradelines?

The best credit cards for selling tradelines are Barclays, Discover, and Navy Federal Credit Union. Without getting into the details of each one and drawing this out into a lengthy post filled with a ton of details,

I'll try to summarize why these are your best options right now, as well as for the future:

• They are easy to add and remove authorize users without questions / hassles from the card issuer.

• They have set limits on AUs, whether fixed yearly limits, lifetime limits, or at-a-time limits.

• They have a near-zero chance of account closures for adding authorized users (however nothing is guaranteed and things can always change).

• Buyers tend to see these as higher-value cards in many circumstances.

• Tradeline companies are almost always willing to accept them due to their history of being non-problematic card issuers.

• They offer good lines of credit and the ability to raise your credit line substantially over time.

• They allow for balance transfers and/or in some cases, consolidation of credit lines into a single account.

• Creditors and lenders generally view these as "quality" cards. So as a cardholder, you have the opportunity to use that to your own advantage when building your personal credit outside of selling tradelines, AND, will potentially find it easier to acquire cards from other card issuers in the future.

• Discover allows you to hold 2 cards with them, navy federal allows 3, and Barclays has no fixed limit.

• Each lender has a nice selection of cards to chose from with competitive features.

Now, keep in mind - this list didn't start in 2025 and it likely will be the same long after 2025. That means if you don't already hold these cards, you need to acquire them. Secondly, if you do have these cards, you need to hold the maximum number allowed by each issuer.

Earning the most profit possible by selling tradelines means planning for the long-term, so don't limit yourself on your options. Naturally, you don't want to go out and apply for too many cards in a very short time frame so if you're eager to get your hands on these, please do it strategically.

Another thing I like about these cards is how their higher value (at least in my opinion) makes them a great referral option. If you're going to refer someone to sell tradelines themselves so you can really augment your earnings, these three cards have excellent and very solid sales advantages to provide. Achieving a nice referral bonus is far easier when the new seller understands that their cards are lower-risk than other banks and ideal for selling tradelines.

Does this mean that all other cards are not worth having? Not by any means. Does it mean you're wasting your time trying to do this if you don't already have Discover, Barclays, or Navy Federal? Absolutely not. It's simply an extra piece of information to keep you at the top of your game, planning accordingly, and always thinking about the value of diversity and flexibility in this industry.