The following article is a rundown of credit cards that use Equifax only — as far as we are able to conclude.

There are three major credit bureaus in the United States that financial institutions pull data from to determine an individual’s credit rating. These organizations include Equifax as well as TransUnion and Experian.

The fundamental difference between these three main credit card bureaus is the means by which they determine individual credit scores. Originally, these scores were based on a FICO scoring system that was used across all three agencies, but calculation methods between each organization are no longer the same. In fact, each bureau could potentially calculate a different score for the same individual depending on the calculation method and the fact that not all bureaus necessarily have all of the same information about an individual’s credit at the same time. Equifax utilizes its own scoring system called the Equifax Credit Score. You can receive a free credit report from each of the three credit bureaus once every 12 months through AnnualCreditReport.com.

In practice, it is impossible to know with absolute certainty which of these three agencies each credit card company will use when you apply for a credit card. Banks and credit card issuing companies do not release this information, so any list of this type must be compiled based on consumer reports of which bureaus were contacted when they applied for a particular card. However, the application process can vary widely based on the individual who is applying. For example, card companies can pull scores from different credit bureaus based on the consumer’s state of residence. Some credit card companies may typically pull from Equifax first, but will pull from the other credit bureaus if the consumer has a borderline credit score. Because of all these factors, it’s important to note that we cannot guarantee which credit bureau(s) will be contacted when you apply for any specific credit card.

However, you may still want to know which cards most often tend to pull from Equifax as the first or primary means of measuring a consumer’s creditworthiness. Based on a thorough examination of consumer reports, we have compiled a list of credit cards that have been widely reported to only use Equifax, as well as the ones that use other agencies.

In This Article:

  • Credit Cards That Only Use Equifax Only (Chase, Citi, USAA) (Reportedly)

    • Chase Cards
    • Citi Cards
    • USAA Cards
  • Credit Cards That Use Equifax AND Other Agencies

    • Barclaycard US Cards

Credit Cards That Are Reported to Use Equifax Only: Chase Cards

Chase Slate credit card

  • Uses only Equifax? Yes
  • Intro offer: Intro balance transfer offer. No balance transfer fee when transferring a balance during the first 60 days of activating an account. After the first 60 days, the fee for future balance transfers is 5% of the amount (minimum $5).
  • Rewards: 60-day introductory balance transfer offer, save on interest, free monthly credit score
  • APR: 0% intro APR for 15 months from the opening of the account on purchases/balance transfers. After that point, this card has a 13.24%-23.24% variable APR
  • Annual fee: $0
  • Read more about the Slate credit card.

Southwest Rapid Rewards Premier credit card

  • Uses only Equifax? Yes
  • Intro offer: 40,000 bonus points after spending $1,000 on purchases during the first three months.
  • Rewards: No blackout dates, 2x points on Southwest purchases and points on all other purchases, 6,000-anniversary points bonus.
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $99 applied to the first bill
  • Read more about the Southwest Rapid Rewards Premier credit card.

United MileagePlus Explorer card

  • Uses only Equifax? Yes
  • Intro offer: 30,000 bonus miles after spending $1,000 on purchases during the first three months.
  • Rewards: Priority boarding, free first checked bag, miles on every purchase
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $0 for the first year, $95 annually thereafter
  • Read more about the United MileagePlus Explorer credit card.

United MileagePlus Club card

  • Uses only Equifax? Yes
  • Intro offer: $100 statement credit after first purchase.
  • Rewards: United Club membership, Premier Access travel services, free checked luggage and miles on every purchase
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $0 for the first year, $95 annually thereafter
  • Read more about the United MileagePlus Club credit card.

British Airways Visa Signature card

  • Uses only Equifax? Yes
  • Intro offer: 50,000 bonus Avios after spending $3,000 on purchases in first three months
  • Rewards: Avios on every purchase, 3 Avios per $1 spent on British Airways purchases
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $95
  • Read more about the British Airways Visa Signature credit card.

Marriott Rewards Premier credit card

  • Uses only Equifax? Yes
  • Intro offer: 80,000 bonus points after spending $3,000 on purchases in first three months
  • Rewards: Points on every purchase, 5x points at Marriott
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $85
  • Read more about the Marriott Rewards Premier credit card.

Disney Rewards Visa Card

  • Uses only Equifax? Yes
  • Intro offer: $50 Disney Gift Card after first purchase with credit card.
  • Rewards: 1% in reward dollars on card purchases. Can be redeemed for almost everything Disney and statement credit toward air travel
  • APR: 16.24%
  • Annual fee: $0
  • Read more about the Disney Rewards Visa credit card.

The Hyatt Credit Card

  • Uses only Equifax? Yes
  • Intro offer: Two free nights at Hyatt hotels internationally, after spending $2,000 on purchases in the first three months.
  • Rewards: Points on every purchase, 3 points per $1 spent at Hyatt hotels, one free night annually
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $75
  • Read more about the Hyatt credit card.

The Ritz-Carlton Rewards Card

  • Uses only Equifax? Yes
  • Intro offer: Three free nights at any participating Tier 1-4 Ritz-Carlton hotel after spending $5,000 on purchases in first three months
  • Rewards: 5 points per $1 spend at any participating Ritz-Carlton® hotel or partner hotel. Upgrade to Ritz-Carlton Club Level three times a year on paid stays of up to one week
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $450
  • Read more about the Ritz-Carlton Rewards credit card.

IHG Rewards Club Select credit card

  • Uses only Equifax? Yes
  • Intro offer: 60,000 bonus points after spending $1,000 on purchases in the first three months
  • Rewards: Points on every purchase, five points per $1 spent at IHG hotels
  • APR: 16.24%-23.24% variable APR
  • Annual fee: $0 for first year, $49 annually thereafter
  • Read more about the IHG Rewards Club Select credit card.

Amazon.com Rewards Visa card

  • Uses only Equifax? Yes
  • Intro offer: $50 Amazon.com gift card instantly loaded to Amazon account on credit card application approval
  • Rewards: 3% back at Amazon.com, 2% at restaurants, gas stations and drugstores, and 1% back everywhere else
  • APR: 14.49%-22.49% variable APR
  • Annual fee: $0
  • Read more about the Amazon Rewards Visa credit card.

AARP Credit Card

  • Uses only Equifax? Yes
  • Intro offer: $100 Bonus cash back after spending $500 on purchases in first three months
  • Rewards: Unlimited cash back rewards
  • APR: 0% for first 12 months, 16.49%-23.24% thereafter
  • Annual fee: $0
  • Read more about the AARP credit card.

Credit Cards That Are Reported to Use Equifax Only: Citi Cards

Note: Some customers have reported mixed results when applying for a credit card with Citi. Certain card applications do seem to pull from other credit bureaus besides Equifax. We recommend that you proceed with caution when applying for a Citi card.

Citi Simplicity Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: No concrete rewards, apart from no late fees or penalty rate
  • APR: 0% for the first 21 months, 13.24%-23.24% thereafter, based on credit rating
  • Annual fee: $0
  • Read more about the Citi Simplicity credit card.

Citi Double Cash Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: Double cash back (1% cash back on purchases, 1% cash back as purchases are paid for).
  • APR: 13.24%-23.24% based on credit rating
  • Annual fee: $0
  • Read more about the Citi Double Cash credit card.

Citi AAdvantage Platinum Select World Elite MasterCard

  • Uses only Equifax? Yes
  • Intro offer: 30,000 American Airlines AAdvantage bonus miles after spending $1,000 in the first three months
  • Rewards: Bonus miles, double mile opportunities, airline flight perks, redeemed miles back
  • APR: 14.24%-23.24% based on credit rating
  • Annual fee: $0 for the first year, $95 annually thereafter
  • Read more about the Citi AAdvantage Platinum Select World Elite MasterCard.

Citi AAdvantage Executive World Elite MasterCard

  • Uses only Equifax? Yes
  • Intro offer: 50,000 American Airlines AAdvantage bonus miles after spending $5,000 in the first three months
  • Rewards: Priority check-in, priority boarding, worldwide travel lounge membership
  • APR: 15.49%
  • Annual fee: $450
  • Read more about the Citi AAdvantage Executive World Elite MasterCard.

Citi AAdvantage Gold World Elite MasterCard

  • Uses only Equifax? Yes
  • Intro offer: 25,000 American Airlines AAdvantage® bonus miles after spending $750 in the first three months
  • Rewards: Reduced mileage awards, domestic round-trip flight rewards, no blackout dates
  • APR: 14.24%-22.24% based on credit rating
  • Annual fee: $0 for the first year, $50 annually thereafter
  • Read more about the Citi AAdvantage Gold World Elite MasterCard.

Citi Thank You Preferred Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 2x Thank You points on purchases made on dining out and entertainment
  • APR: 0% for first 15 months, 13.24%-23.24% thereafter, based on credit rating
  • Annual fee: $0
  • Read more about the Citi Thank you Preferred credit card.

Citi Thank You Premier Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: three points per $1 spent on dining out and entertainment, one point per $1 spent on all other purchases
  • APR: 14.24%-23.24%, based on credit rating
  • Annual fee: $0 for the first year, $95 annually thereafter
  • Read more about the Citi Thank You Premier credit card.

Citi Thank You Prestige Card

  • Uses only Equifax? Yes
  • Intro offer: 50,000 bonus points after applicable purchases
  • Rewards: Air travel credit, free hotel accommodation, global concierge service from Citi
  • APR: 15.49%
  • Annual fee: $450
  • Read more about the Citi Thank You Prestige credit card.

Citi Thank You Preferred Card for College Students

  • Uses only Equifax? Yes
  • Intro offer: 2,500 bonus points after spending $500 within first three months (students only)
  • Rewards: No concrete, ongoing rewards other than earning points
  • APR: 0% for first seven months, 14.24%-24.24% thereafter, based on credit rating
  • Annual fee: $0
  • Read more about the Citi Thank You Preferred Card for College Students.

Citi Diamond Preferred Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 24/7 access to personal concierge service, which provides assistance with booking hotels, flights, concert tickets, and more
  • APR: 0% for first 21 months, 12.24%-22.24% thereafter, based on credit rating
  • Annual fee: $0
  • Read more about the Citi Diamond Preferred credit card.

Expedia + Card From Citi

  • Uses only Equifax? Yes
  • Intro offer: 15,000 Expedia+ bonus points after $1,000 of purchases in the first three months
  • Rewards: Travel rewards, including hotels and flights
  • APR: 15.24%-23.24% based on credit rating
  • Annual fee: $0
  • Read more about the Expedia+ credit card from Citi.

Expedia + Voyager Card From Citi

  • Uses only Equifax? Yes
  • Intro offer: 25,000 Expedia+ bonus points after $2,000 of purchases in the first three months
  • Rewards: Travel rewards, including hotels and flights
  • APR: 14.24%-22.24% based on credit rating
  • Annual fee: $95
  • Read more about the Expedia+ Voyager credit card from Citi.

Costco Anywhere Visa Card By Citi

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: Cash rewards at Costco and elsewhere
  • APR: 0% for first 7 months, 15.49% thereafter
  • Annual fee: $0 with paid Costco membership
  • Read more about the Costco Anywhere Visa credit card from Citi.

Citi HiltonHHonors Visa Signature Card

  • Uses only Equifax? Yes
  • Intro offer: 40,000 HiltonHHonors bonus points after qualifying purchases
  • Rewards: HiltonHHonors bonus points that can be redeemed for hotel stays and merchandise
  • APR: 15.49%-19.49% based on credit rating
  • Annual fee: $0
  • Read more about the Citi HiltonHHonors Visa Signature credit card.

Citi HiltonHHonors Reserve Card

  • Uses only Equifax? Yes
  • Intro offer: Two weekend nights free after qualifying purchases
  • Rewards: HiltonHHonors rewards and travel benefits
  • APR: 15.49%
  • Annual fee: $95
  • Read more about the Citi HiltonHHonors Reserve credit card.

AT&T Access Card From Citi

  • Uses only Equifax? Yes
  • Intro offer: 10,000 Bonus ThankYou points after spending $1,000 in first three months
  • Rewards: 2 ThankYou per $1 spent on online purchases from retail and travel websites
  • APR: 14.24%-23.24% based on credit rating
  • Annual fee: $0
  • Read more about the AT&T Access Card from Citi.

Citi Secured MasterCard

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: Not rewards so much as an option for people to improve their credit rating. A security deposit must be provided
  • APR: 22.24%
  • Annual fee: $0
  • Read more about the Citi Secured MasterCard.

Credit Cards That Are Reported to Use Equifax Only: USAA Cards

Preferred Cash Rewards Visa Signature Card

Cash Rewards Visa Signature Card

Cashback Rewards Plus American Express Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 5% cash back on first $3,000 spent on gas and military base purchases annually on these categories combined, 2% cash back on first $3,000 spent on supermarket purchases per year, and 1% cash back on all other purchases
  • APR: 12.15%-26.15%
  • Annual fee: $0
  • Read more about the Cashback Rewards Plus American Express credit card from USAA.

Cashback Rewards American Express Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: Up to 2.25% cash back on gas and grocery purchases, up to 1.25% cash back on everyday purchases
  • APR: 10.15%-26.15%
  • Annual fee: $0
  • Read more about the Cashback Rewards American Express credit card from USAA.

USAA Rewards Visa Signature Card

  • Uses only Equifax? Yes
  • Intro offer: 2,500 bonus points with first purchase
  • Rewards: One point for every $1 spent on everyday purchases
  • APR: 10.15%-26.15%
  • Annual fee: $0
  • Read more about the USAA Rewards Visa Signature credit card.

USAA Rewards American Express Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: One point for every $1 spent on everyday purchases, 2x points for every $1 spent on gas and groceries
  • APR: 10.15%-26.15%
  • Annual fee: $0
  • Read more about the USAA Rewards American Express credit card.

USAA Rate Advantage Visa Platinum Card

USAA Classic Visa Platinum Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: No concrete rewards; best for individuals looking to rebuild credit rating
  • APR: 18.15%-24.15%
  • Annual fee: $35
  • Read more about the USAA Classic Visa Platinum credit card.

USAA Military Affiliate Visa Signature Card

USAA Military Affiliate American Express Card

Credit Cards That Use Equifax AND Other Agencies: Barclaycard US Cards

Barclaycard CashForward World MasterCard

  • Uses only Equifax? No; uses Equifax and TransUnion
  • Intro offer: $100 cash reward bonus after spending $500 in the first three months
  • Rewards: Unlimited 1.5% cash rewards on every purchase, 5% cash reward redemption bonus every time points are redeemed
  • APR: 0% for the first 15 months, 14.99%, 19.99%, or 24.99% thereafter depending on credit rating
  • Annual fee: $0
  • Read more about the Barclycard CashForward World MasterCard.

Barclaycard ArrivalPlus World Elite MasterCard

  • Uses only Equifax? No; uses Equifax and other agencies
  • Intro offer: 50,000 bonus miles after spending $3,000 on purchases in first three months
  • Rewards: 2x miles on all purchases
  • APR: 0% for the first 12 months, 16.24%, 20.24%, or 23.24% thereafter depending on credit rating
  • Annual fee: $0 for the first year, $89 annually thereafter
  • Read more about the Barclaycard ArrivalPlus World Elite MasterCard.

Barclaycard Rewards MasterCard

  • Uses only Equifax? No; uses Equifax and other agencies
  • Intro offer: None
  • Rewards: 2x points on gas, utility and grocery store purchases, except at Target and Walmart, plus 1x points on all other purchases
  • APR: 25.24%
  • Annual fee: $0
  • Read more about the Barclaycard Rewards MasterCard.

Barclaycard Ring MasterCard

  • Uses only Equifax? No; uses Equifax and other agencies
  • Intro offer: None
  • Rewards: No concrete rewards apart from low rate with no annual fee. Opportunity to join community of other cardholders that vote on crowd-sourced benefits
  • APR: 8.25%
  • Annual fee: $0
  • Read more about the Barclaycard Ring MasterCard.

In Summary

It’s important to highlight that while we’ve done extensive research to create this list and we continue to update the article as new information comes to light, it is impossible to know with absolute certainty which credit bureau will be contacted for a particular credit card application.

The credit reporting agency that is contacted for any given credit card application will depend on a wide range of factors, including geographical region and the credit score of the individual applying. However, understanding which bureaus are typically used by which credit card issuers will give you an idea of the information that these companies will be accessing about your credit history when you apply. The information in this article will help you determine which credit card is the best fit for you based on APR, annual fee, rewards and incentives, and the credit bureau that is most often used to approve customers.