What are the credit cards that use TransUnion only? This is important because knowing which credit cards use TransUnion may put you in a place where it’s easier to obtain a good credit card. This is a smart way to improve the chances that your application is approved without risking your credit score, as being denied for a credit card will lower your credit score. Enjoy finding the best credit card for your needs.

In This Article:

  • What Is TransUnion?

  • A List of Credit Cards That Only Use Transunion, Including:

    • Credit Needed
    • APR
    • Annual Fee
    • Balance Transfer Fees
    • Rewards
    • Foreign Transaction Fees

What Is TransUnion?

TransUnion is one of three different credit checking companies that offers service to thousands of people and companies in the United States. The other two credit services are Equifax and Experian. Based on a number of factors, including the consumer’s state of residence and credit score, a credit card company can pull from one, two, or all three of these credit agencies when reviewing an application for a credit card.

Each of the three credit checking services may grade your credit differently. Because of this, you will likely have three different scores according to the three different agencies. Your score varies based on the method used to calculate a credit rating, as well as the access to your financial history that each agency has at any given time. If you’re someone whose most favorable credit score comes from TransUnion, you may wish to apply for a credit card through a company that only uses TransUnion to approve customers. Not sure how strong your credit history is? Visit AnnualCreditReport.com (despite the spammy-sounding name, it is actually the most legitimate way to check your credit score for free) for a free report from each of the three major credit bureaus.

So which credit cards ONLY use TransUnion? The TransUnion website lists numerous credit card options from partner companies who tend to primarily use TransUnion as a credit report provider. We’ve cross-referenced that list with reports from customers on forums and social media to bring you this article featuring cards that commonly use TransUnion as the only credit bureau for reviewing applications.

Although we’ve done extensive research and we continue to update this article as new information becomes available, it’s not possible to determine exactly how companies will handle every application for a particular credit card, as this can vary widely based on the details of an individual application. Credit card issuers do not release their policies for contacting credit bureaus, so it’s necessary to rely on consumer reports of which bureaus were contacted for specific cards — but again, those results vary widely, so keep in mind that your experience applying for a certain credit card may be different from someone else’s. As a starting point, these are the 16 credit cards that are widely reported to use TransUnion only.

Credit Cards That Use TransUnion Only (Reportedly)

1. Barclaycard Arrival Plus World Elite MasterCard

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 16.24%, 20.24%, or 23.24%; Variable
  • Annual Fee: $89; Fee waived for the first year.
  • Balance Transfer Fees: 3% with a minimum transfer of $5
  • Rewards: Earn 50,000 bonus miles after you spend $3,000 in the first 90 days for $500 travel statement credit. Earn double miles on all purchases. Get 5% miles back to use toward your next redemption every time you redeem. Miles never expire. Redeem for cash or travel statement credit, gift cards, or merchandise.
  • Foreign Transaction Fees: None
  • Read more about the Barclaycard Arrival Plus World Elite MasterCard.

2. Barclaycard CashForward World MasterCard

  • Credit Needed: Excellent (720+)
  • APR: 14.99%, 19.99%, or 24.99%; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: 3% with a minimum transfer of $5
  • Rewards: Get $100 cash rewards after you spend $500 in the first 90 days. Earn 1.5% cash back on each purchase. Redeem rewards for cash back, gift cards, or a statement card. Start redeeming at $50. Cash rewards don’t expire.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Read more about the Barclaycard CashForward World MasterCard.

3. Barclaycard Ring MasterCard

  • Credit Needed: Excellent (720+)
  • APR: 8.25%; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: None
  • Foreign Transaction Fees: None
  • Read more about the Barclaycard Ring MasterCard.

4. Buick BuyPower Card from Capital One

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 0% for the first 12 months; 13.15% – 23.15% after the first 12 months; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: Get 5% cash back on the first $5,000 in purchases every year. Unlimited 2% earnings on all purchases after the first $5,000. Redeem your earnings toward the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac vehicle.
  • Foreign Transaction Fees: None
  • Read more about the Buick BuyPower Card from Capital One.

5. BuyPower Card from Capital One

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 0% for the first 12 months; 13.15% – 23.15% after the first 12 months; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: Get 5% cash back on the first $5,000 in purchases every year. Unlimited 2% earnings on all purchases after the first $5,000. Redeem your earnings toward the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac vehicle.
  • Foreign Transaction Fees: None
  • Read more about the BuyPower Card from Capital One.

6. Cadillac BuyPower Card from Capital One

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 0% for the first 12 months; 13.15% – 23.15% after the first 12 months; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: Get 5% cash back on the first $5,000 in purchases every year. Unlimited 2% earnings on all purchases after the first $5,000. Redeem your earnings toward the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac vehicle.
  • Foreign Transaction Fees: None
  • Read more about the Cadillac BuyPower Card form Capital One.

7. Capital One Quicksilver Cash Rewards Credit Card

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 0% for the first nine months; 13.24% – 23.24% after the first nine months; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: 0% for the first nine months, then 13.24% – 23.24% variable APR after the first nine months. There is also a 3% transfer fee for each balance transferred.
  • Rewards: One-time $100 cash bonus after you spend $500 within the first three months of approval. Unlimited 1.5% cash back on all purchases, every day.
  • Foreign Transaction Fees: None
  • Read more about the Capital One Quicksilver Cash Rewards credit card.

8. Capital One QuicksilverOne Cash Rewards Credit Card

  • Credit Needed: Fair (550-639)/Poor (500-549)/Bad (Below 500)
  • APR: 0% for the first nine months; 23.24% after the first nine months; Variable
  • Annual Fee: $39
  • Balance Transfer Fees: None
  • Rewards: Get 1.5% cashback on every purchase, every day.
  • Foreign Transaction Fees: None
  • Read more about the Capital One QuicksilverOne Cash Rewards credit card.

9. Capital One Venture Rewards Credit Card

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 13.24% – 23.24%; Variable
  • Annual Fee: $0 for the first year; $59 per year after the first year
  • Balance Transfer Fees: None
  • Rewards: One-time bonus of 40,000 miles after spending $3,000 on purchases within three months of the approval date, which is equal to $400 in travel. Miles don’t expire, and there are no blackout dates. Choose any airline or hotel. Earn two times the miles per dollar on every purchase, every day. There is no limit to how many miles you can earn.
  • Foreign Transaction Fees: None
  • Read more about the Capital One Venture Rewards credit card.

10. Capital One VentureOne Rewards Credit Card

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 12.24% – 22.24%; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: One-time bonus of 20,000 miles after spending $1,000 on purchases within three months of the approval date, which is equal to $200 in travel. Miles don’t expire, and there are no blackout dates. Choose any airline or hotel. Earn 1.25 miles per dollar on every purchase, every day. There is no limit to how many miles you can earn.
  • Foreign Transaction Fees: None
  • Read more about the Capital One VentureOne Rewards credit card.

11. Chevrolet BuyPower Card from Capital One

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: $0 for the first year; 13.15% – 23.15% after the first year; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: Earn 5% cashback for $5,000 and 2% after that on gas. The same earnings also apply to groceries and other purchases, as well. Redeem your earnings toward the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac vehicle.
  • Foreign Transaction Fees: None
  • Read more about the Chevrolet BuyPower Card from Capital One.

12. GMC BuyPower Card from Capital One

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: $0 for the first year; 13.15% – 23.15% after the first year; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: Earn 5% cashback for $5,000 and 2% after that on gas. The same earnings also apply to groceries and other purchases, as well. Redeem your earnings toward the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac vehicle.
  • Foreign Transaction Fees: None
  • Read more about the GMC BuyPower Card from Capital One.

13. NFL Extra Points Credit Card

  • Credit Needed: Good (640-719)/Excellent (720+)
  • APR: 0% for the first six months on eligible NFL tickets. Otherwise, you will have a 15.24%, 20.24%, or 25.24% APR; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: 3% with a minimum transfer of $5
  • Rewards: Get 10,000 bonus points after $500 in purchases within the first 90 days for $100 cash back. Get 20% off all purchases at NFLShop.com. Earn two points on every $1 you spend on NFL or team pro shop purchases, as well as 1 point per $1 on all other purchases. Redeem points for NFL game tickets, VIP experiences, or 1% cash back starting at 2,500 points for $25.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Read more about the NFL Extra Points credit card.

14. Preferred Cash Rewards Visa Signature Card

  • Credit Needed: Good (640-719), but must be a member of the military
  • APR: 12.15% to 26.15%; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: Up to 3%
  • Rewards: Earn 1.5% cash back on everyday purchases.
  • Foreign Transaction Fees: None
  • Read more about the Preferred Cash Rewards Visa Signature Card.

15. Simmons Bank Visa Platinum Card

  • Credit Needed: Excellent (720+)
  • APR: 7.5 %: Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: None
  • Foreign Transaction Fees: None
  • Read more about the Simmons Bank Visa Platinum Card.

16. USAA Rewards American Express Card

  • Credit Needed: Good (640-719), but must be a member of the military
  • APR: 10.15% to 26.15%; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: Up to 3%
  • Rewards: Earn double the points for every $1 spent on gas and groceries. Earn one point per $1 for everyday purchases. Get 2,500 bonus points with your first purchase. No expiration date or point limit. You may redeem points for travel-related purchases.
  • Foreign Transaction Fees: None
  • Read more about the USAA Rewards American Express Card.

In Summary

While we can’t say with 100% certainty that these cards will only ever pull from TransUnion to review a customer’s credit history, this list provides some of the most common credit card options that are widely reported by consumers to do just that.

When reviewing an application, a credit card issuing company can choose to pull the scores from one or several credit reporting agencies based on variables specific to that application.

But if you’re looking for a card that is most likely to only pull from TransUnion, these are some of your best options. Each card has its own pros and cons. Take the time to review the benefits and drawbacks of each card so you can make the best possible decision.