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 of making sure you’re 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.

Included In This Article:

  • What Is TransUnion?

  • A list of credit cards that only use TransUnion, including:

    • Credit needed

    • APR

    • Incentives and rewards

    • Balance transfer 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. Some credit card companies only pull from one of the three credit checking services, but others may pull from two or all three of them.

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 somewhat 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 mostly or exclusively use TransUnion as a credit report provider. We’ve cross-referenced this list with reports from customers on forums and social media to find the cards that only use TransUnion as a rule. It’s not possible to determine exactly how companies will handle every application for every card, as this can vary widely and credit card issuers do not definitively release this information. But as a starting point, these are the 16 credit cards that use TransUnion only.

Credit Cards That Use TransUnion Only

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
  • Cashback Rewards: None
  • Travel 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 this card here.

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
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Read more about this card here.

3. Barclaycard Ring MasterCard

  • Credit Needed: Excellent (720+)
  • APR: 8.25%; Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Cashback Rewards: None
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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.
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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
  • Cashback Rewards: Get 1.5% cashback on every purchase, every day.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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
  • Cashback Rewards: None
  • Travel 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 this card here.

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
  • Cashback Rewards: None
  • Travel 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 this card here.

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
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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
  • Cashback 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.
  • Travel Rewards: None
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Read more about this card here.

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%
  • Cashback Rewards: Earn 1.5% cash back on everyday purchases.
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

15. Simmons Bank Visa Platinum Card

  • Credit Needed: Excellent (720+)
  • APR: 7.5 %: Variable
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Cashback Rewards: None
  • Travel Rewards: None
  • Foreign Transaction Fees: None
  • Read more about this card here.

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%
  • Cashback 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.
  • Travel Rewards: Redeem points for travel-related purchases.
  • Foreign Transaction Fees: None
  • Read more about this card here.

Credit Cards That Use TransUnion Only: Conclusion

Those were the credit cards that use TransUnion almost exclusively. 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. 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.

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