Credit Cards That Use Equifax Only? (Reportedly) 30+ Cards Listed

We have the list of credit cards that use Equifax — as far as we are able to conclude. Some examples are: the Chase Slate credit card, the Citi Double Cash Card, and the USAA Rewards Visa Signature Card.

There are three major credit bureaus — Equifax, TransUnion, and Experian — that financial institutions pull data from to determine an individual’s credit rating. The fundamental difference between these three credit bureaus is the means by which they determine individual credit scores. Each bureau could potentially calculate a different score for the same person. Specifically, Equifax utilizes its own scoring system called the Equifax Credit Score.

Creating a list of credit cards that use Equifax only is not easily done. It’s virtually impossible to know with absolute certainty which of these three agencies a credit card company will consult when you apply for a credit card. Banks and credit card companies typically do not release this information. And, some credit card companies may typically pull from one, like Equifax, but may pull from another bureau if the applicant has a borderline credit score. But, we can tell you which cards tend to pull from Equifax, at least as the first or primary means of measuring your creditworthiness. Based on a thorough examination of consumer reports, we have compiled the list of credit cards that have been widely reported to use Equifax, as well as those that use other agencies.

Credit Cards Reported to Use Equifax Only: Chase Cards

Amazon Rewards Visa Signature Card

  • Uses only Equifax? Yes
  • Intro offer: $50 Amazon.com gift card instantly loaded on credit card application approval
  • Rewards: 3% back at Amazon.com; 2% back at restaurants, gas stations, and drugstores; and 1% back everywhere else
  • Annual fee: $0
  • Find out more about the Amazon Rewards Visa Signature Card

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: Free monthly credit score
  • Annual fee: $0
  • Find out more about the Chase 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
  • Annual fee: $99
  • Find out 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
  • Annual fee: $0 for the first year; $95 annually thereafter
  • Find out more about the United MileagePlus Explorer 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
  • Annual fee: $0 for the first year; $95 annually thereafter
  • Find out more about the United MileagePlus Club Card.

British Airways Visa Signature card

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

Disney Visa Card

  • Uses only Equifax? Yes
  • Intro offer: $50 statement credit after first purchase
  • Rewards: 1% in Disney Reward Dollars on all card purchases; can be redeemed for almost everything Disney and statement credit toward air travel
  • Annual fee: $0
  • Find out more about the Disney Visa Card.

The Hyatt Credit Card

  • Uses only Equifax? Yes
  • Intro offer: 40,000 bonus points after spending $2,000 on purchases in the first three months.
  • Rewards: 3 points per $1 spent at Hyatt hotels, one free night annually, points on all purchases
  • Annual fee: $75
  • Find out more about The Hyatt Credit Card.

The Ritz-Carlton Rewards Credit Card

  • Uses only Equifax? Yes
  • Intro offer: Two free nights at any participating Tier 1-4 Ritz-Carlton hotel after spending $4,000 on purchases in first three months
  • Rewards: 5 points per $1 spend at any participating Ritz-Carlton hotel or partner hotel. Upgrade to the Ritz-Carlton Club Level three times a year on paid stays of up to one week
  • Annual fee: $450
  • Find out more about The Ritz-Carlton Rewards Credit Card.

AARP Credit Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: Unlimited cash back rewards
  • Annual fee: $0
  • Find out more about the AARP Credit Card.

Credit Cards 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 may 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: None
  • Annual fee: $0
  • Find out more about the Citi Simplicity 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 in full or over time
  • Annual fee: $0
  • Find out more about the Citi Double Cash 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 on purchases in the first three months
  • Rewards: First checked bag is free, preferred boarding, no foreign transaction fees
  • Annual fee: $0 for the first year, $95 annually thereafter
  • Find out 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: 2 AAdvantage miles for every $1 spent, priority check-in, no foreign transaction fees
  • Annual fee: $450
  • Find out 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: 1 AAdvantage mile for every $1 spent, no blackout dates
  • Annual fee: $0 for the first year, $50 annually thereafter
  • Find out more about the Citi AAdvantage Gold World Elite Mastercard.

Citi ThankYou Preferred Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 2 ThankYou points for every $1 on dining out and entertainment, 1 ThankYou point on everything else
  • Annual fee: $0
  • Find out more about the Citi ThankYou Preferred Card.

Citi ThankYou Prestige Travel Rewards Credit Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 3 ThankYou points for every $1 on air travel and hotels, 2 ThankYou points for every $1 on dining out and entertainment, 1 ThankYou point on everything else
  • Annual fee: $450
  • Find out more about the Citi ThankYou Prestige credit card.

Citi ThankYou 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: 2 ThankYou points for every $1 on dining out and entertainment, 1 ThankYou point on everything else
  • Annual fee: $0
  • Find out more about the Citi ThankYou 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
  • Annual fee: $0
  • Find out 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 in purchases in the first three months
  • Rewards: 3 Expedia+ bonus points for every $1 on eligible Expedia purchases, 1 Expedia+ point for everything else
  • Annual fee: $0
  • Find out more about the Expedia+ 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: 4 Expedia+ bonus points for every $1 on eligible Expedia purchases, 2 Expedia+ bonus points for every $1 on dining out and entertainment, 1 Expedia+ point for everything else
  • Annual fee: $95
  • Find out more about the Expedia+ Voyager Card from Citi.

Costco Anywhere Visa Card by Citi

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 4% cash back on eligible gas, 3% cash back on restaurants and eligible travel, 2% cash back on Costco purchases, 1% cash back on everything else
  • Annual fee: $0 with paid Costco membership
  • Find out more about the Costco Anywhere Visa Card by Citi.

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 points on products and services purchased directly from AT&T, 2 ThankYou points per $1 spent on online purchases from retail and travel websites, 1 ThankYou point on everything else
  • Annual fee: $0
  • Find out more about the AT&T Access Card from Citi.

Citi Secured Mastercard

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: No rewards offered, but an opportunity for people to improve their credit rating. A security deposit must be provided.
  • Annual fee: $0
  • Find out more about the Citi Secured Mastercard.

Credit Cards Reported to Use Equifax Only: USAA Cards

USAA Preferred Cash Rewards Visa Signature Credit Card

USAA Rewards Visa Signature Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 2 points on dining and gas, 1 point on everything else
  • Annual fee: $0
  • Find out more about the USAA Rewards Visa Signature Card.

Cashback Rewards Plus American Express Card

  • Uses only Equifax? Yes
  • Intro offer: Earn a $150 bonus after you make $500 in purchases in the first 90 days.
  • Rewards: 5% cash back on gas and military base purchases, 2% cash back on groceries, 1% cash back on everything else
  • Annual fee: $0
  • Find out more about the USAA Cashback Rewards Plus American Express Card.

USAA Rewards American Express Card

  • Uses only Equifax? Yes
  • Intro offer: None
  • Rewards: 3 points for dining out, 2 points for gas and groceries, 1 point on everything else
  • Annual fee: $0
  • Find out more about the USAA Rewards American Express Card.

USAA Rate Advantage Visa Platinum Credit Card

USAA Military Affiliate Visa Signature Card

USAA Military Affiliate American Express Card

Credit Cards Reported to Use Equifax and Other Agencies: Barclays Cards

Barclaycard Ring Mastercard

  • Uses only Equifax? No; uses Equifax and other agencies
  • Intro offer: None
  • Rewards: Low rates on all transactions
  • Annual fee: $0
  • Find out more about the Barclaycard Ring Mastercard.

Suggested Articles: Credit Cards That Just Used Experian and Credit Cards That Just Use TransUnion

In Summary

Credit cards that use Equifax were listed here. It’s the best way we can help you find out which ones use that credit bureau. We’ve done extensive research to create this list — and we’re always updating it with new information — but it’s impossible to know with absolute certainty which credit bureau(s) will be contacted after you apply. However, understanding which bureau(s) are typically used by which credit card issuers will help you decide the specific card you may want to apply for.

Suggested Next Article: What Lenders Use Equifax Only?

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27 comments

  • Discover pulled my Equifax June 2017 and I was approved for a $10000. They might have also pulled my expedia. Chase And Amex all TU and EX,capital one uses Equifax

    • Hi Credit Card Man,

      Thanks for sharing your experience, it’s great to get reader input on this kind of question. While our research did reveal that Chase pulls from Equifax, as we explained in the intro, it’s impossible to know exactly where they’ll pull from. It’s also difficult to tell exactly when they’ll vary from their norm and pull from a different bureau.

  • Please update this INACCURATE information. I was recently approved for the Chase Sapphire Reserve credit card and they pulled my Transunion report. Barclays also pulled from Transunion.

    • Hi there!

      Thanks for this information! We have updated the article to reflect your findings.

  • All of my Chase cards including Sapphire Reserve, United Explorer, Southwest Premier, and Southwest Plus, have pulled exclusively from Transunion! I know this because I have freezes on all the credit bureaus and had to temporarily take the freeze off Transunion for each application.

    • Hi Claudia,

      Thanks so much for this information. We always appreciate reader input to make sure our articles are accurate and up-to-date. We will look into this and update the article, as necessary.

    • Hi Amy,

      Thanks for providing us with this information. We have updated the article to reflect this.

  • Chase pulled Experian and Transunion, didn’t even pull Equifax (I’m a member with Equifax and they didn’t get an inquiry).

    • Hi Dan,

      Could you tell me which Chase card you were applying for? We always strive to keep our lists updated as we receive new information. Thank you!

        • Thanks for the update. Yes, there are types of Chase cards that will pull Experian. You’ll notice that we limited our list to the Chase Sapphire, Chase Slate, and Chase Freedom.

    • Hi Don,

      I’ve just recently received other reports of the Chase Freedom card pulling Experian rather than Equifax; it seems that practices may have changed for this card, so I’ve gone ahead and removed it from our list in an effort to keep the article as accurate and up-to-date as possible. I apologize for any inconvenience that the article has caused, and thank you for bringing the issue to our attention!

  • This entire list is hogwash. I recommend all reader to disregard this information as it is not accurate AT ALL and other CRAs will be pulled

    • Hi Jon,

      I’m sorry to hear you feel that way about our article! It’s impossible to say with 100% certainty that a particular card will only pull from a certain bureau every time an application is run. However, we are regularly updating our list as we find new information from consumers who report different experiences with different credit cards. If there are specific cards on our list that you believe are inaccurately represented, please don’t hesitate to let us know and we’ll be happy to review our information.

        • Hi Johndoer,

          We’ve just recently removed the Chase Freedom card from our list after receiving multiple reports that this card pulled from other credit bureaus. Do you happen to remember if the card that pulled from TransUnion was the Chase Freedom card? If it was a different card, you’re welcome to let us know and we’ll be happy to investigate further. Thanks for writing in!

      • Omid,

        I really appreciate your comment, and you’re right. It’s impossible to be 100% certain that a credit card or bank won’t pull data from any one (or all three) of the credit bureaus. Right now, the articles in this series are under review, and we’ll be updating them to include the most accurate information we can. Thank you for your feedback!

  • So I applied for a Citi card based on this info and immediately got email notification from both Transunion and Experian that they pulled credit info. Got declined… How did you come up with that they pull Equifax only??

    Please advise…

    • Hi Omid,

      I’m sorry to hear that you were declined for your credit card application! Because the credit card companies don’t publicly disclose the exact algorithms and factors that determine which credit bureaus will be contacted for any given application, it’s very difficult to know with total certainty which credit cards will always or mostly pull Equifax (or any other credit bureau or combination of credit bureaus). Our list is mostly compiled by reviewing customer reports about the credit bureaus that were contacted in their own applications. I’ve gone ahead and made a note in the Citi section of the article that other credit bureaus may be contacted and to proceed with caution, so that other readers can have a forewarning if they are in a similar situation. Again, our sincere apologies for the problems with your application, and thank you for writing in with your experience!

      • Same thing happened to me. If you can’t say with certainty you should not list the information with certainty.