The Credit Cards That Use TransUnion Only (Reportedly)

Short Answer: Knowing which creditors use TransUnion may put you in a better position to get a good credit card. What are the credit card companies that use TransUnion only? While credit card companies typically do not share their preferred credit bureaus publicly, cardholders with Barclaycard and Simmons Visa credit cards report that their applications pull reports from TransUnion. We have the list of credit card options below to help you find the best credit card for your needs.

In This Article

What Is TransUnion?

TransUnion is one of three credit reporting companies that offers its services to individuals and companies. The two other credit services are Equifax and Experian. Each agency may grade your credit a little differently based on the method used to calculate your credit rating, as well as the access the company has to your financial history. Because of this, you may have three different credit scores.

When you apply for a credit card, the credit card company can pull from one, two, or all three of these credit agencies. If you’re someone whose most favorable credit score comes from TransUnion, you may want to apply for a credit card from a company that only uses TransUnion to approve its customers.

So, which credit card companies only use TransUnion? The TransUnion website lists numerous credit card options from partner companies who tend to use TransUnion primarily. We’ve cross-referenced that list with reports from customers on online forums and social media to bring you the following list of credit card companies that commonly use TransUnion as the only credit bureau for reviewing applications.

The List of Credit Cards That Only Use TransUnion (Reportedly)

Note: 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. 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, those results vary widely, so keep in mind that your experience may be different from someone else’s.

Barclaycard Arrival Plus World Elite Mastercard

  • Credit Needed: Good (640-719) or Excellent (720+)
  • Annual Fee: $89
  • Balance Transfer Fees: None
  • Rewards: Get 60,000 bonus miles after spending $5,000 on purchases in the first 90 days. Earn two times the miles per dollar on every purchase.
  • Foreign Transaction Fees: None
  • See more about the Barclaycard Arrival Plus World Elite Mastercard

Barclaycard Ring Mastercard

  • Credit Needed: Good (640-719) or Excellent (720+)
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: None
  • Foreign Transaction Fees: None
  • See more about the Barclaycard Ring Mastercard

Simmons Visa

  • Credit Needed: Excellent (720+)
  • Annual Fee: $0
  • Balance Transfer Fees: None
  • Rewards: None
  • Foreign Transaction Fees: None
  • See more about the Simmons Visa

Suggested Articles: The List of Credit Cards That Used Experian Only, The List of Credit Cards That Use Equifax Only, and Loan Companies That Use TransUnion Only

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18 comments

  • poorly researched article….Capital one pulls from all three credit bureaus…this is a well documented fact and mentioned on most every site out there…In other words…don’t trust this article at all…

    • Cam, I disagree with you. I was recently (April 2017) approved for Capital One’s QuickSilver One credit card as well as a $39,000 auto loan. Both hard pulls reflect on my TRANSUNION credit file ONLY. This article is not only accurate but very useful. I live in Pennsylvania so maybe it varies by state.

      • NorCal Vicious says:

        I think you’re right about variance by state. I have two capital one cards, the Platinum MasterCard (6 months old) and was just recently approved for the Quicksilver one as well, they pulled all for the Quicksilver, but only TU for the Platinum. And after my first 5 months of responsible use, they gave me a cli on the Platinum, and didn’t even tell me, lol, I found it myself when I went in and looked at my statement. And in the last 6 months, my credit score has gone up over 100 points, which also qualified me for the Walmart card I was recently approved for 🙂 very thankful Capital One gave me the opportunity. Twice 🙂

        • Kathleen Wilson says:
          First Quarter Finance logostaff

          Hi NorCal,
          Thanks for sharing your experience — it’s very helpful for our other readers to hear from first-hand experience!

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Nicole,

      You’re right! Capital One allows many card holders to monitor their credit through CreditWise, which only pulls scores from TransUnion.

    • Capital One certainly pulls all three. This is well-known fact. Requesting a credit freeze is the only way they won’t pull one of the bureaus. I’ve had four cards and a car loan with them.

      • Lindsey Desmet says:
        First Quarter Finance logostaff

        Hello, VA! Thank you for sharing your experience. Capital One does typically pull reports from all three of the major bureaus. We have updated our article and removed the Capital One cards which were previously listed.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Dylan,

      I am sorry, I am unable to provide you with that information. Credit card companies tend to take more into consideration than just your FICO score, such as your debt-to-income ratio and your employment history. Unfortunately, it’s just not that cut and dry for getting approved for a credit card.

    • The Capital One QuickSilver One card. I was approved with a starting credit limit of $3,000. My score was 646. Also, look at your approval odds on Credit Karma’s website for this card if you’re a member.

    • Probably the starter cards, Dylan. I think the Quicksilver and the Platinum cards will be garnered with those scores.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Victoria,

      I’m sorry to hear about your experience with some of the cards on our list not pulling TransUnion only. It is very difficult to compile a list of cards that are guaranteed to pull TransUnion, since the only way to gather this information is to rely on consumer reports; even so, this doesn’t guarantee that all consumers’ applications will be handled the same way. If you’d like to let us know which card or cards pulled Equifax, we can incorporate that information into our research.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Robby,

      I’m sorry to hear that the credit cards you applied for pulled outside TransUnion! Unfortunately, it’s very difficult to know exactly what credit bureau (or bureaus) will be contacted for any given application, as customers report that this can vary widely even when applying for the same card. Credit card issuers do not report this information definitively, so lists like these do largely rely on consumer experiences, and as a result there’s no 100% guarantees. I hope that you’re able to find a credit card that works for you!