Which Credit Cards Use TransUnion Only? Answered (Only This Card)

Visa, Mastercard, and American Express credit cards in a wallet

While credit card companies typically don’t share their preferred credit bureaus publicly, cardholders with Simmons Visa credit cards report that their applications pull reports from TransUnion.

For more information on TransUnion and credit card applications, see below.

What Is TransUnion?

TransUnion is one of three major credit reporting companies. The two other credit services are Equifax and Experian.[1]

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.[1]

When you apply for a credit card, the credit card company can pull from one, two, or all three of these credit agencies.

If your most favorable credit score comes from TransUnion, you may want to apply for a credit card from a company that primarily uses TransUnion to approve its customers.

Credit Cards That Only Use TransUnion (Reportedly)

The TransUnion website lists numerous credit card options from partner companies that tend to use TransUnion primarily.

However, credit card issuers don’t publicly release their policies for contacting credit bureaus, so we can’t guarantee that all cards on that list will pull from TransUnion.

After contacting various credit card issuers and cross-referencing TransUnion’s list with reports from customers on online forums and social media, we found one card that reportedly pulls the TransUnion score for most customers:

Simmons Visa

  • Credit needed: Excellent (720+)[2]
  • Annual fee: None[3]
  • Balance transfer fees: 0% for 12 billing cycles on transfers completed within 60 days of account opening; otherwise, about 12% to 20%[4]
  • Rewards: None[4]
  • Foreign transaction fees: 2% of the transaction amount[4]
  • Find out more

For more information on credit cards, see our lists of cards that tend to pull Experian scores and cards that tend to pull Equifax scores.

We also list the loan companies that reportedly use TransUnion.


18 comments - Comments are closed.

  • Cam

    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…

    • Nicole

      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

        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 πŸ™‚ very thankful Capital One gave me the opportunity. Twice πŸ™‚

        • First Quarter Finance logo
          First Quarter Finance | Kathleen Wilson

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

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Nicole,

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

    • VA

      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.

      • First Quarter Finance logo
        First Quarter Finance | Lindsey Desmet

        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.

  • Dylan

    I have a 649 transunion cs and 633 equifax what capital one card do I have a chance of getting

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      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.

    • Nicole

      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.

      • First Quarter Finance logo
        First Quarter Finance | Laura Bachmann

        Hi Nicole, thanks for your advice! We always appreciate helpful input from our readers πŸ™‚

        • Nicole

          You’re very welcome.

      • Al

        What was your approval odds? Fair, Good, Poor,Excellent?

    • Dwayne

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

  • Victoria

    They only pulled Equifax for me.

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      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.

  • Robby

    Tried two Capital one cards form your list and both pulled Equifax

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      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!

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