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Best Credit Cards that Pull TransUnion

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Various information goes into establishing your credit score with Transunion, a credit bureau used by many credit card and loan companies to determine credit worthiness of consumers. First, a credit score summarizes your credit history, considering factors such as the type of accounts, how many accounts you have, if you pay your bills on time, current credit usage, collections, and age of accounts. This information factors into calculating a credit score, which lenders use to determine your likelihood of paying the credit card bill.

women with red swater pay with credit card

Continue reading to learn more about credit bureau information and which credit cards pull Transunion credit reports:

What is TransUnion Credit Score Used For?

what is a credit score definition

The Transunion credit score is calculated by applying numerical data to the information listed on a credit report. Lenders may use this number to evaluate your creditworthiness when applying for a Transunion credit card. The credit score gives creditors a quick glimpse of a person’s credit history based on the final score calculation. Consumers with a higher credit score may receive an answer for approval faster and may qualify for a lower APR when applying with the best Transunion credit cards.

Free TransUnion Credit Report

Is TransUnion a Reliable Credit Score?

illustration transunion is very accurate as long as creditors accurately report data to the bureau

Transunion is very accurate as long as creditors accurately report data to the bureau. Therefore, it is common for Transunion credit scores to differ from the other credit bureaus based on credit score calculations and the accuracy of information provided.

Which Banks Pull TransUnion Only?

Several banks use Transunion when pulling credit information for credit card and loan applicants. When a company uses Transunion, they often use the services of one credit bureau; however, it does not guarantee that they may not pull credit reports from either of the other two bureaus. In addition, it is common for creditors to pull reports from one or more credit bureaus.

Below are some banks known to pull data from Transunion:

  • Avianca
  • Apple Card – Goldman Sachs Bank
  • Barclays
  • Capital One
  • Synchrony Bank
  • U.S Bank

What’s a Good TransUnion Score?

women smiling with laptop

A good credit score on TransUnion is between 720 and 780, while some consumers aim to have a perfect credit score of 850.

You may also want to read: How to Get a 700-750 Credit Score in 3 to 6 Months? (Read this Guide)

Transunion vs Equifax: Which is More Accurate?

transunion and Equifax scores

When comparing the accuracy of credit bureaus, neither one is more accurate than the other. The accuracy of credit reports varies based on which information is being reported to the bureau and how accurate the information is. Because of this, it may look like Equifax is more accurate than Transunion when it is a matter of what is being reported by credit card companies and banks.

Do Credit Card Companies Look at TransUnion or Equifax?

credit cards and laptop on red carpet close up

In most situations, credit card companies look at all three credit bureaus; however, it is more common for a credit card company to look at the Equifax report and score over one from Transunion.

What Are the Best Credit Cards that Pull From TransUnion Only?

close up of a man's hand holding a credit card on laptop keyboard

Though various credit cards typically pull credit reports from Transunion, the most common credit cards to solely use these reports include:

Citi Premier® Card

Citi Premier® Card

The Citi Premier® Card allows cardholders to retain their points until they use them, and they do not expire as they do on many other credit cards. Consumers earn three points per $1 spent on hotels, airlines, gas stations, supermarkets, and restaurants while earning one point on other purchases. In addition, a bonus of up to 80,000 Thank You Points can be earned during the first three months after spending $4,000.

The variable APR for the Citi Premier® Card is between 18.99% and 26.99%, with no introductory APR. This card carries an annual $95 fee for all cardholders.

Pros
  • Bonus categories
  • Rewards do not expire
Cons
  • Annual fee
  • Requires good to excellent credit

Chase Freedom Flex℠

Chase Freedom Flex℠

The Chase Freedom Flex℠ offers multiple rewards for consumers in the convenience of a single card. Cardholders receive a 5% cashback bonus on rotating categories (up to $1,500 quarterly) and additional fixed bonuses on other categories, such as dining and qualifying travel. In addition, new cardholders may qualify for a $200 bonus after spending $500 on purchases during the first three months.

The Chase Freedom Flex℠ offers a 0% introductory APR on balance transfers and qualifying purchases during the first 15 months. After that, the variable APR is between 17.24% and 25.99%. In addition, Chase Freedom Flex℠ has no annual fee.

Pros
  • No annual fee
  • New cardholder bonus offer
  • Bonus categories
  • Cash rewards
  • Introductory APR period
Cons
  • Complicated rewards structure
  • Requires good to excellent credit

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Cardholders with Chase Sapphire Reserve® earn bonus points for travel and select dining-related spending, which can be redeemed through Chase. The card has a $550 annual fee and a variable APR of 19.24% to 26.24%.

There is no introductory APR offer, but new cardholders may qualify for 60,000 bonus points after spending $4,000 on purchases during the first three months. In addition, some cardholders may be eligible for a $300 Annual Travel Credit as reimbursement for travel-related purchases, which must be earned and redeemed before qualifying to earn the 5x points on air travel and the 10x points on hotels and car rentals.

Pros
  • High rewards rate
  • Luxury perks
  • Premium travel protections
  • Transfer partners
  • Primary rental car coverage
Cons
  • High annual fee
  • Requires excellent credit

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card cardholders have easy earning opportunities and easy access to redeem their rewards. Consumers can earn two miles per dollar spent on all purchases or redeem their miles at one cent per mile for a credit on their statement. In addition, credit can be used against any travel-related purchase.

The annual fee for the Capital One Venture Rewards Credit Card is $95, and the variable APR is between 18.99% and 26.99%. In addition, new cardholders can earn a one-time bonus of 75,000 miles after spending $4,000 on purchases within the first three months.

Pros
  • High rewards rate
  • Flexible rewards redemption
Cons
  • High annual fee
  • Rewards have limited flexibilityRequires good to excellent credit

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Consumers tired of credit card gimmicks will like having the Capital One Quicksilver Cash Rewards Credit Card in their wallets. This card earns 1.5% cash back on all purchases, with a one-time signup bonus of $200 cash back after spending $500 during the first three months.

Cardholders with a Capital One Quicksilver Cash Rewards Credit Card in their wallet can enjoy an introductory APR on balance transfers (3% fee on amounts transferred) and qualifying purchases for the first 15 months and a 17.99% to 27.99% variable APR after that.

Pros
  • No annual fee
  • Introductory APR period
  • No foreign transaction fees
  • High rewards rate
Cons
  • Requires good to excellent credit
  • No bonus categories

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

The avid traveler will want the Delta SkyMiles® Gold Business American Express Card in their wallet, which helps them earn cash-back bonuses to pay for future travel expenses. In addition, cardholders receive many perks, including free checked bags, bonus miles at restaurants, and travel credits for those who spend a qualifying amount annually on the card.

New cardholders will receive an introductory offer of $0 for their first year and then $99 annual fees after that (See Rates & Fees). The variable APR is 18.74% to 27.74%, and there is no introductory APR offer. In addition, for a limited time, after spending $3,000 on qualified purchases on the Delta SkyMiles® Gold Business card in the first three months, cardholders will earn 70,000 bonus miles*. Terms Apply
* Offer ends 11/09/2022

Pros
  • Free checked bag
  • Early boarding
  • Bonus categories
Cons
  • Has an annual fee
  • Limited redemptions
  • Requires good to excellent credit
women creditcompass

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Credit One Bank® Platinum Rewards Visa with No Annual Fee

The Credit One Bank® Platinum Rewards Visa with No Annual Fee works for consumers looking to improve their credit standing. This card has a $39 annual fee, but cardholders can earn 1% cash back on eligible purchases, such as gas stations, grocery stores, and internet services. The variable APR for this credit card is 25.49%.

Pros
  • Rewards of qualifying purchases
  • Approval with fair credit
Cons
  • Membership fees
  • High APR
  • Foreign fees

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

New cardholders with Southwest Rapid Rewards® Plus Credit Card can earn 50,000 bonus points after spending $1,000 in the first three months. In addition, it may qualify for 3,000 bonus points annually on their anniversary date and 2x points on Southwest® purchases. The annual fee for this card is $69, with a variable APR between 18.24% and 25.24%.

Pros
  • Anniversary perk
  • No reward caps
Cons
  • Annual fee
  • Rewards have limited flexibility

Which Retail/Department Store Credit Cards Pull TransUnion Credit Reports?

women monitoring in laptop

The credit report department store credit cards used to determine credit worthiness varies based on the business’s preferences for establishing credit for their customers. Department stores that are known to pull credit reports from TransUnion include :

Capital One Walmart Rewards® Mastercard®

Capital One Walmart Rewards® Mastercard®
APR Annual Fee Rewards
17.99% to 27.74% Variable $0 • Intro offer: 5% Cash back on purchases in Walmart® stores when using your card with Walmart Pay for the first 12 months
• 5% on Walmart.com purchases (includes grocery pickup and delivery)
• 2% on purchases in Walmart® fuel stations and stores, MurphyUSA, on restaurants and travel purchases
• 1% regular purchases wherever Mastercard cards are accepted
Fair to Good Credit Score (580-740)
Navyist Rewards Mastercard®
APR Annual Fee Rewards
28.99% Variable $0 • 30% off your first purchase when using your new card at Old Navy
• Earn 5 points for each dollar spent at Old navy, Gap, Banana Republic, and Athleta
• 1 point per dollar spent on regular purchases
• Free fast shipping on orders $50+

My Best Buy® Visa® Card

My Best Buy® Visa® Card
APR Annual Fee Rewards
10.74% – 27.99 Variable $0 • 6% back in rewards on BestBuy purchases for ElitePlus members and 5% regular
• 3% back in rewards on gas purchases
• 2% back in rewards on grocery and dining purchases
• 1% back in rewards on regular purchases

The Home Depot® Consumer Credit Card

The Home Depot® Consumer Credit Card
APR Annual Fee Benefits
17.99% – 26.99% Variable $0 • No interest if paid in full during promotional periods (6 – 24 months) Terms Apply
• Longer Return window (1 year) just for being a card member

Remember, though the above-listed credit cards typically pull credit reports from TransUnion, there is no guarantee of this accuracy because issuers may pull from multiple credit bureaus.

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To find all the details about the terms and conditions of an offer, check the online credit card application. We put a lot of effort to present you accurate and up-to-date information; however, we do not guarantee the accuracy of all credit card information presented.

Editorial Disclosure: All reviews/opinions expressed here are author’s alone, and have not been reviewed, approved, or otherwise endorsed by any advertiser included within our content. The information presented on this page is accurate as of the posting date; however, some of the offers mentioned below may have expired. Check the issuer’s website for the most recent information.

The responses below are not provided, commissioned, reviewed, approved, or otherwise endorsed by any financial entity or advertiser. It is not the advertiser’s responsibility to ensure all posts and/or questions are answered.

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