If you’re looking for credit cards that use TransUnion only for approval, you might be out of luck. None of the credit cards on the market exclusively use TransUnion to evaluate applicants’ creditworthiness.
That’s because the credit bureaus rely on information reported to them by your creditors and lenders. And some creditors fail to tell all three bureaus, so the news in your reports can vary based on the source.
That said, if you have a good credit history with TransUnion, you’re more likely to be approved for a credit card.
What are the credit cards that use TransUnion only?
Many credit card issuers regularly use TransUnion data for credit checks when considering applications. While there is no guarantee that an application will only use Transunion data, it’s often the primary credit reporting agency.
If you have a strong credit history with TransUnion, you’re more likely to be approved for a credit card.
If you’re interested in applying for a credit card that uses TransUnion data for approval, here are some of the most popular options:
#1. Barclaycard Ring Mastercard- Best for Low APR
A handful of credit cards use TransUnion for approval, but the Barclaycard Ring Mastercard no longer accepts applications. This leaves cardholders with few options for credit cards that may use TransUnion.
The annual fee for the Barclaycard Ring Mastercard was $0, and it offered 0% intro A.P.RAPRor 15 months on balance transfers made within 45 days of account opening. After that, a variable of 14.24% A.APR. would apply.
Features of the Barclaycard Ring Mastercard
- No Annual Fees
- 0% Intro APR for 15 months on balance transfers
- 14.24% Variable APR after That
- No rewards Points
The Barclaycard Ring Mastercard is no longer available to new applicants, but it’s still one of the best credit cards that use TransUnion for approval. If you have this card, you can enjoy a 0%APRtro A.P.R. on balance transfers for 15 months.
#2. Wells Fargo Platinum Visa for 0% A.P.R.
If you’re looking for a credit card with APR engthy 0% A.P.R. period and no annual fee, the Wells Fargo Platinum Visa is a good option to consider. This card offers APR months of 0% A.P.R. on purchases and qualifying balance transfers, giving you some breathing room if you’re trying to pay down debt.
Additionally, this card offers cell phone insurance, which can help to protect your investment in case of damage or theft.
However, it’s important to note that this card requires good or excellent credit for approval.
Additionally, no rewards are offered, which may be a drawback for some users.
The Wells Fargo Platinum Visa is a solid choice for those looking for a no-fee card wiAPRa lengthy intro A.P.R. period.
Features of the Wells Fargo Platinum APR
- 18 months of 0% A.P.R. on purchases and qualifying balance transfers
- Cell phone insurance
- No annual fee
- Good or excellent credit required
- No rewards points
The Wells Fargo Platinum Visa is a good option for those with good to excellent credit looking for an APR card with an intro A.P.R. period.
#3. Chase Freedom Flex
When you’re looking for a credit card that offers great rewards and doesn’t charge an annual fee, the Chase Freedom Flex is a good option to consider.
This card offers 5% cash back in rotating bonus categories, plus fixed bonus categories like dining and travel. You will also enjoy a 0% intro A.P.R. on purchases and balance transfers for 15 months.
One downside of this card is that it requires good or excellent credit for approval. Another is that the rewards program can be complicated to understand and keep track of.
However, if you can take advantage of the benefits offered by this card, it can be a great choice for earning cash back on your everyday spending.
Features of the Chase Freedom Flex
- 5% cash back in rotating APR categories
- 0% intro A.P.R. on purchases and balance transfers for 15 months
- No annual fee
- Good or excellent credit required
- Complicated rewards program
The Chase Freedom Flex is a good option for those with good to excellent credit looking for a rewards card with no annual fee.
#4. Harley Davidson Secured (U.S. Bank) for Bad Credit
This card gives you
- 1x points at Harley-Davidson and gas stations,
- 1x points at restaurants and bars, and
- 1x points everywhere else Visa is accepted.
- You also get H.O.G. membership rewards 1 point for every mile ridden. There is no annual fee; you; you can use this card to help build or repair your credit score.
The card has a high-interest rate, but if you make your payments on time, you can improve your credit score.
#5. Capital One Venture Rewards Credit Card
Depending on which travel cards you’re looking at, the Capital One Venture Rewards Credit Card could be a great option for you.
This card offers unlimited, flat-rate travel miles on all purchases which is a great way to rack up rewards. In addition, there are no foreign transaction fees so you can use your card while traveling abroad without having to worry about extra fees.
One of the best benefits of this card is that you can get up to $100 credit for Global Entry or TSA Pre Check application fee. This can come in handy if you’re a frequent traveler.
However, one downside of this card is that the $95 annual fee isn’t entirely offset by yearly benefits.
Another downside is that miles are only worth 1 cent or less unless using select airline transfer programs.
Overall, this is a great option for those who are looking for a rewards credit card with some great benefits.
Features of the Capital One Venture Rewards Credit Card
- Unlimited, flat-rate travel miles on all purchases
- No foreign transaction fees
- $100 credit for Global Entry or TSA PreCheck application fee
- $95 annual fee
- Miles only worth 1 cent or less unless using select airline transfer programs
The Capital One Venture Rewards Credit Card is a great option for those who are looking for a rewards credit card with some great benefits.
However, one downside is that the $95 annual fee isn’t entirely offset by yearly benefits.
In conclusion , these are five of the best credit cards depending on what you’re looking for. There’s a card for those with bad credit, excellent credit, and everyone in between.
Do your research to find the best card for you and your spending habits. With so many options available, you’re sure to find the perfect card for your needs.
If you have questions about credit cards or need help finding the best card for you, contact us and we’d be happy to help.
FAQs about Credit Cards
Which credit card companies use TransUnion?
Almost all credit card companies use TransUnion to help make lending decisions. Some of the most popular credit card companies that use Transunion include American Express, Discover, Capital One, and Chase.
Credit cards that use Transunion only for approval?
None, that we are aware of. While there may be some out there, it’s more likely that credit card companies use multiple sources when making lending decisions.
Can I get a credit card with no credit?
Yes, you can get a credit card with no credit. There are a few options available, but they typically come with high interest rates and fees. We recommend using a secured credit card to help build your credit so you can eventually get a card with better terms.