Which Credit Card Uses Transunion For Approval? If you’re looking for credit cards that use TransUnion for approval only, you might be out of luck. None of the credit cards on the market use TransUnion exclusively to assess the creditworthiness of applicants.
This is because credit bureaus rely on information reported to them by creditors and lenders. And some creditors don’t report to all three bureaus, so the news in your reports may vary depending on the source.
That said, if you have a good credit history with TransUnion, you are more likely to be approved for a credit card.
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Which Credit Card Uses TransUnion Only?
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 app will only use data from Transunion, it is often the main credit reporting agency.
If you have a strong credit history with TransUnion, you are more likely to be approved for a credit card.
To answer your question on “which credit card uses TransUnion for approval” here are some of the most popular options:
Credit Cards Using TransUnion For Approval!
Which credit card uses TransUnion for approval; here are some of the best credit cards using TransUnion for approval!
- Wells Fargo Platinum Visa for APRger 0% A.P.R.
- Barclaycard Ring Mastercard: The Best For Low APR
- Harley Davidson insured (US bank) for bad credit
- Chase Freedom Flex
- Capital One Venture Rewards Credit Card
1. Wells Fargo Platinum Visa for APRger 0% A.P.R.
If you are looking for a credit card with a long APR of 0% A.P.R. period and with no annual fee, the Wells Fargo Platinum Visa is a good option to consider. This card offers monthly APRs of 0% T.A.P. on qualifying purchases and balance transfers, giving you some breathing room as you try to pay off debt.
In addition, this card offers cell phone insurance, which can help protect your investment in the event of damage or theft.
However, it is important to note that this card requires good or excellent credit for approval.
No rewards are offered either, which can be inconvenient for some users.
The Wells Fargo Platinum Visa Card is a solid option for those seeking a wiAPRa A.P.R. period of time.
Wells Fargo PlatinumAPRsa Features
- No Reward Points
- No annual fees
- Mobile phone insurance
- Good or excellent credit is required
- 18 months 0% A.R.E. about eligible purchases and balance transfers
The Wells Fargo Visa Platinum is a good option for those with good to excellent credit looking for a nAPRee card with an introductory APR period of time.
2. Barclaycard Ring Mastercard: The Best for Low APR
A handful of credit cards are using TransUnion for approval, but Barclaycard Ring Mastercard is no longer accepting applications. As a result, cardholders have few options for credit cards that TransUnion can use.
The Barclaycard Ring Mastercard had an annual fee of $0 and offered an introductory rate of 0% for 15 months on balance transfers made within 45 days of account opening, and then a variable APR of 14.24% would apply.
Features of the Barclaycard Ring Mastercard
- No Reward Points
- No annual fees
- 14.24% VariaAPR A.P.R. after
- 0% IntroAPRP.R. for 15 months on balance transfers
The Barclaycard Ring Mastercard is no longer available to new applicants but is still one of the best credit cards that TransUnion uses for approval. If you have this card, you can enjoy an APR 0% TAEtro. on balance transfers for 15 months.
3. Harley Davidson insured (US bank) for bad credit
The American Harley-Davidson Secured Card Bank is a good option for those with bad credit who want rewards for their spending.
This card gives you
- 1x points at Harley-Davidson and gas stations,
- 1x points in restaurants and bars, and
- 1x points everywhere else Visa-HOG is accepted you also get an H.O.G. membership and earn 1 point for every mile traveled. There is no annual fee; You can use this card to build or restore your credit score.
The card has a high interest rate, but paying on time can improve your credit score.
4. Chase Freedom Flex
If you’re looking for a credit card that offers great rewards and doesn’t charge an annual fee, Chase Freedom Flex is a good option to consider.
This card offers 5% cash back on rotating bonus categories, in addition to fixed bonus categories such as dining and travel. YAPRll also enjoys an A.P.R. initially 0% on purchases and balance transfers for 15 months.
One drawback to this card is that it requires good or excellent credit for approval. Another is that the rewards program can be complicated to understand and follow.
However, if you can take advantage of the benefits this card offers, it can be a great option for getting cash back on your everyday expenses.
Chase Freedom Flex Features
- No annual fees
- 5% cashback on varying boAPR categories
- Good or excellent credit is required
- Complicated Rewards Program
- 0% A.R.E. initially on purchases and balance transfers up to 15 months
Chase Freedom Flex is a good option for those with good or excellent credit who are looking for a rewards card with no annual fee.
5. Capital One Venture Rewards Credit Card
Depending on the travel cards you are looking for, the Capital One Venture Rewards credit card may be a good option for you.
This card offers unlimited, flat-rate travel miles on all purchases, which is a great way to earn rewards. Plus, there are no foreign transaction fees, so you can use your card while traveling abroad without worrying about additional fees.
One of the best benefits of this card is that you can get up to $100 in credit towards the Global Entry or TSA PreCheck application fee. This can be useful if you are a frequent traveler.
One drawback to this card, however, is that the $95 annual fee is not fully offset by the annual benefits.
Another drawback is that miles are only worth 1 cent or less unless certain airline transfer programs are used.
Overall, this is a great option for those looking for a rewards credit card with great benefits.
Capital One Venture Rewards Credit Card Features
- Unlimited, flat-rate travel miles on all purchases
- No fees for foreign transactions
- $100 credit towards the Global Entry or TSA PreCheck application fee
- $95 Annual Fee
- Miles are only worth 1 cent or less unless you use certain airline transfer programs
The Capital One Venture Rewards credit card is a great option for those looking for a rewards credit card with great benefits.
One drawback, however, is that the $95 annual fee isn’t fully offset by the annual benefits.
What it comes down to:
In short, these are five of the best credit cards depending on what you’re looking for. There’s a card for those with bad credit, great 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 are sure to find the perfect card for your needs.
FAQ – Which Credit Card Uses Transunion For Approval?
Which credit card uses TransUnion?
Almost all credit card companies use TransUnion to make credit decisions. Some of the more popular credit card companies that use Transunion include Barclaycard Ring Mastercard, American Express, Discover, Capital One, and Chase.
Can I get a credit card without credit?
Yes, you can get a credit card with no credit. There are a few options available, but they usually come with high interest rates and fees. We recommend using a secured credit card to build up your credit so that you can eventually get a card with better terms.
Which bank uses TransUnion?
So in a sense, all credit cards use TransUnion. That said, applicants who have spoken about their online experiences give the impression that Barclaycard, U.S. Bank, and Wells Fargo got credit reports from TransUnion earlier. No annual fees, balance transfer fees, or foreign transaction fees.
Does Capital One use TransUnion?
Capital One appears to use all three major credit bureaus: Equifax, Transunion, and Experian.
Does Chase use TransUnion?
Which credit bureau uses Chase the most? Chase primarily uses Experian as its credit bureau but also uses TransUnion and Equifax for certain cards in certain states.
Does Amex have TransUnion?
Yes, American Express reports authorized users to all three major credit bureaus (Experian, Equifax, and TransUnion).
Is your TransUnion or Equifax more important?
Is TransUnion more important than Equifax? The short answer is no. Both TransUnion and Equifax are reputable credit reference agencies that compile reports and calculate your credit scores using various scoring models.
Does Discover use TransUnion?
Discover provides your score based on data from your TransUnion® credit report. Scores may vary based on data from your Experian or Equifax credit report. The score Discover provides is a snapshot of your information at any given time and often varies from month to month.
Conclusion – Which Credit Card Uses Transunion For Approval
If you’re interested in applying for a credit card that uses TransUnion credentials for approval, we have helped you with some of the most popular options.
Thank you, for reading our post on which credit card uses TransUnion for approval. If you have any questions about credit cards or need help finding the best card for you, get in touch and we’ll be happy to help.