What Are The Credit Cards That Use Transunion Only?

Have you ever wondered which credit cards use only TransUnion for credit checks? TransUnion is one of the three major credit bureaus in the United States. Knowing which credit cards use TransUnion only can be helpful if you’re looking to…

Have you ever wondered which credit cards use only TransUnion for credit checks? TransUnion is one of the three major credit bureaus in the United States. Knowing which credit cards use TransUnion only can be helpful if you’re looking to apply for new credit and want to avoid a hard inquiry on your credit report from the other bureaus. In this article, we’ll explore some of the credit cards that use TransUnion only, so you can make an informed decision when applying for new credit. Let’s get started!

What Are the Credit Cards That Use Transunion Only?

What Are the Credit Cards That Use TransUnion Only?

If you are looking for a credit card, you may find it difficult to choose from the many available options. One thing that can make the process easier is to focus on credit cards that use TransUnion only for credit checks. TransUnion is one of the three major credit bureaus, and many lenders use it to assess creditworthiness. In this article, we will give you a rundown of some of the best credit cards that use TransUnion only.

1. Discover it® Cash Back

Discover it® Cash Back is a great credit card that uses TransUnion only for credit checks. This credit card offers a generous cashback program, with 5% cash back on rotating categories each quarter, up to the quarterly maximum, and 1% cash back on all other purchases. There is no annual fee for this credit card, and it also comes with a 0% introductory APR for 14 months on purchases and balance transfers.

If you are looking for a credit card that offers cash back rewards, Discover it® Cash Back is a great option. Plus, since it only uses TransUnion for credit checks, you can feel confident that applying for this credit card won’t negatively impact your credit score with the other credit bureaus.

2. Capital One® Quicksilver® Cash Rewards Credit Card

Another credit card that uses TransUnion only for credit checks is the Capital One® Quicksilver® Cash Rewards Credit Card. This credit card offers 1.5% cash back on all purchases, with no limit on how much you can earn. There is no annual fee for this credit card, and it also comes with a 0% introductory APR for 15 months on purchases and balance transfers.

If you are looking for a straightforward cash back credit card with no annual fee, the Capital One® Quicksilver® Cash Rewards Credit Card is a great option. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

3. Citi® Double Cash Card

The Citi® Double Cash Card is another credit card that uses TransUnion only for credit checks. This credit card offers 2% cash back on all purchases – 1% when you buy and 1% when you pay your credit card bill. There is no annual fee for this credit card, and it also comes with a 0% introductory APR for 18 months on balance transfers.

If you are looking for a credit card that offers a high cash back rate on all purchases, the Citi® Double Cash Card is a great choice. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

4. Bank of America® Cash Rewards Credit Card

The Bank of America® Cash Rewards Credit Card is a credit card that uses TransUnion only for credit checks. This credit card offers 3% cash back in a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. There is no annual fee for this credit card, and it also comes with a 0% introductory APR for 15 billing cycles on purchases and balance transfers.

If you are looking for a credit card that offers bonus cash back in a category of your choice, the Bank of America® Cash Rewards Credit Card is a great option. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

5. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is a credit card that uses TransUnion only for credit checks. This credit card offers 1.5% cash back on all purchases, with no limit on how much you can earn. There is no annual fee for this credit card, and it also comes with a 0% introductory APR for 15 months on purchases and balance transfers.

If you are looking for a credit card that offers a flat cash back rate on all purchases, the Chase Freedom Unlimited® is a great option. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

6. American Express Blue Cash Preferred® Card

The American Express Blue Cash Preferred® Card is another credit card that uses TransUnion only for credit checks. This credit card offers 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. There is a $95 annual fee for this credit card.

If you are looking for a credit card that offers high cash back rates on everyday purchases, the American Express Blue Cash Preferred® Card is a great choice. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

7. USAA® Cashback Rewards Plus American Express® Card

The USAA® Cashback Rewards Plus American Express® Card is a credit card that uses TransUnion only for credit checks. This credit card offers 5% cash back on the first $3,000 in gas and military base purchases annually, 2% cash back on the first $3,000 in supermarket purchases annually, and 1% cash back on all other purchases. There is no annual fee for this credit card.

If you are a member of the military or have a family member who is, the USAA® Cashback Rewards Plus American Express® Card is a great credit card option. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

8. Wells Fargo Cash Wise Visa® Card

The Wells Fargo Cash Wise Visa® Card is another credit card that uses TransUnion only for credit checks. This credit card offers 1.5% cash back on all purchases, with no limit on how much you can earn. It also offers a $150 cash rewards bonus when you spend $500 in the first 3 months of account opening. There is no annual fee for this credit card, and it also comes with a 0% introductory APR for 15 months on purchases and balance transfers.

If you are looking for a straightforward cash back credit card with a sign-up bonus, the Wells Fargo Cash Wise Visa® Card is a great option. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

9. PNC Cash Rewards® Visa® Credit Card

The PNC Cash Rewards® Visa® Credit Card is a credit card that uses TransUnion only for credit checks. This credit card offers 4% cash back on gas station purchases, 3% cash back on dining purchases, and 2% cash back on grocery store purchases. There is no annual fee for this credit card, and it also comes with a 0% introductory APR for the first 12 billing cycles.

If you are looking for a credit card that offers bonus cash back on gas, dining, and grocery purchases, the PNC Cash Rewards® Visa® Credit Card is a great option. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

10. PayPal Cashback Mastercard®

The PayPal Cashback Mastercard® is a credit card that uses TransUnion only for credit checks. This credit card offers 2% cash back on all purchases, with no limit on how much you can earn. There is no annual fee for this credit card.

If you are looking for a credit card that offers a flat cash back rate on all purchases, the PayPal Cashback Mastercard® is a great option. And since it only uses TransUnion for credit checks, you can apply for this credit card without worrying about impacting your credit score with the other credit bureaus.

In conclusion, these are some of the best credit cards that use TransUnion only for credit checks. Applying for these credit cards can help you avoid negative impacts on your credit score with the other credit bureaus. Choose the credit card that meets your needs and start earning cash back rewards today!

Frequently Asked Questions

How important is the credit score when applying for a credit card?

A credit score is one of the most important factors that lenders use to determine your creditworthiness. It represents your credit history, payment history, and other financial behaviors. When you apply for a credit card, the issuer will check your credit score to determine if you qualify for their card.

If you have a high credit score, you are more likely to be approved for a credit card with better terms and rewards. In contrast, if you have a low credit score, you may be denied a credit card or be offered one with higher interest rates and fees.

What is TransUnion?

TransUnion is one of the three major credit bureaus in the United States, along with Equifax and Experian. It collects and maintains credit information on consumers, such as credit history, payment history, and outstanding debt. Lenders use this information to evaluate a consumer’s creditworthiness when they apply for credit cards, loans, or mortgages.

TransUnion also provides credit monitoring services, fraud detection, and identity theft protection. Consumers can access their credit reports and credit scores through TransUnion’s website.

Do all credit card issuers use TransUnion?

No, not all credit card issuers use TransUnion. While TransUnion is one of the three major credit bureaus, some issuers may use only one or two bureaus to check a consumer’s creditworthiness. Additionally, some issuers may use a combination of the three bureaus or other credit reporting agencies to evaluate credit applications.

It is important to note that the credit bureau that a lender uses may vary depending on the issuer’s preference or the consumer’s location. Therefore, it is always a good idea to review your credit report from all three bureaus to ensure that your credit information is accurate and up-to-date.

What are some credit cards that use TransUnion only?

There are several credit cards that use TransUnion only, such as the Capital One Venture Rewards Credit Card, the Chase Freedom Unlimited Card, and the Discover it Cash Back Card. However, it is important to note that while these issuers may use TransUnion to check a consumer’s creditworthiness, they may also use other credit bureaus or reporting agencies in their evaluation process.

Therefore, it is always best to review the issuer’s terms and conditions and check your credit report from all three credit bureaus before applying for a credit card.

How can I improve my credit score?

Improving your credit score takes time and effort, but there are several steps you can take to help boost your score. These include paying your bills on time, keeping your credit card balances low, and only applying for credit when you need it.

You can also improve your credit score by monitoring your credit report for inaccuracies and disputing any errors that you find. Additionally, you can consider opening a secured credit card or becoming an authorized user on someone else’s credit card to help build your credit history.

Transunion Credit Report Reviews 2022: 5 Best Credit Cards That Pull Transunion Credit Report.


In conclusion, if you are looking for credit cards that use TransUnion only, there are a few options available to you. These cards are ideal for those who want to build or improve their credit score, as TransUnion is one of the three major credit bureaus that lenders use to evaluate creditworthiness.

Some of the credit cards that use TransUnion only include the Capital One Platinum Credit Card, the Discover it Secured Credit Card, and the Petal 2 “Cash Back, No Fees” Visa Credit Card. Each of these cards has its own unique benefits and features, so it’s important to do your research and choose the one that best suits your needs.

No matter which card you choose, be sure to use it responsibly and make all payments on time to avoid damaging your credit score. With the right credit card and financial habits, you can establish a positive credit history and achieve your financial goals.

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