14 Top Credit Cards that Use Equifax Credit Report Data

14 Top Credit Cards that Use Equifax Credit Report Data

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: November 1, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Browsing the newspaper rack in any given city, a few things are likely to stand out. In particular, although the major headlines are often similar from front page to front page, many will have broadly different stories filling in the margins. This gives the impression that, while they’re all reporting on the same group of folks, each newspaper seems to use its own sources of information to do so.

The same thing can be said about the consumer credit bureaus. In other words, while all three of your credit reports are about you, the sources of information can vary from report to report. This is because these agencies rely on our creditors to report pertinent information to be added to our credit reports, rather than seeking it out. Additionally, your creditors can choose which report to query when running a credit check, further differentiating your reports.

No Issuer Will Pull Only Equifax Data All the Time

Given that your credit reports can show different information, you may end up with one report that is in better shape than the others. For example, hard credit inquiries occur when you apply for new credit. Many creditors will only pull your credit report from one or two bureaus, meaning you could end up with more hard inquiries on those reports than on reports queried less frequently.

One or two hard inquiries on any given report won’t have much impact on your overall score, typically only lowering it by a few points at most. However, a series of hard inquiries can have an exponentially greater impact, dropping your score more significantly — and acting as a giant red flag to potential creditors.

Equifax Logo

Whatever the source of your credit report disparities, it can be tempting to look for creditors who will pull only your best credit report when checking your credit.

Unfortunately, it’s nearly impossible to accurately predict which credit bureau a particular creditor will use for any given applicant. That’s because it can vary based on anything from the individual credit product to your particular location or even to the time of day.

Furthermore, no creditor exclusively pulls data from a single credit bureau for every application. This applies to Equifax data, as well as Experian and TransUnion. While some reviewers have reported successfully getting a creditor to pull a particular report upon request (or by freezing one or more of their credit reports), this method is hardly guaranteed to work.

Credit Card Issuers that Commonly Use Equifax for Approval

Although no credit card issuer will use Equifax data reliably for every application, many issuers will tend to use the same bureau for similar applications, such as for the same credit card product. Along those lines, the credit cards on our lists below are reported to frequently use Equifax credit reports for approval.

Remember that this is by no means a guarantee that an application for one of these cards will result in an Equifax credit inquiry. Issuers may pull Equifax data — or they may use Experian or TransUnion. Or they could use any combination of the three. Be cognizant when you apply.

Chase | Citibank | Discover | HSBC | Wells Fargo

Chase

Not only is Chase one of the largest credit card issuers in the world, with more than 93 million cardholders, but the issuer is also rated highly for its customer service. Chase’s huge collection of credit cards includes options for just about anyone, offering cash back rewards and lucrative points programs, as well as a variety of co-branded options for a customized credit experience.

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good
EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.7/5.0
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99%-24.74% Variable
$0
Excellent Credit

+See More Chase Credit Cards

Although Chase has a variety of credit card products, most of its offerings are designed for consumers with good to excellent credit scores. Additionally, Chase fairly stringently enforces its “5/24 Rule,” which automatically declines any applicant who has opened more than five new credit accounts within the last 24 months. This applies to Chase accounts as well as any other issuer.

Citibank

Citibank has a long history dating back to the City Bank of New York in 1812. Today’s Citi is a major credit card issuer, with over 48 million cardholders around the world. Citi’s offerings include several credit cards from which to choose, including its much-lauded flat-rate cash back card and intro APR options.

CITI® RATING
★★★★★
4.8
OVERALL RATING
0.0/5.0
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases.
  • Balance Transfers do not earn cash back.
  • 0% Intro APR on Balance Transfers for 18 months.
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track and no caps on cash back.
  • No annual fee*
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
14.49% - 24.49% (Variable)
$0
Excellent/Good
CITI® RATING
★★★★★
4.7
OVERALL RATING
0.0/5.0
  • The ONLY card with No late fees, No penalty rate, and No annual fee... EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 21 months
0% for 21 months
14.99% - 24.99% (Variable)
$0
Excellent/Good
CITI® RATING
★★★★★
4.6
OVERALL RATING
0.0/5.0
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • Points are redeemable for gift cards to popular retailers, restaurants and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • Earn 2X Points on dining out and entertainment
  • Earn 1X Points on all other purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.49% - 24.49% (Variable)
$0
Excellent

+See More Citi Credit Cards

Cards from Citi are typically aimed at consumers with good to excellent credit scores, with limited offerings for those building their credit. On the plus side, while many of the co-branded cards will have an annual fee, most cards offered solely by Citi will be annual-fee-free.

Discover

Both its own credit card network and issuer, Discover is responsible for launching the first credit card rewards program offering cash back rewards. Today, the issuer’s range of cards includes several cash back options, and also features its unique Cashback Match program that matches the cash back you earn in your first year.

Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent
Discover it® - 18 Month Balance Transfer Offer Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
11.99% - 23.99% Variable
$0
Good/Excellent
Discover it® Miles Review

at Discover Card'ssecure website

DISCOVER® RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent

+See More Discover Credit Cards

Although Discover’s best APRs and highest limits go to the most qualified applicants, the issuer has fairly flexible credit requirements for a prime credit card issuer. Discover even offers the Discover it® secured credit card, which comes with no annual fee that also earns rewards, both rare in the secured card market.

HSBC

Originally founded as the Hongkong and Shanghai Banking Corporation as a way to finance trade between Europe and Asia, HSBC is now a global bank with cardholders from around the world. HSBC’s stable of US cards includes multiple annual-fee-free cards, as well as solid options for cash back rewards or intro 0% APR deals.

BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Limited Time Offer: Earn unlimited 2% cash rewards on purchases made within 6 months of account opening, then 1.5% thereafter.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 13.99%, 17.99% or 23.99% variable APR.
  • No Foreign Transaction Fees.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR for 15 months
Variable APR of 13.99% - 23.99%
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 11.99%, 15.99% or 19.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 11.99% - 19.99%
$0
Good/Excellent

+See More HSBC Credit Cards

As a bank with a worldwide market, HSBC goes the next step to ensure you can use your card everywhere: each HSBC card comes free from foreign transaction fees. This means you can make purchases anywhere you travel in whichever currency is convenient, without paying for the privilege.

Wells Fargo

While it might be easy to assume Wells Fargo’s iconic logo is mere marketing, the bank actually began as a stagecoach line moving mail, money, and travelers across America’s West. Now, one of the largest banks in the world, Wells Fargo has issued over 24 million credit cards, including its popular cash back and points cards.

Wells Fargo Cash Wise Visa® Card Review

at Wells Fargo'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
13.99%-25.99% (Variable)
$0
Excellent/Good
Wells Fargo Propel American Express® Card Review

at Wells Fargo'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
13.99%-25.99% (Variable)
$0
Excellent/Good
Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

EXPERT'S RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.15%-25.99% (Variable)
$0
Excellent/Good

+See More Wells Fargo Credit Cards

In general, Wells Fargo credit cards are aimed at those with good to excellent credit. That said, the bank does offer several cards aimed at first-time cardholders and credit-builders, including both consumer and business secured credit cards.

Aim to Keep All Three Credit Reports in Good Shape

All in all, while you can’t predict which credit bureau will be queried when you apply for a new credit card, you can decrease the impact of the somewhat random selection. For instance, you can choose to apply for new cards sporadically, limiting the number of inquiries on all of your reports.

You can also practice responsible credit behaviors, including always paying your debts as agreed and maintaining low balances, so that all three of your reports look their best no matter which one is queried. You should also regularly check all three credit reports for errors or fraudulent accounts.

Think of it in terms of the newspaper stand again. To ensure you’re getting a balanced report on the city’s events, you should look at several papers, with several different viewpoints. One paper may cover an event that the others missed thanks to having its own sources. Any of your three credit reports can include information the others missed — and all three can contain things they shouldn’t.