Which Credit Cards Use TransUnion for Approval?

Which Credit Cards Use TransUnion for Approval?

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: April 5, 2018
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.

As the mother of four children, my aunt had to make peace with the idea that she couldn’t stay on top of every child every minute. Instead of trying to maintain constant vigilance — which would have been impossible (and exhausting) — she often relied on her children to report the important things to her (which they typically did at the top of their little lungs).

Like my aunt, the consumer credit bureaus simply have too many people to keep track of to spend time seeking out information on them all. Instead, they rely on information reported to them by your creditors and lenders.

Since some creditors fail to report to all three bureaus, the information in your reports can vary based on the source. At the same time, future creditors, including credit card issuers, can choose which bureau (or multiple bureaus) to query when checking your credit.

No Issuer Exclusively Pulls From TransUnion

In some cases, the fact that each credit report could hold different information can mean that your ability to qualify for a certain credit card may depend on which credit bureau the issuer queries. Unfortunately, it’s not really possible to predict which credit bureau(s) an issuer will use at any given time, as that decision can vary based on anything from the specific product to your location.

TransUnion Logo

Furthermore, despite the occasional blog or forum post full of anecdotal “evidence,” no issuer exclusively pulls from a single credit bureau for every individual credit check. This applies to Equifax, Experian, and TransUnion alike.

That being said, some types of information will tend to rely most heavily on TransUnion data; specifically, the educational credit scores you receive from a variety of popular credit score tracking websites and applications will typically use TransUnion data and VantageScore modeling to generate your scores.

Credit Card Issuers that Frequently Use TransUnion Data

While credit card issuers don’t exclusively use a particular bureau, issuers, like people, are habitual, and many will frequently use the same bureau for credit checks. For instance, the issuers below are reported to regularly rely on TransUnion data for credit card applications.

Of course, there are no guarantees that an application for one of these cards will use a TransUnion credit inquiry to evaluate your credit risk. Your application process may involve data from TransUnion, but may use Equifax or Experian data instead of — or in addition to — information from your TransUnion report.

 Chase | Capital One | Barclays | BBVA Compass | Fifth Third Bank | US Bank

Chase

While its most recent rebranding occurred in 2000, the ancestry of JPMorgan Chase, or Chase Bank, goes as far back as 1799. One of the largest banks in the world, Chase has more than 5,100 branches in the US alone, and offers more than a dozen credit cards, including a variety of co-branded partner cards.

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 16.49-25.24%. 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
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% 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
  • 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 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good
EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 12 months
0% Intro APR on Balance Transfers for 12 months
14.74% - 20.74% Variable
$0
Excellent Credit

Many of Chase’s credit cards earn the popular Ultimate Rewards point, which can be redeemed for cash back, merchandise, or travel reimbursement. Ultimate Rewards points can also be transferred to airline and hotel partners for added redemption value.

Capital One

Capital One is a young bank, founded just a few decades ago in 1988, that has quickly grown into a major player, now with over 650 locations across the country. Whether you prefer to earn unlimited cash back or blackout-free travel rewards, Capital One has a matching card to add to your wallet.

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
4.8/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn 10 miles per dollar on hotels when you pay with your Venture card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.49% - 24.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.49%-24.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.49%-24.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
0% for 9 months
14.49% - 24.49% (Variable)
$0
Excellent, Good

An extra perk of Capital One’s credit cards is that they can be used to get a discount on coffee purchased with your card at any Capital One Cafe location around the country.

Barclays

The Barclays credit card was launched in 1966 as the first British credit card to be introduced to the UK. Today, Barclays offers a range of credit card products, with options ranging from cash back and travel rewards to co-branded partner cards.

Barclaycard Ring™ Mastercard® Review

at Barclaycard'ssecure website

BEST OVERALL RATING
★★★★
4.3
OVERALL RATING
4.3/5.0
  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
10.49% Variable
$0
Excellent Credit

The Barclaycard Ring™ Mastercard® comes with a low ongoing APR and no annual fee.

8. AAdvantage® Aviator™ Red World Elite Mastercard®

The AAdvantage® Aviator™ Red World Elite Mastercard® earns miles toward free flights on American Airlines, which flies to more than 50 countries and 350 individual destinations.

Barclaycard AAdvantage® Aviator™ Red World Elite Mastercard®

  • Earn 2X miles on eligible American Airlines purchases, 1X mile on all other purchases
  • Enjoy your first checked bag free
  • Received 10% of redeemed miles back

Cardholders can really make the most of their AAdvantage® Aviator™ Red World Elite Mastercard® by meeting the spending requirement for its hefty signup bonus.

BBVA Compass

BBVA Compass is a subsidiary of the Spanish multinational financial organization, Banco Bilbao Vizcaya Argentaria. The company operates 665 branches across seven states in the US, including Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

9. BBVA Compass ClearPoints Credit Card

The BBVA Compass ClearPoints Credit Card is a great option for those who want to pick how they earn, offering bonus rewards in categories you get to select. Bonus categories include things like travel, restaurants, and home improvement stores.

BBVA Compass ClearPoints Credit Card

  • Earn 3X points per $1 in a category of your choice, plus 2X points per $1 in an additional category you select
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee, ever

New cardholders can also enjoy an extra $100 bonus for spending $1,500 within the first three months of opening their account.

10. BBVA Compass Select℠ Credit Card

Cardholders of the BBVA Compass Select℠ Credit Card can take control of their rewards by selecting up to three bonus rewards categories of their choice from options like Airlines, Dining & Hotels, and more.

BBVA Compass Select℠ Credit Card

  • Earn 3X points per $1 in a category of your choice, plus 2X points per $1 in two other categories you select
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee the first year, then $125

As a Visa Signature card, the BBVA Compass Select℠ Credit Card also comes with perks from Visa, including travel and entertainment benefits and a 24/7 concierge.

11. BBVA Optimizer Credit Card

The BBVA Optimizer Credit Card is a secured credit card, which means you’ll make a cash deposit to open and secure the credit line. This makes the Optimizer a good choice for those who want to build or establish their credit.

BBVA Optimizer Credit Card

  • Credit-builder card secured by an interest-bearing collateral savings account
  • Increase your credit line by adding to your deposit
  • Use your card anywhere Visa is accepted

Secured credit cards act exactly like unsecured credit cards for making purchases both in-store and online, so your Optimizer card can be used anywhere that accepts Visa cards.

Fifth Third Bank

Originally launched as the Bank of the Ohio Valley in 1858, Fifth Third Bank has over 150 years of experience offering banking and credit services to the American public. Fifth Third now operates over 1,200 locations country-wide, serving Ohio, Kentucky, Indiana, Illinois, Michigan, Tennessee, West Virginia, Florida, Georgia, and North Carolina.

12. Fifth Third TRIO® Credit Card

You won’t have to keep track of rotating categories with the TRIO® Credit Card from Fifth Third Bank. Instead, enjoy up to 3% cash back rewards in yearlong categories that include everyday necessities like gas and groceries.

Fifth Third TRIO® Credit Card

  • Earn 3% cash back at restaurants, plus 2% cash back on gas and at grocery and drug stores
  • Earn 1% cash back on all other purchases
  • Pay no annual fee, ever

The TRIO card comes complete with a signup bonus for new cardholders when you meet the spending requirement.

13. Fifth Third Truly Simple® Credit Card

A popular option for those thinking of a balance transfer, Fifth Third’s Truly Simple® Credit Card provides an introductory 0% APR offer on purchases and balance transfers that can help make paying down debt more affordable.

Fifth Third Truly Simple® Credit Card

  • Enjoy 0% APR on new purchases and balance transfers for the first 15 billing cycles after you open your account
  • No penalty APR for missed payments
  • Pay no annual fee, ever

You can also receive protection for your cellphone by paying your monthly wireless bill with your Truly Simple® Credit Card.

14. Fifth Third Secured Card

With as little as a $300 deposit, you can open a Fifth Third Secured Card that reports to all three credit bureaus, making it a good choice to establish or rebuild your credit.

Fifth Third Secured Card

  • Credit-builder card secured by an interest-bearing collateral savings account
  • Increase your credit line by adding to your deposit
  • Use your card anywhere Mastercard is accepted

You can increase your available credit limit anytime by adding to your deposit, with your credit line equal to 100% of your deposit amount.

US Bank

Although its modern iteration was founded nearly 50 years ago, US Bank’s heritage can be traced back over 150 years. Today, US Bank has over 3,100 branches across the country and offers a wide range of consumer credit products, including cash back and travel rewards credit cards.

15. U.S. Bank Altitude™ Reserve Visa Infinite® Card

The U.S. Bank Altitude™ Reserve Visa Infinite® Card is a big-benefit card exclusive to US Bank customers. The card is designed for frequent travelers who can take full advantage of the extra rewards for travel purchases and annual travel reimbursements.

U.S. Bank Altitude™ Reserve Visa Infinite® Card

  • Earn 3X points per $1 on eligible travel purchases and mobile wallet spending
  • Receive up to $325 annual travel reimbursements
  • Receive 12 annual complimentary wifi passes

Since the Altitude Reserve is a Visa Infinite card — one of only a handful in the US — cardholders will also enjoy a range of Visa Infinite benefits, including exclusive airfare discounts and other travel-centric perks.

16. U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card gives you huge rewards and control over how you earn them by letting you select your bonus categories. Plus, earn an extra 0.5% for the first year.

U.S. Bank Cash+™ Visa Signature® Card

  • Earn 5% cash back in two categories of your choosing, plus 2% cash back in an additional category you select
  • Earn 1% cash back on all other purchases
  • Pay no annual fee, ever

Enjoy all the perks of being a Visa Signature cardholder with your U.S. Bank Cash+™ Visa Signature® Card, including a bevy of special travel benefits.

17. U.S. Bank FlexPerks® Gold American Express® Card

Offering bonus points on restaurants, gas, and airline purchases, the U.S. Bank FlexPerks® Gold American Express® Card can help you earn no matter how you travel.

U.S. Bank FlexPerks® Gold American Express® Card

  • Earn 3X points per $1 at restaurants, plus 2X points per $1 on airline and gas station purchases
  • Earn 1X per $1 on all other purchases
  • Enjoy complimentary Boingo wifi

Rewards earned with your FlexPerks card can be redeemed toward air travel, hotel stays, merchandise, gift cards, and statement credits.

Regularly Check All Three Credit Reports for Best Results

When it comes to applying for a new credit card, you can do a lot to improve your odds of approval by simply applying for the card for which you are most qualified. While it may be tempting to try and nudge the odds by selecting cards from issuers that only pull from the bureau with your cleanest credit report, the unfortunate truth is that there really is no controlling or accurately predicting which bureau(s) will be queried.

The easiest way to ensure your credit always looks its best is to regularly check all three of your credit reports, which you can do once a year for free through AnnualCreditReport.com. Like my aunt’s periodic trips from room to room to double check that everyone was where they were supposed to be — and had the correct number of pieces — routinely keeping up with your credit report can go a long way toward keeping your financial house in order.