5 Credit Cards That Use TransUnion For Approvals
If you have bad credit, it may feel like there are no credit cards available to you anymore, but that’s simply not true. There are plenty of credit cards out there that don’t check your credit with the Big 3 credit bureaus – and they can help you build a good credit history! In fact, all 5 of the cards in this article use TransUnion as their main source of information on applicants. Here’s what we think of these 5 cards, along with links to learn more and apply!
1) Discover it® Secured
If you're new to credit, or your credit is less than perfect, the Discover it® Secured card might be a great option. It's a secured credit card, which means you'll need to put down a refundable security deposit of at least $200. Your security deposit will also act as your spending limit - so you can only spend up to the amount of money you've deposited. The best part about this card is that it reports to all three major credit bureaus (Experian, Equifax and TransUnion) so it can help improve your credit score over time.
The Discover it® Secured Card doesn't charge an annual fee or foreign transaction fees and there's no penalty rate for late payments.
2) Capital One® Platinum Credit Card
Capital One® Platinum Credit Card is a good choice for people who want the flexibility to pay off the balance over time. With this card, you can choose your monthly payment plan and make no more than one late payment every six months without being charged a fee. You also get access to travel benefits like trip cancellation insurance and car rental insurance. The card also has a low APR, which helps you save money on interest charges. The Capital One® Platinum Credit Card doesn’t have an annual fee, which makes it ideal for people who don’t want to spend more than they need to on their credit card each year.
3) First Progress Platinum Prestige Mastercard® Secured Credit Card
The First Progress Platinum Prestige Mastercard® Secured Credit Card is a great choice for people who want to build or rebuild their credit history. This card is secured by your deposit and reports to all three major credit bureaus. Additionally, you can get a low interest rate on an unsecured card after making timely payments for six months. If you need help with rebuilding your credit, this is the card for you!
4) Citi® Secured Mastercard®
The Citi® Secured Mastercard® is a credit card that uses the TransUnion credit score to determine if you are eligible. If you have a good credit history, this card will offer you a $200 credit limit. It has no annual fee and offers benefits such as fraud protection and roadside assistance. The best part about this card is that it does not require your security deposit upfront, so you can get approved for the card without putting down any money.
5) Wells Fargo Secured Visa® Card
The Wells Fargo Secured Visa® Card, for instance, is a card that has a $25 minimum opening deposit, and doesn’t require a credit check. This is great for people who have had trouble qualifying for other cards in the past. It also offers a zero liability policy on unauthorized purchases, as well as free access to your FICO score each month. The downside of this card is that it comes with an annual fee of $35.
FAQ
Q. Which banks only use TransUnion?
- Avianca.
- U.S Bank.
- Synchrony Bank.
- Capital One.
- Barclays.
- Apple Card - Goldman Sachs Bank.
Q. What are the credit cards that use TransUnion only?
- Chase Sapphire Reserve®
- Chase Freedom Unlimited®
- Chase Freedom Flex℠
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- Capital One Venture Rewards Credit Card.
- Capital One Quicksilver Cash Rewards Credit Card.
- Capital One VentureOne Rewards Credit Card.
- FRONTIER Airlines World Mastercard®
- JetBlue Card.
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Q. Does synchrony bank use TransUnion?
Q. What credit bureau does TransUnion use?
TransUnion uses the VantageScore® 3.0 credit score. Get more information about VantageScore.
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