The credit cards that use Transunion include some of the most popular US credit card options like Amex, Chase, Citi, Capital One, US Bank, and Fifth Third Bank.
That said, these credit cards do not exclusively pull from Transunion. And, before you apply, there are important factors you should consider.
In this article, we’re going to break down these factors and help you navigate the application process.
Additionally, if you’re ready to start applying you can use our other free resources to access some of the best cards available, including how to apply for an American Express for non-US residents and much more.
Feel free to use the table of contents to jump ahead to any sections that are immediately relevant to your search.
Table of Contents
- Credit Cards That Use TransUnion
- How to Apply for Credit Cards in the US
- Frequently Asked Questions
- Ready to Open Accounts with Banks in the USA?
Credit Cards That Use TransUnion
No credit card relies exclusively on TransUnion or any other credit agency. Credit card companies pull from multiple sources in order to capture a complete picture of the applicant’s credit history and worthiness.
That said, as mentioned in the introduction, there are certain credit cards that rely heavily on TransUnion. These credit card companies include Amex, Chase, Citi, Capital One, US Bank, and Fifth Third Bank.
That said, less traditional credit card options also pull from TransUnion when performing credit checks, including Apple, Amazon, and Costco.
Alternatively, if you’re searching for cards used by small businesses, such as virtual credit cards for employees, you can use this link to access our free guide to learn more.
Rewards Credit Card Options
In terms of specific rewards cards that pull from TransUnion, the most sought-after options include several Amex cards and Chase rewards cards. Surprisingly, these cards are available to both US residents and non-residents.
However, in most cases, there are several steps that need to be taken before a non-resident can apply for these top reward card choices.
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How to Apply for Credit Cards in the US
If you are a US resident, applying for a credit card in the US is a straightforward process. That said, if you are a non-US resident, you will have significantly fewer options available. In most cases, you will also need to establish credit history in the United States before you will be able to apply for more sought-after credit cards.
To help non-residents navigate this process, our team has published a detailed US Credit card report for foreign non-residents. This report outlines the specific strategies for establishing credit history in the US for non-residents, including groupings based on citizenship and residency, as well as information on how to approach applications to increase the likelihood of a positive outcome.
Credit Card Issuers
The specific credit card issuers that non-residents can apply to include a wide range of options, including the most sought-after reward cards like Amex and Chase. That said, in order to apply for these cards, applicants either need an existing relationship with the specific credit card issuer that they are considering or they need to have US credit history. Again, our dedicated US credit card report for non-residents will help you navigate the available options.
Frequently Asked Questions
Below are two of the most common questions that we receive from people looking to understand which credit cards use TransUnion. If you have further questions you would like answered, don’t hesitate to get in touch with us directly.
Which Banks Only Use TransUnion?
There is not a single bank that relies exclusively on TransUnion data when completing a credit check on a credit applicant. Instead, most banks and credit card companies will pull information from multiple sources. That said, there are several banks that will rely more heavily on TransUnion than others, including Amex, Chase, Citi, Capital One, US Bank, and Fifth Third Bank.
Which Credit App Uses TransUnion?
The specific credit applications that use TransUnion include traditional financial service providers like Amex, Chase, Citi, Capital One, US Bank, and Fifth Third Bank as well as less traditional financial service providers like Apple, Amazon, and Costco. That said, none of these financial service providers rely exclusively on TransUnion and will leverage additional information from other platforms before making a final credit decision.
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