Credit Cards That Use TransUnion<\/h3>\n- Upgrade Cash Rewards Visa\u00ae<\/a> – Best For Cash Back<\/li>\n
- Destiny\u00ae Mastercard\u00ae<\/a> – Best For Credit Building<\/li>\n<\/ul><\/div>\n\n\n
This strategy is often employed by individuals who think their TransUnion score could enhance their chances of getting approved for a credit card. <\/p>\n\n\n\n
However, it’s crucial to be aware that credit card issuers typically don’t reveal which credit bureaus they consult and may not exclusively rely on TransUnion for credit assessments.<\/strong><\/p>\n\n\n<\/div>What You Need to Know:<\/h3>\n- \n
Credit Bureau Usage is Varied and Unpredictable:<\/strong><\/p>\n\n- Credit card issuers may primarily use TransUnion, but Equifax and Experian are also commonly used.<\/li>\n
- The choice of bureau can depend on various factors, including the specific card, application details, or the applicant’s location.<\/li>\n<\/ul>\n<\/li>\n
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Impact of Minor Score Differences:<\/strong><\/p>\n\n- Small discrepancies in credit scores from different bureaus generally don’t have a significant impact on credit decisions.<\/li>\n
- Lenders consider a wider array of criteria beyond just a single credit score.<\/li>\n<\/ul>\n<\/li>\n
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Addressing Major Score Discrepancies:<\/strong><\/p>\n\n- Substantial differences in credit scores across bureaus could indicate potential errors or fraud on your credit report.<\/li>\n
- Such discrepancies warrant immediate investigation and resolution.<\/li>\n<\/ul>\n<\/li>\n
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Emphasizing Overall Credit Health:<\/strong><\/p>\n\n- Focus should be on maintaining overall credit health rather than on which bureau’s report will be used.<\/li>\n
- Key practices include making timely payments, keeping credit utilization low, and having a diverse credit portfolio.<\/li>\n<\/ul>\n<\/li>\n<\/ol><\/div>\n\n\n
What is TransUnion?<\/h2>\n\n\n\n
TransUnion<\/a> stands as one of the three principal credit reporting agencies in the United States, sharing the space with Equifax and Experian. <\/p>\n\n\n\nWhen you submit an application for a credit card<\/a>, there’s a significant chance that the issuer might request your credit report from TransUnion.<\/p>\n\n\n<\/div>Certain issuers might review all three of your credit reports, whereas some may concentrate on just a single report. Additionally, there are instances where an issuer might not request any of your credit reports.<\/p><\/div>\n\n\n
Credit Cards That Use TransUnion<\/h2>\n\n\n\n
Numerous credit card issuers rely on TransUnion to assess creditworthiness before issuing a credit card.<\/p>\n\n\n\n
Major credit card companies such as American Express<\/a>, Bank of America<\/a>, Capital One<\/a>, Chase<\/a>, Citi<\/a>, Discover<\/a>, and Wells Fargo<\/a> often utilize TransUnion in their evaluation process.<\/p>\n\n\n\nThese corporations may use TransUnion for purposes like verifying identities, examining credit histories, and assessing credit scores. Nonetheless, it’s not guaranteed that they will depend solely on TransUnion.<\/strong><\/p>\n\n\n\nOther credit card issuers that might use TransUnion for credit evaluations include lesser-known companies like Barclaycard, Upgrade, BB&T, and TD Bank.<\/p>\n\n\n\n
Upgrade Cash Rewards Visa\u00ae<\/strong><\/h3>\n\n\n\nThe Upgrade Cash Rewards Card offers:<\/p>\n\n\n
\n![\"\"](\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/11\/upgrade-cash-rewards.jpg\")
<\/figure><\/div>\n\n\n\n- 1.5% Unlimited Cash Back<\/strong>: Earn on every purchase.<\/li>\n\n\n\n
- $200 Welcome Bonus<\/strong>: For opening a Rewards Checking Plus account and making 3 debit card transactions.<\/li>\n\n\n\n
- No Annual or Late Fees<\/strong>: Cost-effective for users.<\/li>\n\n\n\n
- Credit Line Options<\/strong>: Ranges from $500 to $25,000.<\/li>\n\n\n\n
- Fixed-Rate Monthly Payments<\/strong>: Combines credit card flexibility with personal loan predictability.<\/li>\n\n\n\n
- Extra Cash Back<\/strong>: Up to 10% through Upgrade Shopping powered by Dosh\u00ae on eligible purchases.<\/li>\n\n\n\n
- Visa Network Access<\/strong>: Accepted widely with contactless payment technology.<\/li>\n<\/ul>\n\n\n\n
This card is ideal for those seeking consistent cash back and additional savings without annual fees.<\/p>\n\n\n
Apply Now<\/a><\/div>\n\n\nDestiny\u00ae Mastercard\u00ae<\/h3>\n\n\n\n
The\u00a0Destiny\u00ae Mastercard\u00ae<\/a>\u00a0is worth considering if you\u2019re looking to build your credit score.<\/p>\n\n\n\n![\"\"](\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/03\/destiny-mastercard.png\")
Indigo\u00ae Platinum Mastercard\u00ae<\/figcaption><\/figure><\/div>\n\n\nThis card has an\u00a0annual fee of $75<\/strong>, with a 25-day interest-free period.<\/p>\n\n\n\nAlthough this card doesn\u2019t have a rewards program, it\u2019s a good option if you have less-than-perfect credit and want to\u00a0improve your score<\/a>.<\/p>\n\n\n\nPre-qualification requires\u00a0only a soft credit check<\/strong>\u00a0so your credit won\u2019t be impacted.<\/p>\n\n\nApply Now<\/a><\/div>\n\n\nChase Freedom\u00ae Flex Card<\/h3>\n\n\n\n![\"\"](\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/03\/freedom-flex-card-alt.png\")
<\/figure><\/div>\n\n\nThe Chase Freedom\u00ae Flex Card<\/a> is a great option if you’re looking for a cash-back card that uses TransUnion. With this card, you’ll earn 5% cash back<\/strong> on up to $1,500 in combined purchases in bonus categories each quarter you activate. <\/p>\n\n\n\nPlus, you’ll earn 1% cash back on all other purchases<\/strong>. There’s no annual fee for this card, making it a great option for budget-minded consumers.<\/p>\n\n\n\nIf you’re looking for a travel rewards card<\/a> that uses TransUnion, the Capital One\u00ae VentureOne\u00ae Rewards Credit Card is worth considering. <\/p>\n\n\nCompare credit cards<\/a><\/div>\n\n\nDiscover it\u00ae Cash Back Card<\/h3>\n\n\n\n![\"\"](\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/04\/discover-it-cash-back.png\")
<\/figure><\/div>\n\n\nWith the Discover it\u00ae Cash Back Card<\/a>, you earn 5% cash back every quarter on all purchases from grocery stores, restaurants, and gas stations, plus a 1% cash back on all other purchases automatically. <\/p>\n\n\n\nAt the end of the first year, you’ll also get a dollar-for-dollar cash back match on all the cash back you’ve earned automatically.<\/p>\n\n\n\n
The Discover it\u00ae Cash Back Card has a variable APR starting at 16.49% with a 0% intro APR for the first 15 months. <\/p>\n\n\n\n
Chase Sapphire Reserve\u00ae<\/h3>\n\n\n\n![\"\"](\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2023\/04\/sapphire-reserve-card.png\")
<\/figure><\/div>\n\n\nWith the Chase Sapphire Reserve\u00ae<\/a>, you can travel worldwide and earn 5x points on flights. You earn 10x points on hotels and car rentals after your first $300 spent annually by purchasing travel through Chase Ultimate Rewards\u00ae. <\/p>\n\n\n\nYou’ll also automatically receive up to $300 in statement credits every year. <\/p>\n\n\n\n
The Chase Sapphire Reserve\u00ae has a variable APR of 21.49% – 28.49% and the annual fee is $550 per year, with $75 for each additional cardholder. <\/p>\n\n\n\n
Citi\u00ae Double Cash Card<\/h3>\n\n\n\n![\"Citi](\"https:\/\/financer.com\/app\/uploads\/sites\/11\/2021\/06\/citi-double-cash.png\")
<\/figure><\/div>\n\n\nThe Citi\u00ae Double Cash Card<\/a> is a rewards card that earns you 2% cash back on purchases. New account holders can also benefit from a 0% intro APR offer for 18 months on balance transfers. <\/p>\n\n\n\nThe card has no annual fee and you get all the usual perks: $0 liability on unauthorized changes, 24-hour fraud protection, and ID theft protection.<\/p>\n\n\n\n
Comparing Credit Cards That Use TransUnion<\/h2>\n\n\n\n
This strategy is often employed by individuals who think their TransUnion score could enhance their chances of getting approved for a credit card. <\/p>\n\n\n\n
However, it’s crucial to be aware that credit card issuers typically don’t reveal which credit bureaus they consult and may not exclusively rely on TransUnion for credit assessments.<\/strong><\/p>\n\n\n Credit Bureau Usage is Varied and Unpredictable:<\/strong><\/p>\n Impact of Minor Score Differences:<\/strong><\/p>\n Addressing Major Score Discrepancies:<\/strong><\/p>\n Emphasizing Overall Credit Health:<\/strong><\/p>\n TransUnion<\/a> stands as one of the three principal credit reporting agencies in the United States, sharing the space with Equifax and Experian. <\/p>\n\n\n\n When you submit an application for a credit card<\/a>, there’s a significant chance that the issuer might request your credit report from TransUnion.<\/p>\n\n\n Certain issuers might review all three of your credit reports, whereas some may concentrate on just a single report. Additionally, there are instances where an issuer might not request any of your credit reports.<\/p><\/div>\n\n\n Numerous credit card issuers rely on TransUnion to assess creditworthiness before issuing a credit card.<\/p>\n\n\n\n Major credit card companies such as American Express<\/a>, Bank of America<\/a>, Capital One<\/a>, Chase<\/a>, Citi<\/a>, Discover<\/a>, and Wells Fargo<\/a> often utilize TransUnion in their evaluation process.<\/p>\n\n\n\n These corporations may use TransUnion for purposes like verifying identities, examining credit histories, and assessing credit scores. Nonetheless, it’s not guaranteed that they will depend solely on TransUnion.<\/strong><\/p>\n\n\n\n Other credit card issuers that might use TransUnion for credit evaluations include lesser-known companies like Barclaycard, Upgrade, BB&T, and TD Bank.<\/p>\n\n\n\n The Upgrade Cash Rewards Card offers:<\/p>\n\n\n This card is ideal for those seeking consistent cash back and additional savings without annual fees.<\/p>\n\n\n The\u00a0Destiny\u00ae Mastercard\u00ae<\/a>\u00a0is worth considering if you\u2019re looking to build your credit score.<\/p>\n\n\n This card has an\u00a0annual fee of $75<\/strong>, with a 25-day interest-free period.<\/p>\n\n\n\n Although this card doesn\u2019t have a rewards program, it\u2019s a good option if you have less-than-perfect credit and want to\u00a0improve your score<\/a>.<\/p>\n\n\n\n Pre-qualification requires\u00a0only a soft credit check<\/strong>\u00a0so your credit won\u2019t be impacted.<\/p>\n\n\n The Chase Freedom\u00ae Flex Card<\/a> is a great option if you’re looking for a cash-back card that uses TransUnion. With this card, you’ll earn 5% cash back<\/strong> on up to $1,500 in combined purchases in bonus categories each quarter you activate. <\/p>\n\n\n\n Plus, you’ll earn 1% cash back on all other purchases<\/strong>. There’s no annual fee for this card, making it a great option for budget-minded consumers.<\/p>\n\n\n\n If you’re looking for a travel rewards card<\/a> that uses TransUnion, the Capital One\u00ae VentureOne\u00ae Rewards Credit Card is worth considering. <\/p>\n\n\n With the Discover it\u00ae Cash Back Card<\/a>, you earn 5% cash back every quarter on all purchases from grocery stores, restaurants, and gas stations, plus a 1% cash back on all other purchases automatically. <\/p>\n\n\n\n At the end of the first year, you’ll also get a dollar-for-dollar cash back match on all the cash back you’ve earned automatically.<\/p>\n\n\n\n The Discover it\u00ae Cash Back Card has a variable APR starting at 16.49% with a 0% intro APR for the first 15 months. <\/p>\n\n\n\n With the Chase Sapphire Reserve\u00ae<\/a>, you can travel worldwide and earn 5x points on flights. You earn 10x points on hotels and car rentals after your first $300 spent annually by purchasing travel through Chase Ultimate Rewards\u00ae. <\/p>\n\n\n\n You’ll also automatically receive up to $300 in statement credits every year. <\/p>\n\n\n\n The Chase Sapphire Reserve\u00ae has a variable APR of 21.49% – 28.49% and the annual fee is $550 per year, with $75 for each additional cardholder. <\/p>\n\n\n\n The Citi\u00ae Double Cash Card<\/a> is a rewards card that earns you 2% cash back on purchases. New account holders can also benefit from a 0% intro APR offer for 18 months on balance transfers. <\/p>\n\n\n\n The card has no annual fee and you get all the usual perks: $0 liability on unauthorized changes, 24-hour fraud protection, and ID theft protection.<\/p>\n\n\n\nWhat You Need to Know:<\/h3>
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What is TransUnion?<\/h2>\n\n\n\n
Credit Cards That Use TransUnion<\/h2>\n\n\n\n
Upgrade Cash Rewards Visa\u00ae<\/strong><\/h3>\n\n\n\n
<\/figure><\/div>\n\n\n\n
Destiny\u00ae Mastercard\u00ae<\/h3>\n\n\n\n
Chase Freedom\u00ae Flex Card<\/h3>\n\n\n
<\/figure><\/div>\n\n\nDiscover it\u00ae Cash Back Card<\/h3>\n\n\n
<\/figure><\/div>\n\n\nChase Sapphire Reserve\u00ae<\/h3>\n\n\n
<\/figure><\/div>\n\n\nCiti\u00ae Double Cash Card<\/h3>\n\n\n
<\/figure><\/div>\n\n\nComparing Credit Cards That Use TransUnion<\/h2>\n\n\n\n