What Credit Cards Use TransUnion?

If you're looking for credit cards that use TransUnion, you've come to the right place. After extensive research, we've identified the cards that actually pull from TransUnion, and the results might surprise you.

But that's not all: we also uncovered five other credit card providers that consistently use TransUnion for credit checks.

See why these made our list right after this important context.

Numerous credit card issuers rely on TransUnion to assess creditworthiness, but the landscape has changed significantly. Many cards that previously pulled exclusively from TransUnion now use multiple bureaus or have shifted their preferences.

Major credit card companies such as Chase, Citi, and Discover typically pull from Experian, not TransUnion as commonly believed. However, several reliable options still consistently use TransUnion.

Our team dedicated over 20 hours researching actual credit bureau pulls and has reached a verdict on the top six cards that use TransUnion. Check out the list below and see which one best fits your needs.

Barclaycard Arrival Plus World Elite Mastercard

Barclaycard is our top pick because they "almost always pull TransUnion" according to credit industry data. Here's why it stands out:

This card is ideal for those with excellent credit seeking travel rewards and guaranteed TransUnion reporting.

Apple Card

The Apple Card pulls from TransUnion and offers a unique digital-first experience. The card requires a minimum FICO score of 600, though approval odds improve significantly at 660+.

Important Update: Apple Card now reports to all three credit bureaus (TransUnion, Experian, and Equifax), expanding its credit-building benefits.

Target RedCard

Target's credit card "pulls exclusively from TransUnion" making it another reliable choice for TransUnion users. The card typically requires a minimum credit score of 650.

Petal Card

Petal Card uses TransUnion for credit decisions and focuses on helping users build credit history. The card typically requires a minimum credit score of 650-700.

Navy Federal historically pulls TransUnion for credit cards according to member reports. However, membership is restricted to military members, veterans, and their families.

Synchrony Bank Cards

Synchrony "usually pulls TransUnion" for their store-branded credit cards. They offer cards for retailers like Amazon, PayPal, and many department stores.

To make things even easier, we've compiled all the information into a single, easy-to-read table.

If you're looking for a credit card, no matter what credit bureaus it uses, explore the Best Credit Cards of 2026.

We're discussing what credit cards use TransUnion, but do you know how this company actually operates?

TransUnion stands as one of the three principal credit reporting agencies in the United States, sharing the space with Equifax and Experian.

When you apply for a credit card, there's a significant chance that the issuer might request your credit report from TransUnion. According to recent data, 55% of Americans check their credit report at least monthly, and 95% say it's important to monitor their credit report.

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.

Understanding which cards use TransUnion becomes especially important when you have score variations across bureaus. Here's how to strategically manage your credit applications:

Opting for credit cards that report to TransUnion offers several key advantages.

When deciding on the most suitable credit card associated with TransUnion, several factors come into play.

Many people have incorrect assumptions about which cards use TransUnion. Here are the facts:

By carefully evaluating these aspects, you can choose a credit card that not only leverages TransUnion's reporting but also fits well with your financial needs and objectives.

Don't Worry About Minor Score Differences

Consistent Scoring Frameworks: Although your credit scores from various bureaus might differ slightly, they generally align closely. This similarity stems from the fact that credit bureaus employ similar methodologies to analyze your credit history.

Holistic Credit Evaluation: Credit approval processes consider numerous elements beyond just your credit score. These include factors like your income and debt-to-income ratio. As a result, minor variances in your scores from different bureaus typically don't significantly influence lending decisions.

Review Major Credit Score Differences

Indicators of Potential Issues: When there's a considerable discrepancy in your scores from different bureaus, it's a signal to review your credit reports for potential errors or fraudulent activities.

The Value of Consistent Monitoring: Regularly checking your credit reports from Equifax, Experian, and TransUnion is crucial for maintaining financial health and spotting inaccuracies or suspicious activities. You can access free credit monitoring through services like Credit Karma, Experian, and Capital One's CreditWise.