Credit Cards that Use TransUnion Pre Approval 2023:
What is TransUnion Credit Score Used For?
Credit Cards that Pull TransUnion: A TransUnion credit score is used to help lenders decide how risky it is to lend money to a potential borrower. The score is based on a variety of factors, including the person’s payment history, the amount of debt they owe, and the number of credit accounts they have. Lenders will use this score to determine what interest rate to charge a potential borrower.
A credit score is a number that lenders use to help them decide whether to give you a loan and how much interest to charge you. The TransUnion credit score is one of the most widely used scores, and it ranges from 300 to 850. The higher your score, the better your credit rating will be. A good TransUnion credit score means that you’re more likely to be approved for a loan and to get a lower interest rate.
A bad TransUnion credit score could mean that you’ll have to pay a higher interest rate or may not be approved for a loan at all. Many factors go into your TransUnion credit score, including your payment history, credit utilization, and length of credit history.
You can check your TransUnion credit score for free on their website. If you see anything on your report that you don’t understand, you can also contact their customer service department for help. Understanding your TransUnion credit score is important so that you can make sure that you have the best chance of getting approved for a loan with a low-interest rate.
Is TransUnion a Reliable Credit Score?
There is no definitive answer to this question. Different people may have different opinions, depending on their personal experiences. However, TransUnion is one of the three main credit bureaus in the United States, and its credit scores are used by many lenders. Therefore, it is generally considered to be a reliable credit score.
Which Banks Pull TransUnion Only?
There is no definitive answer to this question. Different people may have different opinions, depending on their personal experiences. However, TransUnion is one of the three main credit bureaus in the United States, and its credit scores are used by many lenders. Therefore, it is generally considered to be a reliable credit score.
Several banks use Transunion when they check an applicant’s credit history for a credit card or loan. Even though a company may only use the services of one credit bureau, this doesn’t mean that they won’t pull reports from either of the other two bureaus. It’s also common for creditors to get reports from more than one credit bureau.
The following banks use Transunion for data:
Avianca
Apple Card – Goldman Sachs Bank
Barclays
Capital One
Synchrony Bank
U.S Bank
What’s a Good TransUnion Score?
A good TransUnion score is anything above 700. This means that you have a good credit rating and are likely to be approved for a loan with a low-interest rate. If your score is below 700, you may want to consider taking steps to improve it. There are several things you can do to boost your TransUnion credit score, including paying your bills on time, using less of your available credit, and maintaining a long credit history.
What Are the Best Business Credit Cards that Pull From TransUnion Only?
There are a few different credit cards that only use TransUnion for their credit decisions. One option is the Wells Fargo Platinum Visa® Card, which offers a 0% APR on purchases and balance transfers for 18 months, as well as no annual fee. Another option is the Citi Simplicity® Card, which also has a 0% intro APR on purchases and balance transfers for 18 months, with no annual fee. You may also want to consider the Chase Slate® Card, which has a 0% APR on purchases and balance transfers for 15 months and does not charge an annual fee. Ultimately, the best credit card for you will depend on your individual financial needs and goals.
However, any of these options could be a good choice if you’re looking for a card that pulls from TransUnion only.
1. Citi Premier® Card
No 1 Credit Cards that Pull TransUnion: The Citi Premier® Card is a credit card that offers a wide range of benefits for users. Earning points is easy with the Citi Premier® Card, and users can redeem their points for a variety of rewards, including travel, merchandise, and gift cards. The Citi Premier® Card also offers a 0% introductory APR on balance transfers and purchases for the first 18 months, making it a great option for those who are looking to save on interest payments. In addition, the Citi Premier® Card comes with no annual fee, making it a great choice for those who are looking for a credit card with no hidden costs.
The Citi Premier® Card allows cardholders to accumulate and use points as they see fit without expiration, which is different from many other credit cards. Consumers earn three points per $1 spent on specific types of purchases such as hotels, airlines, gas stations, supermarkets, and restaurants while earning one point on all other regular purchases. Also during the first three months after opening an account with this card and spending at least 4,000 dollars in total within that time frame; a bonus of up to 80 thousand Thank You Points can be earned.
The client APR for the Citi Premier® Card ranges depending on purchase history but falls between 19.74% and 27.74%, also there is no introductory APR with this card like some others have.. This card
has an annual $95 fee imposed upon all users regardless of their purchase or travel activity levels throughout the year.”
PROS
Bonus categories
Rewards do not expire
CONS
Annual fee
Required good to excellent credit
Rewards:
The Citi Premier® Card is a great choice for anyone looking to earn rewards on their everyday spending. With this card, you’ll earn 3 points per dollar spent on travel and entertainment, 2 points per dollar spent on dining and gas, and 1 point per dollar spent on everything else. Plus, you’ll get a bonus of 50,000 points after you spend $4,000 in the first 3 months. And there’s no annual fee! The Citi Premier® Card is a great way to earn rewards on your everyday spending. So if you’re looking for a card that will help you earn rewards on your everyday spending, the Citi Premier® Card is a great choice.
Benefits:
The Citi Premier® Card is a credit card that offers rewards points for everyday purchases. You can earn points on everything from groceries to gas, and you can redeem your points for travel, gift cards, or cash back. The Citi Premier® Card also comes with a sign-up bonus, no foreign transaction fees, and introductory APR rates. Plus, there are no annual fees. With all of these perks, it’s no wonder the Citi Premier® Card is one of the most popular credit cards on the market.
2. Chase Freedom Flex℠
The Chase Freedom Flex℠ Credit Card is a great option for anyone looking to earn some cash back on their everyday spending. This card offers 3% cash back on up to $20,000 in annual spending at grocery stores and 1% unlimited cash back on everything else. Plus, you’ll get a sign-up bonus of $150 if you spend $500 within the first 3 months. And with no annual fee and 0% APR rates for the first 15 months, it’s easy to see why so many people choose the Chase Freedom Flex℠ Credit Card as their go-to credit card for everyday purchases.
Benefits:
The Chase Freedom Flex℠ Credit Card is one of the best cash-back credit cards on the market. With this card, you’ll be able to earn cash-back rewards on all of your everyday purchases, including groceries and gas. You can also take advantage of a generous sign-up bonus, low introductory APR rates, no annual fees, and more. So if you’re looking for a card that will help you earn cash back on all of your regular spendings, the Chase Freedom Flex℠ Credit Card is worth considering.
PROS
No Annual fee
New cardholder bonus deal
Categories with bonuses
Cash prize
Introductory APR deal
CONS
The rewards structure is complicated
Good to excellent credit required
3. Chase Sapphire Reserve®
The Chase Sapphire Reserve® Credit Card is one of the most popular travel rewards cards on the market. With this card, you’ll earn 3 points per dollar spent on all travel and dining purchases, 1 point per dollar spent on everything else, and a 50,000 point sign-up bonus when you spend $4,000 in the first 3 months. Plus, there are no foreign transaction fees and introductory APR rates of 0% for the first 15 months. If you’re looking for a premium credit card that offers great travel rewards and perks like airport lounge access and travel insurance coverage, look no further than the Chase Sapphire Reserve® Credit Card.
Benefits:
The Chase Sapphire Reserve® Credit Card is one of the most popular travel rewards cards on the market today. With this card, you’ll earn 3 points per dollar spent on all travel and dining purchases, as well as a generous sign-up bonus and no foreign transaction fees. Plus, you can enjoy access to premium travel perks like airport lounge access and travel insurance coverage, making it easy to see why so many people choose the Chase Sapphire Reserve® Credit Card when they want a top-tier credit card that offers great rewards for their regular spending. So if you’re looking for a high-end travel rewards card that makes it easy to get the most out of your everyday purchases, the Chase Sapphire Reserve® Credit
With a high reward rate, this card is perfect for those who want to travel in style. With luxury park access and premium travel protection, you can rest easy knowing that your trip is covered. Plus, with transfer partners and primary rental car coverage, you’ll have everything you need to make the most of your vacation.
PROS
High rewards rate
Luxury park
Premium travel protection
Transfer partners
Primary rental car coverage
CONS
High annual fee
Required excellent credit
Also Read: Guaranteed approval Credit cards with $ 1000 limits
4. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a great choice for people who travel frequently. It offers 2 miles per dollar spent on all purchases, and there is no limit to the number of miles that can be earned. The miles can be redeemed for travel expenses, such as airfare, hotel stays, and car rentals. There is also a sign-up bonus of 50,000 miles after spending $3,000 in the first 3 months. The annual fee is $95, but it is waived for the first year. Overall, the Capital One Venture Rewards Credit Card is a great option for people who want to earn rewards on their everyday spending.
Looking for a flexible travel credit card that offers great rewards and benefits? The Capital One Venture Rewards Credit Card is the perfect option. With this card, you’ll earn 2 miles per dollar spent on all your regular purchases, as well as a generous sign-up bonus of 50,000 miles when you spend $3,000 in the first 3 months. Plus, there are no foreign transaction fees and introductory APR rates of 0% for the first 9 months. Whether you’re travelling for business or pleasure, the Capital One Venture Rewards Credit Card makes it easy to maximize your travel rewards and enjoy a worry-free trip.
Benefits:
The Capital One Venture Rewards Credit Card is one of the top travel credit cards on the market today. With this card, you’ll earn 2 miles per dollar spent on all your regular purchases, as well as a generous sign-up bonus and no foreign transaction fees. Plus, you can enjoy premium benefits like travel insurance coverage and emergency assistance services to help keep your trip running smoothly. All in all, the Capital One Venture Rewards Credit Card is a great option if you’re looking for an easy way to earn miles on all your everyday spending while enjoying top-tier travel perks and benefits.
PROS
Generous rewards rate
No foreign transaction fees
Sign-up bonus
Travel insurance coverage
Emergency assistance services
CONS
High annual fee
Required excellent credit
Complicated rewards program structure
5. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a great choice for people who want to earn cash back on their everyday spending. It offers 1.5% cash back on all purchases, with no limit to the amount of cashback that can be earned. There is also a sign-up bonus of $150 after spending $500 in the first 3 months. The annual fee is $0, making this an enticing option for people who are looking for a simple cash-back credit card.
The Capital One Quicksilver Cash Rewards Credit Card is a great choice for people who want to earn cash back on their everyday spending. With this card, you’ll earn 1.5% cash back on all your regular purchases, as well as a sign-up bonus of $150 after you spend $500 in the first 3 months. Plus, there is no annual fee and your cash-back rewards won’t expire as long as your account is open and in good standing. Whether you’re looking for a new credit card to help you save on your everyday spending or you’re trying to earn some extra cash back for your next vacation, the Capital One Quicksilver Cash Rewards Credit Card is a great option.
Benefits:
The Capital One Quicksilver Cash Rewards Credit Card is a great choice for people who want to earn cash back on their everyday spending. With this card, you’ll earn 1.5% cash back on all your regular purchases, as well as a sign-up bonus of $150 after you spend $500 in the first 3 months. Plus, there is no annual fee and your cash-back rewards won’t expire as long as your account is open and in good standing. Whether you’re looking for a new credit card to help you save on your everyday spending or you’re trying to earn some extra cash back for your next vacation, the Capital One Quicksilver Cash Rewards Credit Card is a great option.
PROS
No annual fee
High rewards rate
Sign-up bonus
Rewards won’t expire as long as your account is open and in good standing
CONS
Earns only 1.5% cash back on all purchases
No special categories for increased cash-back earnings
The $500 minimum spend for the sign-up bonus is higher than some other cards
6. Delta SkyMiles® Gold Business American Express Card
The Delta SkyMiles® Gold Business American Express Card is a great choice for small business owners who frequently fly Delta. With this card, you’ll earn 2 miles per dollar spent on Delta purchases, as well as 1 mile per dollar spent on all other eligible purchases. There is also a sign-up bonus of 35,000 miles after you spend $1,000 in the first 3 months and an annual fee of $0 for the first year, then $99.
The Delta SkyMiles® Gold Business American Express Card is a great choice for small business owners who frequently fly Delta. With this card, you’ll earn 2 miles per dollar spent on Delta purchases, as well as 1 mile per dollar spent on all other eligible purchases. There is also a sign-up bonus of 35,000 miles after you spend $1,000 in the first 3 months and an annual fee of $0 for the first year, then $99.
Benefits:
The Delta SkyMiles® Gold Business American Express Card is a great choice for small business owners who frequently fly Delta. With this card, you’ll earn 2 miles per dollar spent on Delta purchases, as well as 1 mile per dollar spent on all other eligible purchases. There is also a sign-up bonus of 35,000 miles after you spend $1,000 in the first 3 months and an annual fee of $0 for the first year, then $99.
PROS
No annual fee for the first year, then $99
Earn 2 miles per dollar spent on Delta purchases
Sign-up bonus of 35,000 miles after you spend $1,000 in the first 3 months
CONS
$0 introductory annual fee for the first year, then a $99
The annual fee is higher than some other business cards
2 miles per dollar spent on Delta purchases is lower than some other airline cards
Also Read: Top 10 Easy Approval Gas Credit Cards in 2022
7. Credit One Bank® Platinum Rewards Visa with No Annual Fee
The Credit One Bank® Platinum Rewards Visa with No Annual Fee is a great choice for people with average or bad credit who are looking to rebuild their credit. With this card, you’ll earn 1% cash back on all eligible purchases and there is no annual fee. Plus, you can get access to your Experian credit score for free.
The Credit One Bank® Platinum Rewards Visa with No Annual Fee is a great choice for people with average or bad credit who are looking to rebuild their credit. With this card, you’ll earn 1% cash back on all eligible purchases and there is no annual fee. Plus, you can get access to your Experian credit score for free.
Benefits:
The Credit One Bank® Platinum Rewards Visa with No Annual Fee is a great choice for people with average or bad credit who are looking to rebuild their credit. With this card, you’ll earn 1% cash back on all eligible purchases and there is no annual fee. Plus, you can get access to your Experian credit score for free.
PROS
No annual fee
Earn 1% cash back on all eligible purchases
Access to your Experian credit score for free
CONS
1% cash-back rate is lower than some other cards
Only available to people with average or bad credit
The annual fee is higher than some other cards
8. Southwest Rapid Rewards® Plus Credit Card
The Southwest Rapid Rewards® Plus Credit Card is a great choice for people who often fly Southwest. With this card, you’ll earn 2 points per dollar spent on Southwest purchases and 1 point per dollar spent on all other eligible purchases. There is also a sign-up bonus of 40,000 points after you spend $1,000 in the first 3 months. The Southwest Rapid Rewards® Plus Credit Card is a great choice for people who often fly Southwest. With this card, you’ll earn 2 points per dollar spent on Southwest purchases and 1 point per dollar spent on all other eligible purchases. There is also a sign-up bonus of 40,000 points after you spend $1,000 in the first 3 months.
Benefits:
The Southwest Rapid Rewards® Plus Credit Card is a great choice for people who often fly Southwest. With this card, you’ll earn 2 points per dollar spent on Southwest purchases and 1 point per dollar spent on all other eligible purchases. There is also a sign-up bonus of 40,000 points after you spend $1,000 in the first 3 months.
PROS
Earn 2 points per dollar spent on Southwest purchases
Sign-up bonus of 40,000 points after you spend $1,000 in the first 3 months
No foreign transaction fees
CONS
$69 annual fee
2 points per dollar spent on Southwest purchases is lower than some other airline cards
The annual fee is higher than some other card.
9. Wells Fargo Platinum Visa® Card with Zero Liability Protection
The Wells Fargo Platinum Visa® Card with Zero Liability Protection is a great choice for people who want a low-interest rate and no annual fee. With this card, you’ll get a 0% introductory APR on purchases and balance transfers for 18 months, then a variable APR of 16.49%-24.99%. There is also zero liability protection against unauthorized charges and fraud protection.
Benefits:
The Wells Fargo Platinum Visa® Card with Zero Liability Protection is a great choice for people who want a low-interest rate and no annual fee. With this card, you’ll get a 0% introductory APR on purchases and balance transfers for 18 months, then a variable APR of 16.49%-24.99%. There is also zero liability protection against unauthorized charges and fraud protection.
PROS
0% introductory APR on purchases and balance transfers for 18 months
No annual fee
Zero liability protection against unauthorized charges
Fraud protection
CONS
Variable APR of 16.49%-24.99% after the introductory period
The balance transfer fee is 3%
The cash advance fee is 5%
Also Read: Academy Sports Credit Card
10. Citi® Secured Mastercard®
The Citi® Secured Mastercard® is a great choice for people who are looking to rebuild their credit. With this card, you’ll get a $200 credit line after making a $500 security deposit. You’ll also earn 2% cash back on gas and grocery purchases (up to $6,000 per year, then 1%). There is no annual fee for this card.
Benefits:
The Citi® Secured Mastercard® is a great choice for people who are looking to rebuild their credit. With this card, you’ll get a $200 credit line after making a $500 security deposit. You’ll also earn 2% cash back on gas and grocery purchases (up to $6,000 per year, then 1%). There is no annual fee for this card.
PROS
$200 credit line after making a $500 security deposit
Earn 2% cash back on gas and grocery purchases (up to $6,000 per year, then 1%)
No annual fee
CONS
2% cash back on gas and grocery purchases is lower than some other cards
No sign-up bonus
Must have a Citibank checking account to get the highest credit line possible
Conclusion:
There are a lot of great credit cards out there, and it can be difficult to choose the right one for you. However, by considering your spending habits and needs, you can narrow down your choices and find the perfect card for your lifestyle.
