Some credit cards that pull Experian only may include Chase Sapphire Preferred, Citi Premier Card, and Discover it Secured. But don’t bet the farm on it. You can never know for sure which bureau an issuer will use. They don’t tell you, it can change based on things like where you live, and sometimes more than one bureau gets pulled. But you can get an idea of which credit card companies are most likely to pull Experian reports based on the experiences of other people who have applied.
Here are credit cards that might pull Experian only:
For travel rewards – Chase Sapphire Preferred. $95 annual fee waived the first year. 50,000 bonus points for spending $4,000 in the first 3 months. 2 points per $1 spent on travel and dining, 1 point per $1 everywhere else. 25% more value when redeeming points for travel.
For everyday spending – Citi Premier Card . $95 annual fee waived the first year. 50,000 bonus points for spending $4,000 in the first 3 months. 3 points per $1 spent on travel and gas, 2 on dining and entertainment, 1 on everything else.
For bad credit – Wells Fargo Secured. $25 annual fee. No rewards. $300 minimum deposit but $10,000 maximum.
For hotel perks – Starwood Preferred Guest credit card from American Express. $95 annual fee waived the first year. 25,000 points for making a purchase in the first 3 months. 2 points per $1 at participating SPG and Marriott hotels, 1 everywhere else.
According to reports from consumers online, you’ll have better luck getting your Experian report pulled if you apply with Chase, Citi, Wells Fargo or Amex. That said, you won’t ever be guaranteed a certain bureau.
There's no point thinking about this stuff. Every experience is different, and you can't really force them to pick a bureau that you like. Some have tried freezing independent bureaus to try and coerce lenders, but it's a risky move that might get your application shut down.
If you checked up and cleaned all 3 up, then it won't matter what they choose.
It’s impossible to compile a list of cards that use TransUnion only. The credit bureau your report gets pulled from when you apply for a credit card depends on a variety of factors. Some issuers, according to credit blogs and forums, use certain bureaus more than others. But it’s far from a guarantee. Your location and random chance can play a role too. Plus, credit card companies often pull reports from two bureaus, or even all three. So in a sense, all credit cards use TransUnion. That said, applicants who’ve talked about their experiences online give the impression that Barclaycard, U.S. Bank and Wells Fargo credit cards are most likely to pull TransUnion credit reports. … read full answer
Here are some credit cards that may use TransUnion:
For low APR: Barclaycard Ring Mastercard No annual fee, balance transfer fee or foreign transaction fee. 10.24% (V) APR. No rewards.Excellent credit required.
For bad credit: Harley-Davidson Secured (U.S. Bank) No annual fee. $300 minimum deposit, $5,000 maximum. 1 point per $1 spent. Redeem 2,500 points for a $25 Harley-Davidson gift card.
For cash rewards: Wells Fargo Cash Wise Visa No annual fee. 12-month 0% APR on purchases and balance transfers. $200 for spending $1,000 in the first 3 months. Unlimited 1.5% cash back on all purchases, and 1.8% on mobile wallet purchases.
For long 0% APR: Wells Fargo Platinum Visa No annual fee. No rewards. 0% APR on purchases and balance transfers for 15 months.
It’s also worth noting that there are Capital One cards for every type of credit advertised on TransUnion’s website. So if you’re hoping to have only your TransUnion report pulled, that could be a good sign. But you’re never guaranteed a certain credit bureau, and issuers aren’t keen to reveal who they usually pull.
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