WalletHub, Financial Company
@WalletHub
There are many credit card providers that use Equifax, but you should keep in mind that some will consult all of the credit bureaus in order to determine your creditworthines.

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Sign Up NowJane Parker, WalletHub Credit Card Advisor
@parker16
You won’t be able to find a list of credit cards that use Equifax only because credit card companies: 1) don’t disclose which credit bureaus they pull from; 2) could pull from multiple bureaus for a single application; and 3) don’t always pull from the same bureau for a particular credit card offer. There’s some anecdotal evidence suggesting that a handful of issuers often pull Equifax reports when reviewing credit card applications, including Chase, Citi and Discover. But it’s hard to tell for sure, and you should take these suggestions with a grain of salt.
Here are some of the best credit cards that may use Equifax only:
- Chase Sapphire Reserve: $450 annual fee (excellent credit)
50,000 bonus points for spending $4,000 in the first 3 months. 3 points per $1 spent on travel and dining, 1 on everything else. $300 annual travel credit. - Citi Double Cash: $0 annual fee (good credit)
2% cash back on all purchases, 1% after buying and 1% after paying. 18-month 0% balance transfer offer. Requires good credit. - Discover it: $0 annual fee (good credit)
5% cash back on the first $1,500 spent in quarterly bonus categories, 1% on everything else. First year’s cash back matched on account anniversary. Requires good credit. - HSBC Premier World Mastercard: $95 annual fee, waived the first year (excellent credit)
35,000 bonus points for spending $3,000 in the first 3 months. 2 points per $1 on travel, 1 on everything else. - Wells Fargo Cash Wise Visa: $0 annual fee (good credit)
$200 cash back for spending $1,000 in the first 3 months. 1.5% cash back on all purchases, and 1.8% on mobile wallet purchases. $600 worth of cell phone insurance when you pay your bill with your card.
As you can see, there are some attractive cards out there that may use your Equifax credit report during the approval process. But they won’t do it in all cases. You shouldn’t have to worry too much, though, because if one of your credit reports is good, the others probably are as well. If one is significantly lower than the others, you may want to check for errors.
Olivver McKee, Home Health Aide
@olivverm
WalletHub is correct; most report to all. With that being said, your best bet would be to go to the Equifax website and let them match you with their top promotors. They will have a card for every level of credit worthiness. Just remember; if given the option, always choose secured over prepaid as most prepaid cards do not report and most if not all secured cards will. Hope this helps.
beefsterling, Member
@beefsterling
Chase credit cards use your Equifax credit score.
Dave Turnbull, Member
@turnbull_david
You always have to consider that the score you're seeing through one bureau may not be the same model (calculation method), so even if it looks higher, it's probably the same thing.
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