Are you on the hunt for a credit card that uses Equifax for approval? If so, you're in luck! In this comprehensive guide, we take you through a detailed rundown of the best credit cards that check your credit score through Equifax. So, buckle up, and let's get started on finding that perfect card for you!
Credit Cards That Use Equifax For Approval Table of Contents
Why Equifax?
Equifax is one of the three primary credit bureaus in the United States, along with Experian and TransUnion. When applying for a credit card, the issuer may check your credit report from one or more of these bureaus. While some credit card issuers may preferentially use a specific credit bureau, others may use multiple bureaus. In this article, we focus on credit cards that use Equifax for their approval process.
Best Credit Cards That Use Equifax for Approval
- Chase Freedom Unlimited - The Chase Freedom Unlimited offers unlimited 1.5% cashback on all purchases and a 0% introductory APR for the first 15 months, making it an excellent choice for everyday spending, balance transfers, and more.
- Discover it Cash Back - With a 5% cashback on rotating categories, the Discover it Cash Back card is an excellent choice for those looking to maximize rewards. It also rewards new cardholders with an unlimited dollar-for-dollar match of all the cashback earned during the first year.
- Capital One Quicksilver Cash Rewards - The Capital One Quicksilver Cash Rewards offers unlimited 1.5% cashback on every purchase, a $200 cash bonus for spending $500 within the first three months, and a 0% intro APR for 15 months.
- Bank of America Cash Rewards - With 3% cashback in the category of your choice, 2% back at grocery stores and wholesale clubs, and 1% back for all other purchases, the Bank of America Cash Rewards card is ideal for customizing rewards to match your spending habits. Plus, it offers a $200 cash bonus after spending $1,000 within the first 90 days.
Credit Cards That Use Equifax For Approval Example:
Let’s take a look at a realistic example of someone searching for a credit card that uses Equifax for approval. Meet Sarah, a recent college graduate who wants to apply for her first credit card. She has a good credit score of 700 through Equifax but is unsure of her scores with Experian and TransUnion.
After reading this guide, Sarah decides to apply for the Chase Freedom Unlimited credit card. She values the 1.5% cashback on all purchases and the 0% intro APR for 15 months. Since Chase tends to use Equifax for their credit card approvals, Sarah confidently submits her application and gets approved!
Now that you're well-versed in the world of credit cards that use Equifax for approval, it's time to start shopping around for your perfect match! Be sure to explore your options, review the terms and conditions, and ensure you understand the vital details of the card you're interested in. Good luck, and happy credit card hunting!
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