Best Credit Cards that Pull Equifax

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Credit reports maintain a record of a person’s credit history, including identifying personal information. When applying for any credit, the credit card or loan company can check your credit with Equifax, Experian, or TransUnion. Credit reports also list existing credit information, including credit card accounts, mortgages, car loans, and student loans.

What is Equifax’s Credit Score Used For?

The credit score on Equifax is used to help provide consumers about their credit position and, if needed, shows consumers which areas they need to improve. Additionally, credit card companies and lending agencies may use Equifax credit scores to determine creditworthiness.

Though companies look at credit scores, that is not the only thing they look for. Companies may also look at the types of accounts, credit usage, and if there are any adverse reports, such as bankruptcies and collections.

Is Equifax a Reliable Credit Score?

Credit scores are based on various information reported to the credit bureau, including credit age, usage, and types. Therefore, the accuracy of any credit score depends significantly on the completeness and correctness of the information reported to the agency. Nevertheless, Equifax is a reliable source for credit scores and uses the same credit models as the other credit bureaus.

What’s a Good Equifax Score?

Equifax credit scores range between 280 and 850, while the FICO score and VantageScore typically range between 300 and 850. A good Equifax credit score is anything higher than 660. Equifax credit score ranges include:

• Excellent: 760-850
• Very Good: 725-759
• Good: 660-724
• Fair: 560-659
• Poor: 280-559

Why is My Equifax Credit Score Higher Than TransUnion and Experian?

There are many reasons a person’s credit score may vary among the three credit bureaus. The most common cause is that, since not all companies report the same information to all three credit bureaus, scores can vary from one bureau to another. For example, it is possible that a credit card company reports a late payment to TransUnion and not to Equifax or Experian, which could result in a credit score on Equifax being higher than the other 2 credit reporting agencies.

Which Banks Use Equifax?

Banks often use the three credit bureaus when issuing credit to consumers. Banks that commonly pull Equifax credit reports may include:

• Capital One
• Citibank
• Citizens
• Discover
• HSBC
• Key Bank
• Wells Fargo

See Related: Best Credit Cards That Pull Experian Only

The Best Credit Cards that Pull from Equifax

Though it is not possible to find a complete list of credit card companies that only pull from Equifax, some companies are more likely to use Equifax credit reports over other credit reporting agencies. Some of the best credit cards that typically pull credit reports from Equifax include:

Citi® Double Cash Card

The Citi® Double Cash Card is one of the best cards to offer rewards for consumers who make many credit card purchases. Cardholders can earn 2% cashback by earning 1% cash back at the time of the purchase and another 1% when they pay. Thank You Points can be earned every billing cycle at one point per $1 spent on qualifying purchases and other additional Thank You Point bonuses throughout the year.

The Citi® Double Cash Card provides new cardholders a 0% introductory APR on balance transfers during the first 18 months. After that, the variable APR is between 17.74% and 27.74%, based on creditworthiness.

Citi Custom Cash℠ Card

The Citi Custom Cash℠ Card is a no-fuss, high cash-back earning credit card perfect for people looking to earn fabulous rewards for everyday spending. Cardholders may earn up to 5% cash back (up to a $500 spending cap, then 1%) in their top spending category every billing cycle. All other qualifying purchases can earn unlimited 1% cash back.

There is no annual fee, and this credit card offers a 0% introductory APR on balance transfers and qualifying purchases made within the first 15 months. After that, the APR is variable between 17.74% and 27.74%.

Discover it® Cash Back

The Discover it® Cash Back is a high-rewards credit card with a 0% APR offer and rotating bonus earning categories. The Discover it® Cash Back has no annual fee, and the introductory APR is only available on qualifying purchases and balance transfers during the first 15 months. The variable APR is between 14.24% and 25.24% after the initial period expires.

The Discover it® Cash Back offers an Unlimited Cashback Match introductory offer, which automatically matches all cash back earned during the first year. Enrollment activation is required, and spending caps may apply.

Discover it® Balance Transfer

The Discover it® Balance Transfer is perfect for consumers looking to reduce their debt. The card offers a lengthy introductory 0% interest period of 18 months of balance transfers and for the first six months on purchases. After that, the card’s variable APR is between 14.24% and 25.24%. Additionally, Discover it® Balance Transfer has no annual fee.

The Discover it® Balance Transfer offers an Unlimited Cashback Match introductory offer, automatically matching cash back earned during the first 12 months. Enrollment activation is required, and spending caps may apply.

Discover it® Miles

The Discover it® Miles offers travelers 1.5 miles per $1 spent, which can be redeemed for travel or, if desired, converted into cash back dollars at a rate of one penny per mile earned. The introductory APR is available for the first 15 months on balance transfers and purchases, and after that, the variable APR is between 14.24% and 25.24%. In addition, the Discover it® Miles has no annual fees.

The Discover it® Miles offers an Unlimited Cashback Match introductory offer, automatically matching all cashback earnings during the first 12 months. Enrollment activation is required, and spending caps may apply.

Chase Freedom Unlimited®

New credit card customers with Chase Freedom Unlimited® receive a lucrative bonus of 1.5% additional cash back on all purchases up to $20,000 spent in the first year. Other cash-back bonuses vary based on category and annual spending limits.

New cardholders receive 0% introductory APR for the first 15 months on all purchases and balance transfers, and then the variable APR is between 18.74% and 27.49%. In addition, Chase Freedom Unlimited® does not have an annual fee.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is a first-class premium credit card for travelers wanting to earn bonus points for traveling and dining-related spending. Up to 60,000 bonus points can be earned when they spend $4,000 during the first three months and 5x points on air travel, and 10x points on hotels and car rentals after they earn and spend their $300 Annual Travel Credit.

The Chase Sapphire Reserve® has a $550 annual fee with a variable APR between 20.74% and 27.74%. There are no introductory APR offers for this card.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express credit card offers consumers the opportunity to earn 6% cash back at U.S. supermarkets, up to $6,000 per year, then 1%. The 6% cash back bonus is also available on select U.S. streaming services, and a 3% cash back is available at U.S. gas stations and eligible transit purchases. Terms Apply

The Blue Cash Preferred® Card from American Express has a $95 annual fee but does offer 0% introductory APR on balance qualifying transfers and purchases during the first 12 months. After the initial period ends, the variable APR is between 16.99% and 27.99%. See Rates & Fees

Business Credit Cards that Pull Equifax

Some common business credit cards that perhaps pull Equifax credit reports include:

Truist Business Cash Rewards

World of Hyatt Business Credit Card

World of Hyatt Business Card offers a great introductory bonus of 60,000 bonus points when spending $5,000 on purchases in your first 3 months from account opening. The card has a $199 annual fee and a variable APR of 19.74% – 26.74%.

Rewards:

• A total of 9 bonus points per dollar spent at Hyatt (4 Points per dollar when using the card at Hyatt hotels, and 5 Base Points per dollar from Hyatt as a World of Hyatt member)
• 2 Bonus Points each dollar spent in your 3 top spending categories quarterly through 12/31/23, then your top two categories quarterly.
• 2 Bonus Points each dollar spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.

Retail Store Credit Cards that Pull from Equifax

Though any department/retail store can pull a credit report from Equifax when applying for a credit card, the two most common stores that use Equifax include West Elm and Conn’s Home Plus.

West Elm Key Rewards Visa Card

Conn’s HomePlus HOME Credit Card

The above-listed credit cards are the best options that will likely pull data from Equifax; however, there is no method to predict the accuracy or certainty that these lenders and credit card issuers will only (and/or always) pull from Equifax.

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