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12 cards ranked

Best credit card to use at TransUnion.

Online Shopping

TransUnion is one of the three major U.S. credit bureaus, and its consumer-facing subscription products offer credit monitoring, credit score tracking, and identity theft protection billed on a recurring monthly basis. It has no co-brand credit card, and using it does not affect your credit score or the odds of approval for any specific card. Since the charge is a recurring subscription rather than a retail purchase, a flat-rate cashback card or a card with a broad online shopping bonus is the most reliable way to earn rewards on the monthly fee.

Picks without a tag earn at TransUnion both in-store and online. Watch for theOnline onlytag — those bonuses only apply on transunion.com.

  1. #1
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  2. #2
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  3. #3
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  4. #4
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  5. #5
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  6. #6
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  7. #7
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  8. #8
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  9. #9
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  10. #10
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  11. #11
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  12. #12
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated July 9, 2026

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