Credit card companies: Best and worst credit card providers

Which? Recommended Provider credit card logo

Our exclusive survey reveals what customers think of their credit card provider. 

The table below shows the customer scores for 32 card providers, as well as which of these have been awarded Which? Recommended Provider (WRP) status. 

Only card providers that combine high levels of customer satisfaction with products that meet the standards of our researchers can receive the WRP icon.

To be a Which? Recommended Provider a credit card company must:

Best and worst providers for customer satisfaction

If you're looking for a credit card, Which? Money Compare lets you search available cards from providers large and small, to help you find the best deal based on quality of service as well as costs and benefits.  

Best and worst credit card providers
Credit card companyKeeping you up to date with new dealsDealing with queries and complaintsAbility to manage onlineCustomer serviceRewards and cash backCustomer score
John Lewis/Waitrose4 stars5 stars4 stars5 stars5 stars81%
Saga

Which? Recommended Provider logo credit cards

3 stars3 stars5 stars4 stars-74%
Nationwide BS

Which? Recommended Provider logo credit cards

4 stars4 stars5 stars4 stars3 stars73%
Virgin Atlantic---5 stars4 stars73%

Post Office

Which? Recommended Provider logo credit cards

3 stars3 stars3 stars3 stars2 stars72%

Virgin Money

Which? Recommended Provider logo credit cards

4 stars3 stars5 stars4 stars3 stars71%
American Express4 stars4 stars4 stars5 stars4 stars70%
Asda Money3 stars3 stars4 stars3 stars4 stars69%
Marks and Spencer Bank3 stars5 stars4 stars4 stars3 stars67%
Tesco Bank4 stars4 stars5 stars4 stars4 stars67%
Yorkshire Bank3 stars3 stars-4 stars-67%
British Airways3 stars4 stars5 stars5 stars4 stars66%
First Direct4 stars4 stars5 stars5 stars2 stars66%
Halifax3 stars3 stars5 stars4 stars3 stars66%
Co-operative Bank3 stars4 stars4 stars4 stars2 stars64%
Sainsbury's Bank3 stars3 stars4 stars4 stars3 stars64%
Santander3 stars3 stars5 stars4 stars4 stars64%
Mint2 stars----62%
Amazon.co.uk3 stars3 stars3 stars3 stars4 stars61%
MBNA4 stars3 stars5 stars4 stars3 stars60%
AA4 stars3 stars-3 stars3 stars59%
Bank of Scotland3 stars3 stars4 stars3 stars3 stars59%
HSBC3 stars3 stars4 stars3 stars2 stars59%
Barclaycard3 stars3 stars4 stars3 stars3 stars58%
Lloyds Bank3 stars3 stars5 stars3 stars2 stars58%
TSB3 stars3 stars4 stars3 stars2 stars58%
NatWest3 stars3 stars4 stars3 stars2 stars57%
Capital One2 stars3 stars4 stars3 stars2 stars55%
Royal Bank of Scotland2 stars3 stars4 stars3 stars2 stars55%
Aqua2 stars2 stars4 stars2 stars2 stars53%
Debenhams3 stars3 stars3 stars2 stars3 stars51%
Vanquis Bank3 stars2 stars4 stars3 stars1 stars46%

Table Notes:
The average customer score is 63%. Star ratings out of five show levels of satisfaction with each area. Customer scores are worked out using a combination of overall satisfaction and likelihood of recommending the provider to a friend. If two or more brands show the same overall score, they are ranked alphabetically. Providers must receive a minimum sample size of 30 for inclusion in the table. Where a '-' is shown we have insufficient sample size (less than 30) to calculate a star rating.

How we calculate the customer score

In April 2016 we surveyed respondents from the general public about their credit card providers. The table above is based on 5,191 responses and shows which of the 32 credit card providers we were able to rate have the most - and least - satisfied customers.

The customer score is based on a combination of overall satisfaction and the likelihood of recommending the provider to a friend. If two or more providers show the same score they are ranked alphabetically. Providers must receive a minimum sample size of 30 to be included.   

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Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.