Credit card companies: Best and worst credit card providers
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:
- Have a customer score of at least 70% in our latest customer satisfaction survey
- Have at least one top-ten card in at least one of our Which? Money Compare tables
- Be signed up to the Lending Code
- Not have a representative APR of more than 20% on any of its mainstream cards
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 company||Keeping you up to date with new deals||Dealing with queries and complaints||Ability to manage online||Customer service||Rewards and cash back||Customer score|
|Nationwide BS ||73%|
|Marks and Spencer Bank||67%|
|Bank of Scotland||59%|
|Royal Bank of Scotland||55%|
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.
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.