Credit cards Credit card customer satisfaction
How do you find the best credit card for customer service? Our exclusive survey shows what users think of their credit card provider.
Our research
Between September 2012 and February 2013 we surveyed 15,207 members of the Which? Connect online community about their credit card providers.
The table below shows which of the 24 credit card providers we were able to rate have the most - and least - satisfied customers.
There's a big difference between the best credit card provider and the worst; the top-rated credit card provider has a customer satisfaction score of 87%, while the worst performer gets only 52%.
| Credit card satisfaction | ||||||
|---|---|---|---|---|---|---|
| Provider | Kept up to date with new deals | Dealing with queries | Online account management | Day to day customer service | Reward Scheme | Customer satisfaction |
| John Lewis/ Waitrose |  | | |  | | 87% |
| First Direct | | | | | n/a | 84% |
| The Co-operative Bank | | | | | | 82% |
| Saga |  | | | | n/a | 82% |
| Smile | | | | | | 79% |
| Post Office |  | | | | n/a | 79% |
| British Airways | | n/a | | | | 78% |
| Marks and Spencer Bank | | | | | | 76% |
| Nationwide BS | | | | | | 75% |
| Capital One | | | | | | 73% |
| Amazon.co.uk | | | | | | 71% |
| American Express (AMEX) | | | | | | 70% |
| Tesco Bank | | | | | | 68% |
| Santander | | | | | | 67% |
| Sainsbury's Bank | | | | | | 65% |
| Priority Club | n/a | n/a | n/a | n/a | n/a | 64% |
| Clydesdale Bank/Yorkshire Bank | | | n/a | | n/a | 64% |
| HSBC | | | | | | 64% |
| Virgin Money | | | | | n/a | 62% |
| NatWest | | | | | | 57% |
| Halifax | | | | | | 56% |
| Barclays/Barclaycard | | | | | | 54% |
| MBNA | | | | | | 54% |
| Bank of Scotland (BoS) | | | | | | 53% |
| Lloyds TSB | | | | | | 52% |
| Royal Bank of Scotland | | | | | n/a | 52% |
| Asda Money | | | | | | 52% |
Table notes
n/a = sample size too small
Average overall customer satisfaction score is 68%
Star ratings out of five show Which? members' levels of satisfaction with the ease of making an application, interest rate, customer service, accuracy of statements, the offers or discounts they get and how well they are kept informed about better deals. Overall customer satisfaction scores are worked out using a combination of overall satisfaction and how likely members are to recommend their lender to a friend. If two or more brands show the same overall score, they are ranked to the next decimal place. Sample sizes are shown below.
Sample sizes: John Lewis/Waitrose the partnership (1,580), First Direct (211), Co-operative Bank (675), Saga (138), Smile (151), Post Office (69), British Airways (34), Marks and Spencer (1,359), Nationwide (1009), Capital One (874), Amazon.co.uk (108), American Express (781), Tesco Bank (1,397), Santander (341), Sainsbury's Bank (245), Priority Club (30), Clydesdale/Yorkshire Bank (42), HSBC (574), Virgin Money (57), NatWest (787), Halifax (495), Barclaycard (1934), MBNA (690), Bank of Scotland (BoS) (104), Lloyds TSB (713), Royal Bank of Scotland (216), Asda Money (64) Total sample size 15,207
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To find the best credit card for your needs, check the Which? Best rate credit cards.