Credit cards Which? Recommended Providers
Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers.
Which? Recommended Providers must:
- They must have a customer satisfaction score that is statistically above average
- WRPs must be signed up to the Lending Code
- WRPs must have at least one top 10 card in one of the sub-sectors (eg cashback or 0% on purchases), or within the reward cards sub-sector
- WRPs must not have a typical APR of more than 20% on any of their mainstream cards
Which? recommended credit card providers  | |||
|---|---|---|---|
| Provider | Which? verdict | Customer scorea | Find out more |
| Average score of all credit card providers rated by Which? Money | 67% | ||
| John Lewis/Waitrose | Top-score for customer satisfaction. Good reward scheme, but for 0% deals and a good APR, look elsewhere. | 89% | John Lewis/Waitrose |
| First Direct | A good balance transfer deal but you'll need a First Direct current account to qualify for its credit card. | 85% | First Direct |
| Saga | No foreign loading fee for use abroad and reasonable APR. A good choice for the over-50s. | 82% |  |
| Co-operative Bank | Popular with members and has a clear ethical stance. Offers a good card for borrowing. | 79% | The Co-operative Bank |
| Marks and Spencers | Excellent 0% deal on new purchases and a popular reward scheme. | 78% | Marks and Spencers |
| British Airways | A choice of two cards, one with an annual fee, both can be used to redeem points for flights with British Airways | 74% | |
| Tesco Bank | Great for 0% deals on purchases, plus you earn Clubcard points. | 72% | |
| Capital One | Competitive low rate card and excellent cashback card. | 71% | |
Table notes
- Customer scores based on a survey of 14,710 Which? Connect online community members carried out between April 2011 and September 2011
Wherever we display a “MORE INFO” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
Warning: Poor customer service
Brands with customer scores that are statistically below average are listed in the Warning table below. Credit cards that offer a good deal but with poor customer service are marked in the Best Rate tables with this 'Warning' symbol.
Warning: Poor customer satisfaction  | |||
|---|---|---|---|
| Provider | Which? verdict | Customer scorea | Find out more |
| ASDA | Offers an average rate for borrowing with a poor deal on its reward scheme. | 49% | ASDA |
| Santander | Good card for use abroad, but scores poorly for everyday use. | 48% | Santander |
Table notes
- Customer scores based on a survey of 14,710 Which? Connect online community members carried out between April 2011 and September 2011
