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Best and worst credit card providers

Find out how 29 credit card providers have been rated by their customers. 

In this article
How do I find the best credit card companies? Who are the best credit card companies for customer satisfaction? Who are the Which? Recommended Providers?
How we calculate the Which? Customer Score

How do I find the best credit card companies?

The table below shows the Customer Scores for 29 card providers, as well as the ones that 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 become a WRP.

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 the top 10 cards in the market
  • not have a representative APR of more than 20% on any of its mainstream cards.

Who are the best credit card companies 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 the quality of service, as well as costs and benefits.

Credit card company undefined

Keeping you
up to date
with new deals

Dealing
with queries
Ability to
manage online
Customer
service
Rewards
and cash back
undefinedBritish Airways 79%

4 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

Recommended provider

undefinedNationwide Building Society
78%

4 out of 5

5 out of 5

5 out of 5

5 out of 5

4 out of 5

Recommended provider

undefinedJohn Lewis
77%

3 out of 5

4 out of 5

4 out of 5

4 out of 5

5 out of 5

undefinedFirst Direct 76%

3 out of 5

5 out of 5

5 out of 5

5 out of 5

2 out of 5

undefinedAmerican Express 75%

4 out of 5

5 out of 5

4 out of 5

4 out of 5

5 out of 5

undefined Santander 73%

3 out of 5

4 out of 5

5 out of 5

3 out of 5

4 out of 5

Recommended provider

undefinedM&S Bank
72%

3 out of 5

4 out of 5

4 out of 5

4 out of 5

4 out of 5

Recommended provider

undefinedTesco Bank

72%

3 out of 5

4 out of 5

5 out of 5

3 out of 5

4 out of 5

undefinedCreation 70% - -

4 out of 5

-

5 out of 5

undefinedAsda Money 70%

3 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedPost Office 70%

2 out of 5

3 out of 5

4 out of 5

2 out of 5

1 out of 5

undefinedYorkshire Bank 70%

2 out of 5

3 out of 5

3 out of 5

2 out of 5

-
undefinedAmazon.co.uk 69%

3 out of 5

3 out of 5

3 out of 5

2 out of 5

4 out of 5

undefined Sainsbury's Bank 69%

2 out of 5

4 out of 5

3 out of 5

4 out of 5

4 out of 5

undefinedHalifax 69%

3 out of 5

3 out of 5

4 out of 5

3 out of 5

3 out of 5

undefined TSB 69%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedNatWest 67%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedBank of Scotland 67%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedLloyds Bank 67%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedVanquis Bank 66%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedCo-operative Bank 66%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

2 out of 5

undefinedCapital One 65%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

2 out of 5

undefinedMBNA 65%

3 out of 5

3 out of 5

5 out of 5

3 out of 5

3 out of 5

undefinedHSBC 65%

2 out of 5

3 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedBarclaycard 65%

3 out of 5

3 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedVirgin Money 64%

3 out of 5

3 out of 5

-

2 out of 5

4 out of 5

undefinedDebenhams 64%

3 out of 5

3 out of 5

3 out of 5

2 out of 5

4 out of 5

undefinedRoyal Bank of Scotland 63%

2 out of 5

4 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedAqua 63%

2 out of 5

3 out of 5

3 out of 5

2 out of 5

3 out of 5

 

Table Notes: The average customer score is 69%. 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. Sample sizes in brackets: British Airways (38), Nationwide (393), John Lewis/ Waitrose (247), First Direct (116) American Express (Amex) (371), Santander (396), M&S Bank (401), Tesco Bank (395), Creation (38), Asda Money (117), Post Office (102), Yorkshire Bank (39), Amazon.co.uk (47), Sainsbury’s Bank (293), Halifax (397), TSB (148), NatWest (390), Bank of Scotland (119), Lloyds Bank (392), Vanquis Bank (299), Co-operative Bank (136), Capital One (365), MBNA (380), HSBC (135), Barclays/ Barclaycard (396), Virgin Money (61), Debenhams (151), Royal Bank of Scotland (147), Aqua (139).

 

Who are the Which? Recommended Providers?

Nationwide

Nationwide is a consistent top performer in our surveys. It received a Customer Score of 78%, with customers rating the building society's customer service and online functionality highly.

It offers two credit cards:

Nationwide's Select credit card offers 12 months 0% balance transfers and 0% on purchases but is only available to Nationwide current account holders. It has a representative APR of 15.9% and no fee on balance transfers.

Nationwide's Purchase Offer credit card offers the same deal - a year of interest-free balance transfers and spending, as is available to any Nationwide customer. However, the representative APR on this card is slightly more expensive, at 17.9%.

See the latest balance transfer and purchase deals on Which? Money Compare, our financial comparison service.

John Lewis/Waitrose

The heritage brand's Partnership reward credit card is hugely popular in our survey, getting a customer satisfaction score of 77%.

Every time you spend on your Partnership card, you’ll earn points towards John Lewis Partnership vouchers. Every 500 points you earn is worth £5 in vouchers.

Earn 1 point per £1 spent in-store or online at John Lewis and Waitrose. Earn 1 point per £2 spent everywhere else, at over 36m MasterCard outlets worldwide.

You also get 0% interest on balance transfers for 18 months, fixed from account opening (2.9% fee applies) 0% interest on purchases for 9 months, fixed from account opening.

All new customers will receive 1,000 points worth £10 if they spend or transfer £500 in their first 90 days from account opening.

It comes with a representative APR of 18.9%.

See the top reward credit card deals with Which? Money Compare.

M&S Bank

There's a consistent theme amongst our Recommended Providers - three out of four are the financial arms of giant retailers. 

M&S Bank scores 72% for customer satisfaction in our survey, with customers praising the bank's top-notch reward deals. 

It offers two credit cards:

The M&S Bank Shopping Plus credit card offers 25 months 0% on purchases and balance transfers, with a 2.9% balance transfer fee. 

The M&S Bank Rewards Plus credit card is designed for those who love to shop with the retailer. You get 2,000 M&S points worth £20 if you use your card within the first 90 days and double M&S points on all your M&S shopping for the first 12 months.

There's also interest-free spending and balance transfers for six months (with a 2.9% fee).

Both cards have a representative APR of 18.9%.

See the top 0% on purchases, reward and balance transfer credit cards over at Which? Money Compare. 

Tesco Bank

Tesco Bank achieved a Customer Score of 72% in our most recent survey, and with some table-topping credit cards, became a Recommended Provider.

It has a range of credit cards - we've highlighted them, the details and the cost in the table below. 

Credit
card deal
Deal
details
Representative
APR

Tesco Bank
Purchase Card

28 months 0% on purchases, 3 months 0% on balance transfers.
2.9% fee applies.
18.9%
Tesco Bank
Premium Credit Card

Spend £5,000 on your card in Tesco each year to collect 5,000
Tesco Clubcard points. Under 70s and their family get worldwide
travel insurance, provided by Ageas Insurance.

56.5%
Tesco Bank Clubcard
Credit Card for Purchases
20 months 0% on purchases, 3 months 0% on balance transfers
(2.9% fee applies)
24.9%
Tesco Bank Foundation
Clubcard Credit Card
Designed to help you build your credit, this card has no 0% deals.  27.5%
Tesco Bank Clubcard
Credit Card for Balance
Transfers and Money Transfers
36 months 0% on balance transfers and money transfers.
2.7% fee applies. 3 months 0% on purchases.
18.9%
Tesco Bank Clubcard Low
APR Credit Card
A consistently low rate of 5.9% APR on all purchases. 0% on
balance transfers for one month for no fee. 
5.9%
Tesco Bank Clubcard
22 Month No Balance
Transfer Fee Credit Card
22 months 0% on balance transfers, no fee applies.  19.9%

How we calculate the Which? Customer Score

In May 2018, we surveyed respondents from the general public about their credit card providers. The table above is based on 6,741 responses and shows which of the 29 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 have the same score, they are ranked alphabetically. Providers must have a minimum sample size of 30 respondents to be included.