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Best and worst credit card providers

Find out how 29 credit card providers have been rated by their customers for overseas fees, mobile app, customer service and more. 

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 made Which? Recommended Providers (WRPs).

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 75% in our latest customer satisfaction survey,
  • have at least one top 10 card in one of the seven main categories available on the market.
  • have an average or above product analysis score.
  • not have a representative APR of more than 24% on any of its mainstream cards.

 

Who are the best credit card companies for customer satisfaction?

Discover how customers ranked their credit card companies in a range of categories, from customer service to mobile banking. 

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.

Brand Customer Score Customer Service Application Process Online management Overseas charges Mobile App

Recommended provider

undefinedAmerican Express
79%

5 out of 5

5 out of 5

5 out of 5

2 out of 5

4 out of 5

Recommended provider

undefinedNationwide Building Society
79%

5 out of 5

5 out of 5

5 out of 5

4 out of 5

4 out of 5

undefinedFirst Direct 78%

5 out of 5

4 out of 5

5 out of 5

3 out of 5

4 out of 5

undefinedM&S Bank 77%

4 out of 5

5 out of 5

4 out of 5

2 out of 5

3 out of 5

undefinedJohn Lewis/Waitrose Partnership 76%

4 out of 5

4 out of 5

3 out of 5

1 out of 5

2 out of 5

Recommended provider

undefinedTesco Bank
76%

4 out of 5

5 out of 5

4 out of 5

2 out of 5

4 out of 5

undefinedHalifax 75%

4 out of 5

5 out of 5

4 out of 5

4 out of 5

4 out of 5

undefinedSantander 74%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedBritish Airways 74%

4 out of 5

5 out of 5

5 out of 5

2 out of 5

3 out of 5

undefinedSainsbury's Bank 73%

4 out of 5

5 out of 5

4 out of 5

2 out of 5

2 out of 5

undefinedMBNA 73%

4 out of 5

4 out of 5

5 out of 5

2 out of 5

3 out of 5

undefinedBarclaycard 72%

3 out of 5

4 out of 5

4 out of 5

2 out of 5

4 out of 5

undefinedVirgin Money 72%

3 out of 5

5 out of 5

5 out of 5

2 out of 5

3 out of 5

undefinedPost Office Money 71%

3 out of 5

4 out of 5

3 out of 5

4 out of 5

3 out of 5

undefinedNatWest 71%

4 out of 5

4 out of 5

4 out of 5

2 out of 5

4 out of 5

undefinedAmazon 70%

3 out of 5

4 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedBank of Scotland 70%

4 out of 5

4 out of 5

4 out of 5

2 out of 5

4 out of 5

undefinedLloyds Bank 70%

3 out of 5

3 out of 5

4 out of 5

2 out of 5

4 out of 5

undefinedHSBC 68%

4 out of 5

3 out of 5

3 out of 5

2 out of 5

3 out of 5

undefinedCapital One 68%

3 out of 5

5 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedCreation 66% -

5 out of 5

3 out of 5

- -
undefinedAsda Money 65%

3 out of 5

4 out of 5

3 out of 5

2 out of 5

2 out of 5

undefinedVanquis 65%

3 out of 5

4 out of 5

4 out of 5

2 out of 5

4 out of 5

undefined118 118 Money 64%

3 out of 5

3 out of 5

2 out of 5

3 out of 5

3 out of 5

undefinedRoyal Bank of Scotland 64%

3 out of 5

3 out of 5

3 out of 5

2 out of 5

3 out of 5

undefinedDebenhams 63%

3 out of 5

4 out of 5

3 out of 5

2 out of 5

3 out of 5

undefinedThe Co-operative Bank 61%

3 out of 5

3 out of 5

2 out of 5

2 out of 5

-
undefinedAqua 60%

3 out of 5

3 out of 5

3 out of 5

2 out of 5

3 out of 5

undefinedTSB 58%

3 out of 5

3 out of 5

2 out of 5

2 out of 5

3 out of 5

Table Notes: The average customer score is 70%. Star ratings out of five show levels of satisfaction with each area. Customer scores are worked out using a combination of overall satisfaction and the 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, it means we have insufficient sample size (less than 30) to calculate a star rating. Sample sizes in brackets: American Express (399), Nationwide (358), First Direct (53), Marks and Spencer Bank (277), John Lewis/ Waitrose (115), Tesco Bank (397), Halifax (400), Santander (320), British Airways (40), Sainsbury’s Bank (175), MBNA (235), Barclays/ Barclaycard (398), Virgin Money (62), Post Office (52), NatWest (278), Amazon (48), Bank of Scotland (70), Lloyds (381), HSBC (134), Capital One (399), Creation (31), Asda Money (94), Vanquis Bank (194), 118 118 Money (34), Royal Bank of Scotland (85), Debenhams (75), Co-operative Bank (Co-op) (57), Aqua (175), TSB (81)

Who are the Which? Recommended Providers?

American Express

American Express received a Customer Score of 79%, thanks to its great online management facilities and customer service, and the clarity of its statement.

The brand offers a range of market-leading cashback and reward credit cards.

The American Express Platinum Cashback Everyday Credit Card, for example, offers 5% cashback on spending up to £2,000 in your first three months and a rate of up to 1% thereafter. The card has no annual fee and has a representative APR of 22.2%.

Nationwide

Nationwide is a consistent top performer in our surveys. It received a Customer Score of 79%, with customers highly rating the building society's customer service and online functionality.

Nationwide's Select credit card offers 12-month 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.

The Nationwide Credit Card offers the same deal - a year of interest-free balance transfers and spending - and is available to any Nationwide customer. However, the representative APR on this card is slightly more expensive, at 17.9%.

Tesco Bank

Tesco Bank achieved a Customer Score of 76% in our most recent survey. Thanks to some cracking table-topping credit cards, remains a Recommended Provider for a second year.

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

26 months 0% on purchases, 3 months 0% on balance transfers with a
2.9% transfer fee.
19.9%
Tesco Bank Clubcard
15 Month Balance Transfer
and Purchase Credit Card
15 months 0% on purchases and balance transfers, with a
0.85% transfer fee. 
19.9%
Tesco Bank 12 month
All Round Credit Card
12 months 0% on purchases and balance transfers, 0% transfer fee. 19.9%
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
28 months 0% on balance transfers and money transfers.
2.69% fee applies. 3 months 0% on purchases.
19.9%
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
20 Month No Balance
Transfer Fee Credit Card
20 months 0% on balance transfers, no fee applies.  19.9%

How we calculate the Which? Customer Score

In May 2019, we surveyed respondents from the general public about their credit card providers. The table above is based on 5,621 responses and shows which of the 29 credit card providers we rated 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.  

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.

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