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Best and worst credit card providers

Find out how 30 credit card providers have been rated by their customers for overseas fees, mobile app, customer service and more.

In this article
Coronavirus (COVID-19) credit card update 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

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) says credit card firms must offer payment help to support borrowers struggling financially because of the coronavirus outbreak.

Some credit card firms are also offering to increase limits as well as waive charges in a bid to help ease the financial hardship the pandemic has caused.

Keep up to date with the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

How do I find the best credit card companies?

The table below shows the Customer Score for 30 card providers, as well as the ones that have been named 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 Ability to manage online Charges for using your credit card abroad Ability to manage by mobile app
undefinedJohn Lewis/Waitrose Partnership 83%

5 out of 5

5 out of 5

5 out of 5

1 out of 5

5 out of 5

Recommended provider

undefinedAmerican Express

79%

5 out of 5

4 out of 5

5 out of 5

2 out of 5

5 out of 5

Recommended provider

undefinedNationwide Building Society

78%

5 out of 5

4 out of 5

5 out of 5

5 out of 5

5 out of 5

undefinedM&S Bank 78%

5 out of 5

4 out of 5

5 out of 5

1 out of 5

4 out of 5

Recommended provider

undefinedBritish Airways

78%

5 out of 5

4 out of 5

5 out of 5

2 out of 5

5 out of 5

undefinedTesco Bank 76%

5 out of 5

4 out of 5

5 out of 5

3 out of 5

4 out of 5

undefined

Virgin Atlantic
75%

5 out of 5

5 out of 5

5 out of 5

3 out of 5

5 out of 5

undefinedHalifax 75%

4 out of 5

4 out of 5

5 out of 5

4 out of 5

4 out of 5

undefinedPost Office 74%

4 out of 5

4 out of 5

4 out of 5

5 out of 5

2 out of 5

undefinedFirst Direct 74%

5 out of 5

4 out of 5

5 out of 5

2 out of 5

4 out of 5

undefinedVirgin Money 74%

4 out of 5

4 out of 5

5 out of 5

3 out of 5

5 out of 5

undefinedSainsbury's Bank 74%

4 out of 5

4 out of 5

4 out of 5

1 out of 5

2 out of 5

undefined

Santander

73%

5 out of 5

4 out of 5

5 out of 5

4 out of 5

4 out of 5

undefined

The Co-operative Bank
73%

4 out of 5

4 out of 5

5 out of 5

2 out of 5

3 out of 5

undefinedBarclaycard 72%

4 out of 5

4 out of 5

5 out of 5

3 out of 5

5 out of 5

undefinedASDA Money 72%

3 out of 5

4 out of 5

5 out of 5

2 out of 5

2 out of 5

undefinedMBNA 71%

4 out of 5

4 out of 5

5 out of 5

3 out of 5

4 out of 5

undefinedLloyds Bank 71%

4 out of 5

4 out of 5

5 out of 5

2 out of 5

4 out of 5

undefinedNatWest 70%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedBank of Scotland 70%

3 out of 5

3 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedHSBC 69%

4 out of 5

3 out of 5

4 out of 5

2 out of 5

4 out of 5

undefinedCapital One 69%

3 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedDebenhams 67%

3 out of 5

4 out of 5

5 out of 5

3 out of 5

4 out of 5

undefinedCreation 67%

3 out of 5

4 out of 5

4 out of 5

1 out of 5

2 out of 5

undefinedAmazon 66%

3 out of 5

3 out of 5

3 out of 5

3 out of 5

3 out of 5

undefinedVanquis Bank 66%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefined

Royal Bank of Scotland (RBS)

65%

3 out of 5

4 out of 5

5 out of 5

3 out of 5

4 out of 5

undefinedMetro Bank 65%

3 out of 5

3 out of 5

3 out of 5

3 out of 5

3 out of 5

undefinedAqua 63%

3 out of 5

3 out of 5

3 out of 5

3 out of 5

4 out of 5

undefinedTSB 63%

3 out of 5

3 out of 5

4 out of 5

3 out of 5

4 out of 5

 

Table Notes: The average customer score is 72%. 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: John Lewis/Waitrose (155), American Express (Amex) (422), Nationwide: (309), Marks and Spencer Bank (267), British Airways (117), Tesco Bank (436), Virgin Atlantic (86), Halifax (414), Post Office (58), First Direct (64), Virgin Money (129), Sainsbury's Bank (222), Santander (290), Co-operative Bank (Co-op) (131), Barclays/Barclaycard (730), Asda Money (142), MBNA (241), Lloyds Bank (341), NatWest (274), Bank of Scotland (BoS) (91), HSBC (291), Capital One (334), Debenhams (99), Creation (71), Amazon (220), Vanquis Bank (131), Royal Bank of Scotland (RBS) (98), Metro Bank (33), Aqua (148), TSB (67).

Who are the Which? Recommended Providers?

American Express

American Express received a Customer Score of 79%, thanks to its great online and mobile app management facilities, customer service and the transparency of charges.

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 (up to £100) in your three months and a rate of 0.5%-1% thereafter. There’s no annual fee and the card has a representative APR of 22.2%.

Nationwide

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

Its Member credit card comes with the choice of two introductory offers.

The Member Balance Transfer Credit Card offers 0% on balance transfers for 18 months (1.5% balance transfer fee).

Alternatively, there’s the Member All Rounder Offer which can get you 0% on purchases and balance transfers (1.5% fee) for 15 months.

Both deals have no annual fee, offer fee-free spending abroad and come with a representative APR of 19.9%.

To get the Member credit card you need to be a member of Nationwide, which means you should have a current account, mortgage or savings account with the building society.

British Airways

British Airways is a new Which? Recommended Provider for 2020. It achieved a Customer Score of 78% thanks to its clear charges, customer service and ability to manage accounts online and via the mobile app.

The airline offers a range of reward credit cards that allow cardholders to collect Avios, which can be exchanged for perks such as flights, holidays, experiences and wine.

The British Airways American Express Credit Card, for example, will reward you with one Avios for every £1 you spend and 5,000 bonus Avios when you spend £1,000 in your first three months with the card. The card has no annual fee and has a representative APR of 22.2%.

How we calculate the Which? Customer Score

In May 2020, we surveyed the general public about their credit card providers. The table above is based on 6,537 responses and shows which of the 30 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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