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 our Which? Money Compare tables
- be signed up to the Lending Code
- 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 quality of service, as well as costs and benefits.
|Best and worst credit card providers|
|Credit card company||Keeping you up to date with new deals||Dealing with queries||Ability to manage online||Customer service||Rewards and cash back||Customer score|
|Nationwide BS |
|Marks and Spencer Bank||69%|
|Bank of Scotland||-||67%|
|Royal Bank of Scotland||-||64%|
The average customer score is 67%. 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. Sample 7,043 - John Lewis (202), Nationwide (452), First Direct (71), American Express (330), Virgin Money (80), AA (52), Co-op (119), M&S (452), Tesco (474), Saga (54), British Airways (44), Halifax (465), Bank of Scotland (92), Barclaycard (515), Santander (467), Lloyds (387), Sainsbury's Bank (255), TSB (111), Asda (135), Post Office (95), MBNA (377), Amazon (56), Capital One (366), NatWest (336), RBS (111), Vanquis Bank (230), HSBC (302), Debenhams (138), Aqua (145). Where a '-' is shown we have insufficient sample size (less than 30) to calculate a star rating.
How we calculate the customer score
In May 2017, we surveyed respondents from the general public about their credit card providers. The table above is based on 7,043 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.