We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

Best and worst credit card providers

Find out how 26 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 Score for 26 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 70% 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 account online Charges for using your card abroad Ability to manage by mobile app

Recommended provider

undefinedAmerican Express
80%

5 out of 5

5 out of 5

5 out of 5

2 out of 5

5 out of 5

undefinedJohn Lewis/Waitrose 76%

5 out of 5

5 out of 5

5 out of 5

2 out of 5

4 out of 5

Recommended provider

undefinedTesco Bank
76%

5 out of 5

5 out of 5

5 out of 5

2 out of 5

4 out of 5

Recommended provider

undefinedHalifax
76%

4 out of 5

4 out of 5

4 out of 5

4 out of 5

4 out of 5

undefinedFirst Direct 76%

5 out of 5

5 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedM&S Bank 75%

5 out of 5

5 out of 5

4 out of 5

2 out of 5

3 out of 5

Recommended provider

undefinedNationwide
75%

5 out of 5

5 out of 5

5 out of 5

4 out of 5

5 out of 5

Recommended provider

undefinedBritish Airways
74%

5 out of 5

4 out of 5

4 out of 5

1 out of 5

4 out of 5

undefinedSainsbury's Bank 74%

4 out of 5

4 out of 5

4 out of 5

2 out of 5

3 out of 5

undefinedBarclaycard 73%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedThe Co-operative Bank 73%

5 out of 5

4 out of 5

4 out of 5

- -
undefinedNatWest 72%

4 out of 5

4 out of 5

5 out of 5

3 out of 5

5 out of 5

undefinedMBNA 72%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedCapital One 72%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedHSBC 72%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedBank of Scotland 72%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedVirgin Atlantic 71%

4 out of 5

5 out of 5

3 out of 5

1 out of 5

3 out of 5

undefinedAmazon 71%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedSantander 71%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedVanquis 70%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

3 out of 5

undefinedLloyds Bank 70%

4 out of 5

4 out of 5

4 out of 5

2 out of 5

3 out of 5

undefinedPost Office 69% -

4 out of 5

- - -
undefinedVirgin Money 68%

3 out of 5

4 out of 5

4 out of 5

3 out of 5

4 out of 5

undefinedAqua 67%

3 out of 5

4 out of 5

4 out of 5

3 out of 5

5 out of 5

undefinedTSB 64%

4 out of 5

4 out of 5

4 out of 5

-

3 out of 5

undefinedRoyal Bank of Scotland (RBS) 64%

4 out of 5

4 out of 5

4 out of 5

3 out of 5

3 out of 5

 

Table Notes: The average customer score is 73%. 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: (443), John Lewis/Waitrose: (182), Tesco Bank: (389), Halifax: (358),First Direct: (75), M&S Bank: (266), Nationwide: (284), British Airways: (101), Sainsbury's Bank: (256), Barclaycard: (699), Co-operative Bank: (78), NatWest: (239), MBNA: (203), Capital One: (315), HSBC: (204), Bank of Scotland: (74), Virgin Atlantic: (97), Amazon: (267), Santander: (252), Vanquis Bank: (97), Lloyds Bank: (303), Post Office: (62), Virgin Money: (107), Aqua: (88), TSB: (73), Royal Bank of Scotland (RBS): (82)

Who are the Which? Recommended Providers?

Below we present the WRP's for 2021. If you want to find out more about them, or any other brand, check out our individual reviews

American Express

American Express received a customer score of 80%, thanks to its great online and mobile app management facilities, customer service, and its 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 first three months and a rate of 0.5%-1% thereafter. There’s no annual fee and the card has a representative 22.2% APR (variable). Credit is subject to status and terms apply.

Halifax

Halifax received a customer score of 76%, with customers rating its credit card offering highly for its app, customer service, managing accounts online and more. 

Its Clarity credit card is a top pick for spending abroad, as there are no foreign transaction fees to worry about. 

Representative example: based on the assumed borrowing of £1,200 for one year, at a purchase rate of 19.95% (variable), the cost of borrowing is a representative 19.9% APR (variable). Credit available subject to status and terms apply.

Tesco Bank

Tesco Bank received a customer score of 76%, with customers rating it highly for its customer service and ability to manage accounts online. 

It offers a broad selection of credit cards, suitable for a range of borrowers, including competitive 0% balance transfer, 0% purchase, credit-builder, and low APR cards - all of which offer Tesco Clubcard points on spending.

The Tesco Purchase Credit Card, for example, offers 20 months 0% on purchases and Clubcard points on spending. 

Representative example: assumed borrowing of £1,200 for one year, at a purchase rate of 20.94% (variable), representative 20.9% APR (variable). Credit available subject to status and terms apply.

Nationwide

Nationwide is a consistent top performer in our surveys. This year it received a customer score of 75%, with customers highly rating the building society's customer service and transparency of charges.

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 and a 1.5% balance transfer fee in the first 90 days.

Alternatively, there’s the Member All Rounder Offer which can get you 0% on purchases and balance transfers (1.5% fee for the first 90 days) for 15 months.

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

Representative example: assuming you borrowed £1,200 for one year, at a purchase rate of 19.9% (variable), the cards would cost a representative 19.9% APR (variable). Credit available subject to status and terms apply. 

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 Which? Recommended Provider for a second year running. It achieved a customer score of 74% 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 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. The card has no annual fee.

Representative example: assuming you borrow £1,200 for one year, at a purchase rate of 22.2% (variable) the card offers a representative 22.2% APR (variable). Credit available subject to status and terms apply.

Then there is the British Airways American Express Platinum Plus Credit Card which offers 1.5 Avios for every £1 you spend and 25,000 bonus Avios when you spend £3,000 in your first three months with the card. The card comes with an annual fee of £195.

Representative example: assuming you borrow £1,200 for one year, at a purchase rate of 22.2% (variable), with a £195 annual fee, the cost of credit is a representative 74.7% APR (variable). Credit available subject to status and terms apply.

How we calculate the Which? Customer Score

We pick credit cards to feature in Which? brand reviews based on the most popular credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.

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.

×