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Credit card companies

Best and worst credit card providers

By Rob Goodman

Article 1 of 17

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Best and worst credit card providers

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

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.

Best and worst providers 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
John Lewis/Waitrose 4 stars 5 stars 4 stars 5 stars 4 stars 80%
Nationwide BS

Which? Recommended Provider logo credit cards

4 stars 4 stars 5 stars 4 stars 4 stars 77%
First Direct 4 stars 4 stars 5 stars 5 stars - 75%
American Express 4 stars 4 stars 4 stars 4 stars 4 stars 72%
Virgin Money 4 stars 3 stars 4 stars 4 stars - 70%

AA

Which? Recommended Provider logo credit cards

3 stars 3 stars 3 stars 4 stars - 70%
Co-operative Bank 3 stars 4 stars 4 stars 4 stars - 69%
Marks and Spencer Bank 5 stars 5 stars 4 stars 4 stars 3 stars 69%
Tesco Bank 3 stars 3 stars 4 stars 4 stars 4 stars 69%
Saga 3 stars - 5 stars 4 stars - 69%
British Airways 3 stars 4 stars 5 stars 5 stars 5 stars 68%
Halifax 3 stars 4 stars 4 stars 4 stars 3 stars 68%
Bank of Scotland 3 stars 4 stars 4 stars 4 stars - 67%
Barclaycard 3 stars 3 stars 4 stars 4 stars 3 stars 66%
Santander 3 stars 4 stars 5 stars 4 stars 3 stars 66%
Lloyds Bank 3 stars 3 stars 5 stars 3 stars 3 stars 66%
Sainsbury's Bank 3 stars 4 stars 3 stars 4 stars 4 stars 66%
TSB 3 stars 3 stars 4 stars 4 stars 4 stars 66%
Asda Money 3 stars 3 stars 4 stars 3 stars 4 stars 65%

Post Office

2 stars 3 stars 3 stars 3 stars - 65%
MBNA 3 stars 3 stars 3 stars 4 stars 3 stars 65%
Amazon.co.uk 3 stars 3 stars 3 stars 4 stars 4 stars 65%
Capital One 3 stars 3 stars 4 stars 4 stars 3 stars 64%
NatWest 3 stars 3 stars 4 stars 4 stars 2 stars 64%
Royal Bank of Scotland 3 stars 3 stars 4 stars 4 stars - 64%
Vanquis Bank 3 stars 3 stars 4 stars 4 stars - 63%
HSBC 3 stars 3 stars 3 stars 4 stars 4 stars 63%
Debenhams 3 stars 3 stars 3 stars 4 stars 4 stars 61%
Aqua 2 stars 3 stars 3 stars 3 stars - 58%
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.  

  • Last updated: June 2017
  • Updated by: Dean Sobers
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