Find out how customers have ranked 26 different credit card companies on a variety of criteria, including customer service, mobile apps, fees when using the card abroad, and more.

What are the best credit card providers, and how do I locate them?

The following table presents a comparison of the Customer Scores of 26 different card issuers, including those that have been awarded the  Recommended Providers (WRPs).

In order to qualify as a WRP, a card issuer must first demonstrate that they offer products that live up to the expectations set out by our researchers and also maintain high levels of consumer satisfaction.

In order for a credit card company to qualify as one of our Recommended Providers, the following criteria must be met: the company must have received a Customer Score of at least 70 percent in our most recent survey of customer satisfaction; the company must have at least one card that is ranked among the top 10 in one of the seven primary categories that are currently available on the market; the company must have received an average or higher product analysis score; the company must not have a representative APR that is higher than 24 percent on any of its

Who Among These Providers Comes Highly Recommended?

The American Express Company

The customer service provided by American Express, along with its transparent pricing and excellent online and mobile app administration facilities, contributed to the company’s receiving a score of 80 percent out of a possible 100.

The company has a variety of credit cards that top the industry in cashback and incentive programmes.

For example, the American Express Platinum Reward Everyday Credit Card provides a cashback rate of 5% (up to £100) for the first three months after opening an account, and then a rate of between 0.5 and 1% for the remaining months. The card does not have an annual fee, and the annual percentage rate (APR) is a representative 22.2 percent (variable). Credit is extended on the condition that certain terms and conditions are met.


Customers gave Halifax’s credit card offering excellent marks for a variety of aspects, including its app, customer care, and the ability to manage accounts online, which contributed to the company’s customer score of 76 percent.

Because it does not charge any fees for transactions made outside of the country, the Capital One Clarity credit card is an excellent choice for making purchases while travelling.

Example: assuming borrowing of £1,200 for one year at a purchase rate of 19.95 percent (variable), the cost of borrowing is equal to a representative 19.9 percent annual percentage rate (APR) (variable). Credit is available, but it is contingent on meeting certain terms and conditions.

Tesco Bank

Tesco Bank was given a score of 76 percent based on customer satisfaction, with customers giving the bank excellent marks for its customer care and the ability to manage accounts online.

It provides a wide variety of credit cards that are appropriate for a variety of borrowers. These credit cards include cards with competitive 0% balance transfer, 0% purchase, credit-builder, and low APR rates. In addition, all of these credit cards offer Tesco Clubcard points on spending.

For instance, the Tesco Purchase Credit Card awards Clubcard points for shopping and provides an interest-free period of twenty months on purchases.

A hypothetical loan of £1,200 taken out over the course of one year at a purchase rate of 20.94 percent (variable), resulting in a sample annual percentage rate of 20.9 percent (variable). Credit is available, but it is contingent on meeting certain terms and conditions.


The results of our polls and studies show that Nationwide is almost always in first place. Consumers gave the building society good marks for its customer service and the openness of its fees, which contributed to the society’s achievement of a score of 75% from customers this year.

The company’s Member credit card comes with the option to choose between two different promotional offers.

The Member Balance Transfer Credit Card provides interest-free balance transfers for the first 18 months and a balance transfer fee of 1.5 percent for the first 90 days after opening an account.

You also have the option of taking advantage of the Member All Rounder Offer, which grants you a 0% APR promotion on purchases as well as balance transfers for a period of 15 months (with a fee of 1.5% for the first 90 days).

Both arrangements do not charge an annual fee, do not assess any fees for spending in foreign countries, and come with a representative annual percentage rate (APR) of 19.9 percent.

In the event that you borrowed 1,200 pounds for a period of one year at a purchase rate of 19.9 percent (variable), the annual percentage rate (APR) on your credit cards would amount to a representative 19.9 percent (variable). Credit is available, but it is contingent on meeting certain terms and conditions.

If you want to receive the Member credit card, you need to be a member of Nationwide, which requires you to have a current account, mortgage, or savings account with the building society. If you don’t have one of these accounts, you can’t get the Member credit card.

The flag carrier airline of the United Kingdom

For the second year in a row, British Airways has been selected as a Which? Recommended Provider. It is possible to manage accounts both online and via a mobile app, which contributed to its customer satisfaction rating of 74 percent, as did its straightforward pricing structure and customer care.

The airline provides a variety of reward credit cards to its customers. These cards enable cardholders to accrue Avios, which can then be redeemed for benefits including travel, vacations, experiences, and even wine.

You will receive one Avios for every pound that you spend when you use the British Airways American Express Credit Card, as well as 5,000 additional Avios after spending $1,000 during the first three months of using the card. There is no charge for using the card each year.

Example: If you borrow £1,200 for one year at a purchase rate of 22.2 percent (variable), the card offers a sample annual percentage rate of 22.2 percent (APR) (variable). Credit is available, but it is contingent on meeting certain terms and conditions.

The British Airways American Express Platinum Plus Credit Card is another option. With this card, you may earn 1.5 Avios for every £1 that you spend, as well as 25,000 additional Avios after spending £3,000 in the first three months that you have the card. The card comes with a yearly fee that is equal to £195.

If you borrow £1,200 for one year at a purchase rate of 22.2 percent (variable) and an annual fee of £195, the cost of credit is a sample 74.7 percent APR. This is based on the assumption that you will pay back the loan (variable). Credit is available, but it is contingent on meeting certain terms and conditions.

The formula that we use to determine the Customer Score

We choose which credit card brands to mention in our brand reviews  based on which credit card brands are the most often searched for online.

The results of the online survey of the general public that was carried out in May 2021 and obtained 4,011 responses are the basis for the customer scores. The participants were allowed to provide their responses on a maximum of two credit cards each.

The customer score analysis for this year is based on a total sample size of 5,744 credit card encounters. It includes overall satisfaction in addition to the likelihood that the consumer would suggest the provider to a friend.

The number of stars awarded in each category is determined separately from the customer’s overall score.

These surveys are carried out on an annual basis, and our review pages are kept current accordingly. In order for providers to be included in our customer satisfaction tables, we require a minimum sample size of fifty respondents from each of them.

Note that the material contained in this article is provided solely for educational purposes and does not in any way constitute professional advice. Before making any final decisions on your financial future, you should carefully review the specific terms and conditions that apply to each provider.