Find out how 26 credit card providers have been rated by their customers for overseas fees, mobile app, customer service and more.

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 our 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 Our Recommended Providers?

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 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.