If you’ve ever had issues with your credit card, you know how important it is to be able to reach out to customer service at any time to resolve it. For this reason, you might want to consider applying for a credit card from a provider with excellent customer service.
Best credit card customer service overall: Discover
Discover is ranked first by the J.D. Power 2019 credit card satisfactory study with five power circles out of five. This may be due to Discover’s advertised 100% US-based customer service and 24/7 availability. These are often the two points cardholders take into account when ranking customer service, and it’s likely the main reason Discover ranks so well with customers.
For more information on Discover credit cards, read our full guide
Best credit card customer service for problem resolution: American Express
American Express ranks second on the J.D. Power 2019 credit card satisfactory study, just slightly behind Discover with five out of five power circles. One of the main highlights of Amex’s customer support highly valued by cardholders was problem resolution for issues such as billing errors, processing problems and fraud.
For more information on American Express credit cards, read our full guide
Best credit card customer service in a regional bank BB&T
BB&T ranks highest on the J.D. Power 2019 credit card satisfactory study under the regional bank section with five out of five power circles. But unlike larger banks that are ranked higher, BB&T customer service isn’t available 24/7.
For more information on BB&T credit cards, read our full guide
How we picked the best card providers
We considered all credit card providers and went through their rankings on the J.D. Power 2019 credit card satisfactory study and through customer reviews online. We took the top card providers that ranked higher based on the study and the praise of customers.
Once you decide on a card provider with the best customer service, ask the following:
- Do you want to build credit? There are a few ways to build credit if you’re just starting out, or if you’ve had financial difficulties in the past. For example, apply for a secured or a student card and eventually build credit and apply for better cards later.
- Do you want to earn rewards? Most credit cards for good credit score or higher offer rewards in the form of cash back or reward points. Depending on your needs, consider where you spend most of your money and apply for a card with accelerated rewards on those categories.
- Do you need to save money on interest? Most cashback credit cards come with a long intro APR period on balance transfers and purchases. If that’s what you need, consider one of these cards.
- Do you travel often? A travel card often has no foreign transaction and lets you earn rewards on travel purchases, which you can redeem toward travel. If you travel internationally, a Visa or a Mastercard may be a better choice.
Discover and American Express rank high on customer satisfaction studies and online reviews every year. If you’re looking for strong credit card support, consider applying for a card with these providers.
But if you think you can find a better credit card regardless of customer service, compare all credit card options until you find the card that fits best with your financial needs.