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Finder Credit Cards Customer Satisfaction Awards 2020

Which credit card providers are best for service? Here's what their customers say.

Welcome to the Finder Customer Satisfaction Awards 2020

When it comes to picking a credit card, it’s important you get the opinion of the people who matter most: the customers. Our awards are designed to find the credit card providers that really care about their customers, as chosen by you.

The winners

We’ve selected our winners based on two factors: overall satisfaction score (star rating) and recommendation score (the likelihood a customer would recommend the credit card provider to a friend). You can read more on our methodology below.

Here are the winners for 2020:

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Credit Card Customer Satisfaction Winner:

American Express

American Express is our 2020 winner, edging out the competition in a photo-finish thanks to a 5-star rating and a chart-topping recommendation score: 85% of Amex customers would recommend the brand to a friend. Less than 0.6% separated the top three providers, but it was American Express that came out ahead.

Founded in 1850, American Express currently has over 114 million cards in force worldwide and accounts for 22% of the world’s credit card transactions by US dollar volume.

Compare our reviews of American Express credit cards

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Credit Card Customer Satisfaction Highly Commended:


Santander is a deserving runner-up, with a 5-star satisfaction rating and a great “would recommend” score. Like Amex, 85% of Santander customers were happy to recommend it to a friend.

A Spanish banking giant, Santander is the 16th-largest banking institution in the world and offers a range of balance transfer, everyday and reward credit cards.

Compare our reviews of Santander credit cards

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Personal Loan Customer Satisfaction Highly Commended:


The other recipient of our highly commended award is Barclaycard; the provider was also one of only three companies to achieve a 5-star rating overall. Less than half a percentage point separated Barclaycard from American Express and Santander in terms of recommendation score, with 85% of Barclaycard customers willing to recommend it to a friend.

Launched in 1966, Barclaycard is the credit card brand of Barclays Bank. In 1967, it became the first provider to offer a credit card in the UK.

Compare our reviews of Barclaycard credit cards

Our customer satisfaction chart

Table ordered by percentage of customers who said they’d recommend the brand to a friend (recommendation score)

Overall satisfactionCustomers who’d recommendLenderReview


85%American Express logoAmerican ExpressAmerican ExpressAmerican Express offers a range of credit cards to cater to all types of customers, as well as the exclusive Experiences rewards program.See the range


85%Picture not describedBarclaycardBarclaycardBarclaycard has some of the longest balance transfer periods on the market and also offers rewards and everyday cards.See the range




The Spanish banking giant offers generous cashback benefits and credit cards aimed at those looking to travel abroad.See the range


84%Picture not describedtesco bank pet insuranceTesco BankTesco has a wide range of credit card products and lets you earn Tesco Clubcard points on every transaction you make using your card.See the range


79%Picture not describedVirgin MoneyVirgin Money provides a number of bonus credit card programs, such as Virgin Red, and offers discounts across the entire Virgin Group. With a Virgin Atlantic credit card, you can also collect air miles to spend on flights and upgrades.See the range


77%HSBCOne of the world’s largest banks, HSBC has an extensive credit card product range, with 24/7 customer service and global reward systems.See the range


77%Picture not describedSainsbury’sThe UK’s second-biggest supermarket brand, Sainsbury’s lets you earn Nectar points on all credit card transactions, with bonus points for new customers.See the range


76%Picture not describedNatWestNatWestNatWest offers specialised rewards and balance transfer cards, as well as a student credit card.See the range


69%HalifaxHalifax lets you combine 0% balance transfers and purchases on one card, as well as the low-rate FlexiCard.See the range


69%Picture not describedMBNAMBNA is part of the Lloyds Group and offers a range of credit cards with extended 0% balance transfer and purchase periods.See the range


68%Picture not describedm&s bank home insuranceM&S BankLike other credit card retailers, M&S lets you earn M&S on every credit card transaction, and preferential foreign exchange rates.See the range


67%Picture not describedCapital-One-logoCapital OneCapital One offers credit-builder cards for those looking to improve their credit score, and also lets you check your credit history without affecting your score.See the range


66%Picture not describedLloyds BankLloyds has a wide variety of credit card products, with rewards, cashback and even specialised cards for large purchases.See the range


64%Picture not describedaqua logoAquaAqua credit cards are specifically designed for those looking to build their credit score. Unlike other credit-builder cards, Aqua also lets customers earn rewards for using their card.See the range

Customer satisfaction ratings methodology

In December 2019, we ran a customer satisfaction survey on credit cards. 750 people responded and gave us their opinion on their current credit card provider.

The survey asked respondents how satisfied they are with their credit card (using a 1-5 rating) and whether they would recommend the brand to a friend. We converted the responses into star ratings and produced a shortlist of the top-performing companies based on customer satisfaction. When there was a draw, we used the recommendation score (that is, the percentage of customers who said they would recommend the brand to a friend) as a tie-breaker.

You can get a full breakdown of our ratings methodology for credit cards here.

Banking ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

The customer satisfaction score (“You say”) is based on a survey of 750 customers carried out in December 2019.

Learn the details of our methodology and scoring.

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