Finder Credit Cards Customer Satisfaction Awards 2021

Find out which UK card providers offer the best service according to their customers.

Welcome to the Finder Customer Satisfaction Awards 2021

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 2021:

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Credit Card Customer Satisfaction Winner:

American Express

For the second year running, American Express is our Customer Satisfaction Award winner, with back-to-back 5-star ratings, and a best-in-class recommendation score. 95% of American Express customers would recommend the provider to a friend, making it the clear winner for 2021.

American Express was founded in 1850, American Express currently has more than 114 million cards in circulation and accounts for almost a quarter 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:


Barclaycard is this year’s runner up, matching Amex’s perfect 5-star rating, and boasting an impressive recommendation score. 88% of Barclaycard customers would recommend the company to a friend, comfortably above the rest of the competition.

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 league table 2021

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

Overall satisfactionCustomers who’d recommendLenderReview


95%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


88%Picture not describedBarclaycardBarclaycardBarclaycard has some of the longest balance transfer periods on the market and also offers rewards and everyday cards.See the range


84%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


83%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


83%Picture not describedNatWestNatWestNatWest offers specialised rewards and balance transfer cards, as well as a student credit card.See the range


82%HalifaxHalifax lets you combine 0% balance transfers and purchases on one card, as well as the low-rate FlexiCard.See the range


80%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


80%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




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


78%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


78%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


78%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


77%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


71%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

Customer satisfaction ratings methodology

In December 2020, we ran a customer satisfaction survey on credit cards. 1,861 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.

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

The customer satisfaction score (“You say”) is based on a survey of 1,861 customers carried out in December 2020.

Learn the details of our methodology and scoring.


Written by

Tom Stelzer

Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney. See full profile

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