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.
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:
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.
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.
Our customer satisfaction chart
Table ordered by percentage of customers who said they’d recommend the brand to a friend (recommendation score)
|Overall satisfaction||Customers who’d recommend||Lender||Review|
|95%||American Express||American 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%||Barclaycard||Barclaycard has some of the longest balance transfer periods on the market and also offers rewards and everyday cards.||See the range|
|84%||M&S Bank||Like 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%||Lloyds Bank||Lloyds has a wide variety of credit card products, with rewards, cashback and even specialised cards for large purchases.||See the range|
|83%||NatWest||NatWest offers specialised rewards and balance transfer cards, as well as a student credit card.||See the range|
|82%||Halifax||Halifax lets you combine 0% balance transfers and purchases on one card, as well as the low-rate FlexiCard.||See the range|
|80%||Tesco Bank||Tesco 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%||Virgin Money||Virgin 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|
|80%||The Spanish banking giant offers generous cashback benefits and credit cards aimed at those looking to travel abroad.||See the range|
|78%||Sainsbury’s||The 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%||HSBC||One 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%||Aqua||Aqua 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%||Capital One||Capital 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%||MBNA||MBNA 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.