Finder Credit Cards Customer Satisfaction Awards 2022

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

Welcome to the Finder Credit Cards Customer Satisfaction Awards 2022

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 (if a customer would recommend the credit card provider to a friend). You can read more on our methodology below.

Here are the winners for 2022:

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Credit Card Customer Satisfaction Winner:

American Express

For the third year running, American Express is our Customer Satisfaction Award winner, with back-to-back 5-star ratings, and a best-in-class recommendation score. 90% of American Express customers would recommend the provider to a friend.

American Express was founded in 1850. It 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:

M&S Bank

M&S Bank is this year’s runner up, matching Amex’s 5-star rating, and boasting an impressive recommendation score. 88% of M&S Bank customers would recommend the company to a friend, so it was just pipped to the post by American Express by a mere 2%.

Founded in 1884, M&S Bank provides a range of credit card offers including 0% purchase and 0% balance transfer cards. Cardholders also get preferential foreign exchange rates.

Compare our reviews of M&S Bank credit cards

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Credit Card Customer Satisfaction Highly Commended:


The other recipient of our highly commended award is Amazon – the ecommerce site also achieved a 5-star rating overall. Like M&S Bank, 88% of Amazon customers were happy to recommend it to a friend.

Amazon offered two credit cards in the UK through Newday – a credit builder card and a rewards card. Perfect for frequent shoppers looking to earn rewards on their spending on

Compare our reviews of Amazon credit cards

Our customer satisfaction league table 2022

Card issuerImageOverall satisfactionWould recommendReviewLink
American ExpressAmerican Express logo★★★★★90%American Express offers a range of credit cards to cater to all types of customers, as well as the exclusive Experiences rewards programme.See the range
M&S BankM&S Bank logo★★★★★88%Similar to other credit cards operated by retailers, M&S lets you earn M&S points on every credit card transaction, and offers preferential foreign exchange rates to cardholders.See the range
AmazonAmazon logo★★★★★88%A brand new entrant for 2022, the global ecommerce giant allows customers to earn rewards points on their spending on the range
Lloyds BankLloyds logo★★★★★87%Lloyds has a wide variety of credit card products, with rewards, cashback and even specialised cards for large purchases.See the range
NatWestNatWest logo★★★★★87%NatWest offers specialised rewards and balance transfer cards, as well as a student credit card.See the range
SantanderSantander logo★★★★★87%The Spanish banking giant offers generous cashback benefits and credit cards aimed at those looking to travel abroad.See the range
Virgin MoneyVirgin Money logo★★★★★87%Virgin Money provides a number of bonus credit card programmes, 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
HalifaxHalifax logo★★★★★85%Halifax lets you combine 0% balance transfers and purchases on one card. It also offers the low-rate FlexiCard.See the range
BarclaycardBarclaycard logo★★★★★84%Barclaycard has some of the longest balance transfer periods on the market and also offers rewards and everyday cards.See the range
Tesco BankTesco Bank logo★★★★★83%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
HSBCHSBC logo★★★★★83%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
Aquaaqua logo★★★★★81%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
Sainsbury’sSainsburys Bank logo★★★★★81%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
Capital OneCapital One logo★★★★★81%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
MBNAMBNA logo★★★★★77%MBNA is part of the Lloyds Banking 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 2021, we ran a customer satisfaction survey on credit cards. 2,155 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 provider (using a 1-5 rating) and whether they would recommend the brand to a friend. We converted the responses into customer satisfaction star ratings and used these results to decide our award winner. If there was a draw, we used the recommendation score (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 2,155 customers carried out in December 2021.

Learn the details of our methodology and scoring.

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