Welcome to the Finder Credit Cards Customer Satisfaction Awards 2023
When you’re considering whether to apply for a credit card from a particular provider, get the opinion of the people who matter most: their 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 2 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 2023:
![Image: Supplied Finder Awards logo](https://www.finder.com/finder-us/wp-uploads/sites/3/2023/01/Finder-Award-Winner-Credit-Cards-Customer-Satisfaction-RGB.png)
Credit Card Customer Satisfaction Winner
American Express
American Express is our Customer Satisfaction Award winner for the fourth year running, with back-to-back 5-star ratings and a best-in-class recommendation score. 93% of American Express customers would recommend the provider to a friend.
Compare our reviews of American Express credit cards
![Image: Supplied Finder Awards logo](https://www.finder.com/finder-us/wp-uploads/sites/3/2023/01/Finder-Award-Highly-Commended-Credit-Cards-Customer-Satisfaction-RGB.png)
Credit Card Customer Satisfaction Highly Commended
M&S Bank
M&S Bank is this year’s runner-up, matching Amex’s 5-star rating. It boasts an impressive recommendation score: 88% of M&S Bank customers would recommend the company to a friend.
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
Our customer satisfaction league table 2023
Card issuer | Image | Overall satisfaction | Would recommend | Review | Link |
---|---|---|---|---|---|
American Express | ![]() | ★★★★★ | 93% | 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 |
M&S Bank | ![]() | ★★★★★ | 88% | Similar to other credit cards operated by retailers, M&S Bank lets you earn M&S points on every credit card transaction and offers preferential foreign exchange rates to cardholders. | See the range |
Sainsbury’s | ![]() | ★★★★★ | 83% | 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 |
NatWest | ![]() | ★★★★★ | 94% | NatWest offers specialised rewards and balance transfer cards, as well as a student credit card. | See the range |
Lloyds Bank | ![]() | ★★★★★ | 87% | Lloyds Bank has a wide variety of credit card products, with rewards, cashback and even specialised cards for large purchases. | See the range |
Santander | ![]() | ★★★★★ | 87% | Santander, the Spanish banking giant, offers generous cashback benefits and credit cards aimed at those looking to travel abroad. | See the range |
Halifax | ![]() | ★★★★★ | 87% | Halifax combines 0% balance transfers and purchases on 1 card. It also offers the low-rate FlexiCard. | See the range |
HSBC | ![]() | ★★★★★ | 85% | 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 |
Virgin Money | ![]() | ★★★★★ | 84% | Virgin Money provides a number of bonus credit card programs such as Virgin Red. It 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 |
Tesco Bank | ![]() | ★★★★★ | 84% | Tesco Bank has a wide range of credit card products. You can earn Tesco Clubcard points on every transaction you make using your card. | See the range |
Barclaycard | ![]() | ★★★★★ | 83% | Barclaycard offers balance transfer, rewards and everyday cards. | See the range |
MBNA | ![]() | ★★★★★ | 83% | 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 |
Capital One | ![]() | ★★★★★ | 81% | Capital One offers credit-builder cards for those looking to improve their credit score. It also offers a credit report check without affecting your score. | See the range |
Wave | ![]() | ★★★★★ | 80% | With Chetwood Financial’s Wave credit card, you can borrow up to £1,750 while building your credit history. | Read our review |
Asda Money | ![]() | ★★★★★ | 79% | Asda Money‘s credit cards offer competitive rates, a credit building option and the chance to earn cashback in the form of “Asda Pounds”. | See the range |
Aqua | ![]() | ★★★★★ | 71% | Aqua credit cards offer limits of up to £1,200 and are aimed at customers looking to build their credit score. | See the range |
Customer satisfaction ratings methodology
In December 2022, we ran a customer satisfaction survey on credit cards. 2,749 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
The customer satisfaction score (“You say”) is based on a survey of 2,749 customers carried out in December 2022.
More guides on Finder
-
Revolut authorised as a bank after 3-year wait
Revolut will be able to offer its own loans and mortgages as a bank and deposits will be protected. Here’s what customers need to know.
-
M&S Bank Credit Card Purchase Plus Offer Mastercard review
Enjoy the longest introductory purchase 0% deal offered by M&S Bank, and earn M&S points on all your spending. Compare live rates and alternative options.
-
Winners of the Finder Green Banking Awards 2024 revealed
How green is your bank? We’ve published the winners and highly commended brands of the Finder Green Banking Awards 2024.
-
Winners of the Finder Green Banking Awards 2024 revealed!
Finder analysed the UK’s most popular banking brands’ sustainability credentials to reveal the winners of the Green Banking Awards 2024
-
Example email
An example of an email sent to Finder subscribers.
-
Finder Green Banking Awards 2024
These awards cut through the greenwash and recognise the banking brands in the UK which are sustainable and making a difference.
-
GoHenry vs Starling Kite: Find out which app is better
Learn more about GoHenry and Starling Kite and find out which is the better prepaid card option for your child.
-
Fixed-rate ISA calculator: Should you switch to a better rate?
Our fixed-rate ISA calculator estimates whether paying the get-out penalty on your ISA is worth it to open a new one at a better rate.
-
The ‘single tax’ revealed: What’s the true cost of being single?
Recent estimates suggest that over 8 million people live alone in the UK, so we’ve crunched the numbers to find the cost of being single.
-
Monzo’s new children’s account for under-16s, launching in 2024: What we know
Monzo is getting in on the cards-for-kids action. And this one is free. Get ready to dish out the Monzos, mum-zos!