Welcome to the Finder Customer Satisfaction Awards 2026
Our awards are decided by the only votes that really matter – yours. We partnered with the research consultancy Censuswide to ask customers of major credit card providers in the UK to tell us about their experiences.
Winner: Credit cards
Chase
Chase is new to the credit cards category this year – and has topped the table with a very impressive 100% recommendation score! Customers like the fact it’s a travel-friendly credit card that is easy to manage online.
Highly commended: Credit cards
Lloyds Bank
Lloyds Bank is highly commended in this year’s awards, with a recommendation score of 91%. Popular features include the cashback and the supportive customer service.
Best credit card providers for customer satisfaction in 2025
| Brand | Customers who’d recommend | Details |
|---|---|---|
| Chase | 100% | Highly valued for its digital-first approach, Chase is trusted by customers. Reviewers appreciate the user-friendly app and quick customer service response. |
| Lloyds Bank | 91% | Lloyds Bank earns praise for its supportive fraud protection and seamless app management. Many users value how easy it is to track credit scores and manage finances. |
| Santander | 90% | Rewarding users with cashback on daily spending, Santander is a reliable and stable provider. Customers also appreciate the brand’s proactive security. |
| Barclaycard | 87% | Barclaycard is frequently cited for its high purchase protection and market-leading 0% transfer deals. Savers find the app easy to monitor. |
| M&S Bank | 87% | Loyal shoppers value M&S Bank for its proactive fraud checks and useful voucher rewards. The brand is highly reputable with high customer service standards. |
| HSBC | 87% | Widely accepted and reliable, HSBC provides helpful financial advice and useful 0% interest periods. Users appreciate the quick resolution of technical issues. |
| Royal Bank of Scotland | 87% | Royal Bank of Scotland is noted for its responsible credit limits and helpful app for tracking interest. Customers appreciate the brand’s reliability. |
| first direct | 87% | Renowned for its top-tier call centre, first direct links seamlessly with current accounts. Users value the straightforward approach and honest communication. |
| MBNA | 83% | MBNA is praised for its responsive customer service and easy app navigation. Many reviewers highlight the clear security features and balance transfer offers. |
| Monzo (flex card) | 83% | The Monzo (flex card) earns high marks for its transparent interest-free split options. Users value how easily it integrates for managing daily spending. |
| NatWest | 83% | NatWest offers a secure app that includes useful instalment plans for larger purchases. Reviewers also value the brand’s travel rewards. |
| American Express | 82% | Consistently praised for its exceptional rewards, American Express remains a favourite for points hunters. Users especially value the loyalty incentives and professional service. |
| Bank Of Scotland | 80% | Bank Of Scotland is valued for being a secure option, specifically for use abroad. Customers find the card replacement service efficient and smooth. |
| Virgin Money | 80% | Virgin Money is highlighted for its excellent balance transfer offers and easy-to-navigate website. Reviewers find the account management straightforward. |
| Asda Money | 80% | Supermarket shoppers value Asda Money for its rewards scheme on weekly shops. The brand is described as supportive and easy to apply for. |
| Zable | 77% | Zable is a popular choice for building credit with a fabulous app. Customers value the ability to track their credit score and receive instant support. |
| Halifax | 77% | Halifax is frequently recommended for its no-fee travel cards and easy balance transfers. Many users value the ability to talk to human agents. |
| Tesco Bank | 77% | Collecting Clubcard points everywhere is a major highlight for Tesco Bank users. Reviewers also praise the quick resolution of issues. |
| Vanquis Bank | 77% | Vanquis Bank is praised for supporting those with poor credit history. Customers value the helpful staff who provide understanding support for account management. |
| Yonder | 73% | Yonder stands out with its fantastic reward points programme tailored for city socialites. Users find the brand reputable and appreciate the innovative approach. |
| John Lewis Finance | 70% | John Lewis Finance is liked by customers for its secure app and valuable vouchers. Reviewers find the brand reliable and the online statements clear. |
| 118 118 Money | 70% | Helpful for those rebuilding credit, 118 118 Money offers clear fees and quick service. Users appreciate the regular updates and accessible credit limits. |
| Capital One | 70% | Capital One is noted for its high approval transparency and helpful app. Users value the brand’s open communication and efficient customer support. |
| Aqua | 63% | Aqua is valued for offering credit building opportunities, supported by a useful app. However, some users expressed dissatisfaction with the high interest rates. |
Customer satisfaction ratings methodology
We asked people who’d used a credit card provider within the previous 12 months to rate their satisfaction with the service they received and whether they’d recommend the provider to a friend. Our independent survey of 750 credit card customers was carried out in February 2026.
We have shown the percentage recommended score in the table above and used these ratings to decide the winners of our awards. Where there was a draw on the “would recommend percentage”, we used the overall rating out of 5 as a tie-breaker.
Previous winners
| Year | Brand | Award type | Award category | Position | Finder Badge |
|---|---|---|---|---|---|
| 2025 | Monzo | Customer Satisfaction Awards | Credit Cards | Winner |
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| 2024 | Virgin Money | Customer Satisfaction Awards | Credit Cards | Winner |
|
| 2024 | American Express | Customer Satisfaction Awards | Credit Cards | Highly Commended |
|
| 2024 | Tesco Bank | Customer Satisfaction Awards | Credit Cards | Winner |
|
| 2023 | American Express | Customer Satisfaction Awards | Credit Cards | Winner |
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| 2023 | M&S Bank | Customer Satisfaction Awards | Credit Cards | Winner |
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| 2022 | American Express | Customer Satisfaction Awards | Credit Cards | Winner |
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| 2022 | M&S Bank | Customer Satisfaction Awards | Credit Cards | Highly Commended |
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| 2022 | Amazon | Customer Satisfaction Awards | Credit Cards | Highly Commended |
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| 2021 | Virgin Money | Customer Satisfaction Awards | Credit Cards | Winner |
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| 2021 | American Express | Customer Satisfaction Awards | Credit Cards | Highly Commended |
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| 2021 | Tesco Bank | Customer Satisfaction Awards | Credit Cards | Highly Commended |
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| 2020 | American Express | Customer Satisfaction Awards | Credit Cards | Winner |
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| 2020 | Santander | Customer Satisfaction Awards | Credit Cards | Highly Commended |
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