Welcome to the Finder Credit Cards Customer Satisfaction Awards 2024
If you’re thinking about applying for a card, or you just want to know where your card company ranks, you can see how customers view their card company in our 2024 league table. 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 2024:
Credit Cards Customer Satisfaction Winner
Virgin Money
This year’s winner has featured among our list of the best credit cards. Virgin Money offers a range of cards for different purposes, including transfering your balance and earning air miles. Customers clearly like the service – it scored 4.9 out of 5 for overall satisfaction, and 98% of its customers in our survey said they’d recommend it.
Compare Virgin Money credit cards
Credit Cards Customer Satisfaction Highly Commended
American Express
American Express is no stranger to the top of our customer satisfaction table, and several Amex cards regularly feature in our list of best credit cards. Last year’s winner still scores an impressive 4.9 out of 5 – matching our winner – and 93% of its customers in our survey would recommend the brand. Amex offers a wide range of cards that offer perks such as cashback, hotel rewards points, Nectar points and Avios air miles.
Compare American Express cards
Credit Cards Customer Satisfaction Highly Commended
Tesco Bank
Tesco Bank has featured among our best credit cards for bad credit. The brand offers a range of cards that allow you to earn points towards discounts on shopping, eating out, entertainment or flights. Customers gave Tesco Bank 4.9 out of 5 for overall satisfaction, with 93% saying they’d recommend it to a friend.
Best credit card providers for customer satisfaction in 2024
| Brand | Logo | Overall satisfaction | Customers who’d recommend | Review | Link |
|---|---|---|---|---|---|
| Virgin Money |  | ★★★★★ | 98% | Virgin Money takes the gong this year, with an impressive 4.9 out of 5 from its credit card customers in our survey and 98% saying they’d recommend the brand. | Read our review |
| American Express |  | ★★★★★ | 93% | American Express was our winner last year. This year Amex was just pipped to the top spot. Still, its customers gave it 4.9. out of 5 for overall satisfaction and 93% would recommend the brand. | Read our review |
| Tesco Bank |  | ★★★★★ | 93% | Tesco Bank shares the podium this year, coming highly commended jointly with Amex. Customers gave the bank a score of 4.9 out of 5 for overall satisfaction. | Read our review |
| M&S Bank |  | ★★★★★ | 91% | M&S Bank was highly commended last year, and this year it’s only just missed out. Customers’ overall satisfaction score was 4.9 out of 5. | Read our review |
| Sainsbury’s Bank |  | ★★★★★ | 91% | Sainsbury’s Bank adds another supermarket brand to the top 5 this year. Customers we surveyed gave it a score of 4.8 out of 5 for overall satisfaction. | Read our review |
| Santander |  | ★★★★★ | 91% | Santander’s range includes balance transfer cards, and deals with cashback on your spending. Customers in our survey gave the bank 4.7 out of 5. | Read our review |
| Lloyds Bank |  | ★★★★★ | 89% | Lloyds Bank offers balance transfer cards, all-rounders and more. Lloyds customers in our survey gave the bank 4.6 out of 5 for overall satisfaction. | Read our review |
| Barclaycard |  | ★★★★★ | 87% | Barclaycard scored 4.6 out of 5 for overall satisfaction. The brand offers a wide range of cards and has a long history of providing market-leading deals including some of the longest balance transfer periods going. | Read our review |
| Vanquis Bank |  | ★★★★★ | 96% | Vanquis Bank’s credit card is designed for those who want to build their credit profile. Vanquis customers in our survey gave the brand 4.5 out of 5. | Read our review |
| NatWest |  | ★★★★★ | 93% | NatWest offers cards for balance transfers, rewards and more. NatWest customers in our survey gave it a score of 4.5 out of 5 for overall satisfaction. | Read our review |
| Royal Bank of Scotland |  | ★★★★★ | 89% | Royal Bank of Scotland’s cards are very similar to those of its sister, NatWest. Both banks are part of NatWest Group. RBS customers in our survey gave the bank 4.5 out of 5 for overall satisfaction (just like NatWest). | Read our review |
| Capital One |  | ★★★★★ | 86% | Capital One offers credit cards to help people improve a bad credit rating. Customers in our survey gave the brand 4.5 out of 5 for overall satisfaction. | Read our review |
| Halifax |  | ★★★★★ | 86% | Halifax is part of Lloyds Banking Group and offers a wide range of cards including the popular Clarity, which charges no fees for transactions abroad. Customers in our survey gave the brand a score of 4.3 out of 5 for overall satisfaction. | Read our review |
| HSBC |  | ★★★★★ | 84% | HSBC has a broad range of cards, including for students, for balance transfers and for earning rewards. HSBC customers gave the bank 4.3 out of 5 for overall satisfaction in our latest survey. | Read our review |
| MBNA |  | ★★★★★ | 91% | MBNA cards have some competitive transfer and purchase offers, and many boast competitive default rates that the cards revert to when offer periods expire. Customers in our survey gave the brand 4.2 out of 5 for overall satisfaction. | Read our review |
| Aqua |  | ★★★★★ | 73% | Aqua’s credit cards are designed to help people with a low credit score, or with little or no credit history, to build up their credit records. Customers in our survey gave Aqua 3.5 out of 5 for overall satisfaction. | Read our review |
Customer satisfaction scores methodology
We asked credit card customers to score their satisfaction with the service they had received from their primary card provider, and also whether they would recommend the service to a friend. Our independent survey of 750 credit card users was carried out in December 2023 – full details in our methodology guide.
We used these ratings to decide the winners of our awards (where there was a draw on the star ratings score, we used the “would recommend” percentage as a tie-breaker).
Credit card scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
The customer satisfaction score is based on a survey of 750 credit card users, carried out in December 2023.
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