Welcome to the Finder Customer Satisfaction Awards 2025
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. Find out the winner below, as well as our Customer Satisfaction Champions who got a recommendation score of 90% or more.
Credit Cards Customer Satisfaction Winner
Monzo
The Monzo flex card takes the top spot in this year’s Customer Satisfaction Awards! 93% of customers said they’d recommend the card – they loved how easy it was to use and said it was both flexible and reliable.
Credit Cards Customer Satisfaction Champion
first direct
Any brand which had at least 90% of customers recommend them has been recognised with a customer satisfaction champion award. first direct achieved an impressive 90% recommendation score and customers loved how easy it was to understand and the good level of customer service.
Credit Cards Customer Satisfaction Champion
M&S Bank
M&S Bank have also been given a Customer Satisfaction Champion award this year for scoring an impressive 90% in recommendations. Customers particularly liked the rewards system.
Best credit card providers for customer satisfaction in 2025
| Brand | Logo | Customers who’d recommend | Review | |
|---|---|---|---|---|
| Monzo |  | 93% | Monzo is this year’s winner – Monzo Flex is like a flexi credit card-buy now, pay later hybrid. | Read our review |
| first direct |  | 90% | first direct‘s card range is small but perfectly formed, with two cards exclusively available to first direct current account holders. | Read our review |
| M&S Bank |  | 90% | M&S Bank offers a range of credit card products including shopping rewards and 0% purchase cards. | Read our review |
| Yonder |  | 87% | The Yonder credit card is for those planning to make a positive impact on their credit score, whilst earning rewards at the same time. | Read our review |
| Tesco Bank |  | 87% | Tesco Bank offers a typical range of cards – from balance transfer to 0% purchase to rewards cards. | Read our review |
| Lloyds Bank |  | 87% | Lloyds Bank offers balance transfer cards, all-rounders and more, including some cards which offer cashback. | Read our review |
| Zable |  | 87% | Zable is a straightforward card for people who don’t have excellent credit, offering a stripped-back fee structure. | Read our review |
| Asda Money |  | 87% | Asda Money recently rolled back its range of credit products to launch a new rewards credit card with Jaja Finance. | Read our review |
| Barclaycard |  | 85% | Barclaycard offers a range of cards and is known for providing market-leading deals including some of the longest balance transfer periods going. | Read our review |
| NatWest |  | 83% | NatWest is a well-known bank offering different credit cards for balance transfers, rewards and more. | Read our review |
| American Express |  | 83% | American Express is known for providing competitive rewards credit cards, but some do come with fees. | Read our review |
| John Lewis Finance |  | 83% | The John Lewis Credit Card earns rewards points wherever you use it and has introductory 0% deals on purchases and balance transfers. | Read our review |
| Virgin Money |  | 83% | Virgin Money has a range of credit cards to suit different financial requirements and a variety of purposes, with reasonable interest rates and charges. | Read our review |
| Royal Bank of Scotland |  | 80% | Royal Bank of Scotland’s cards are very similar to those of its sister, NatWest. Both banks are part of NatWest Group. | Read our review |
| HSBC |  | 80% | HSBC has a broad range of cards, including for students, for balance transfers and for earning rewards. | Read our review |
| MBNA |  | 80% | MBNA cards have some competitive transfer and purchase offers, and many boast competitive default rates that the cards revert to when offer periods expire. | Read our review |
| Halifax |  | 80% | 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. | Read our review |
| Bank of Scotland |  | 80% | Bank of Scotland offers a range of cards including 0% on balance transfers and purchases. | Read our review |
| 118 118 Money |  | 80% | 118 118 Money’s credit card is commendably simple – charging almost no fees, and one single rate of interest. | Read our review |
| Sainsbury’s Bank |  | 77% | Sainsbury’s Bank concentrates on offering cards that award very long 0% promotional periods. | Read our review |
| Santander |  | 67% | Santander’s range includes balance transfer cards, and deals with cashback on your spending. | Read our review |
| Capital One |  | 63% | Capital One offers credit cards to help people improve a bad credit rating. | Read our review |
| Vanquis Bank |  | 57% | Vanquis Bank’s credit card is designed for those who want to build their credit profile. | Read our review |
| Aqua |  | 53% | 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. | Read our review |
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 751 credit card customers was carried out in January 2025.
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.
More resources on Finder