Credit Card Customer Satisfaction Statistics (2026)

Sep 30, 2025

Written By Adam McCann

WalletHub Financial Writer

Fact checkedFact Checked by Alina Comoreanu, WalletHub Senior Researcher

WalletHub Senior Researcher

Top Credit Card Issuers by WalletHub Satisfaction Score:

U.S. Bank: 90.10
Discover: 89.88
Amex: 89.51
Chase: 89.25
Bank of America: 89.18

The average customer satisfaction score for credit cards offered by the top 15 issuers is 85.23 out of 100 points, according to WalletHub research. U.S. Bank has the highest credit card customer satisfaction, earning 90.10/100 points. Synchrony Bank has the lowest customer satisfaction, with a score of 66.90/100. WalletHub credit card customer satisfaction scores are based on metrics such as the number of complaints received by the CFPB, how those complaints are resolved, user ratings, and WalletHub editor ratings.

Moreover, credit card customer satisfaction registered a score of 611 out of 1,000 in the latest JD Power and Associates Credit Card Satisfaction Study. The average score over the years is 800, but J.D. Power changed its methodology in 2023, leading to an overall decline in scores.

Table of Contents

Credit Card Customer Satisfaction Industry Average

(Source: J.D. Power U.S. Credit Card Satisfaction Study, 2022)

The average credit card customer satisfaction score for 2025 is 611.
The average credit card customer satisfaction score for 2024 is 610.
The average credit card customer satisfaction score for 2023 is 609. J.D. Power changed its methodology in 2023, leading to an overall decline in scores.

Credit Card Customer Satisfaction by Issuer

WalletHub assessed consumer satisfaction for the top 15 credit card issuers based on their total outstanding balances, CFPB complaints, CFPB satisfactory response and WalletHub reviews. Each issuer received a rating on a 100-point scale, check WalletHub methodology for more details.

Among the top 15 issuers, U.S. Bank ranked first for overall customer satisfaction, while Synchrony Bank ranked last, according to the WalletHub research.

Rank	Issuer	WalletHub Satisfaction Score	CFPB Complaints Per $1 Billion Outstanding	CFPB Satisfactory Response	WalletHub Reviews
		Max 100 Points	Max 60 Points	Max 20 Points	Max 20 Points
1	U.S. Bank	90.10	57.44	20.00	12.67
2	Discover	89.88	56.55	20.00	13.33
3	Amex	89.51	56.84	20.00	12.67
4	Chase	89.25	57.25	20.00	12.00
5	Bank of America	89.18	56.51	20.00	12.67
6	Credit One Bank	88.67	60.00	20.00	8.67
7	USAA	87.83	57.83	20.00	10.00
8	First National Bank of Omaha	87.69	57.02	20.00	10.67
9	Navy FCU	87.25	53.92	20.00	13.33
10	Wells Fargo	85.73	54.39	20.00	11.33
11	Citibank	84.58	53.91	20.00	10.67
12	Barclays	84.10	52.77	20.00	11.33
13	Capital One	83.43	52.09	20.00	11.33
14	Goldman Sachs	74.35	47.02	20.00	7.33
15	Synchrony Bank	66.90	37.60	19.97	9.33

(Source: Consumer Financial Protection Bureau and WalletHub)

Credit Card Customer Satisfaction Index for National Banks

(Source: J.D. Power U.S. Credit Card Satisfaction Study, 2025)

Credit Card Customer Satisfaction Index for Regional Banks

(Source: J.D. Power U.S. Credit Card Satisfaction Study, 2022)

Consumer Satisfaction Results (1,000 point index)

	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
American Express	643	634	657	848	838	838	838	830	835	825	820	819	816	807	786	769	762	783
Bank of America	622	616	629	818	805	812	798	791	795	788	777	766	749	728	705	699	687	692
Barclays	593	592	577	797	792	796	806	806	806	794	788	776	764	758	739	709	717	n/a
Capital One	621	620	616	812	815	808	807	803	808	799	790	765	756	734	720	699	671	678
Chase	619	619	607	813	807	809	807	804	796	790	792	789	783	762	735	711	708	719
Citi	608	611	606	808	805	801	799	797	791	776	765	756	741	737	711	692	699	710
Credit One Bank	523	522	496	738	736	739	728	718	735	n/a	n/a	n/a	n/a	n/a	n/a	n/a	618	n/a
Discover	617	629	629	841	837	837	842	836	827	827	828	819	812	799	779	757	751	751
Synchrony Bank	N/A	N/A	N/A	786	788	800	780	762	768	758	743	739	742	704	n/a	n/a	n/a	n/a
U.S. Bank	603	595	576	791	782	786	785	781	794	790	776	773	759	748	721	727	715	716
Wells Fargo	615	598	602	797	791	800	783	777	775	786	779	773	757	737	726	714	724	709
Industry average	612	610	609	814	809	810	806	801	802	796	790	778	767	753	731	714	703	724

(Source: J.D. Power U.S. Credit Card Satisfaction Study, 2025)

Number of Credit Card Consumer Complaints

Bank of America saw a 6.4% decrease in consumer complaints from 2023 to 2024, showing the biggest improvement among the top issuers.

(Source: CFPB Credit Card Complaint Data, 2025)

Methodology

For the "credit card customer satisfaction by issuer" section, WalletHub evaluated consumer satisfaction for 15 of the largest credit card issuers based on total outstanding balances. Each issuer was scored on a 100-point scale according to the following criteria:

CFPB Complaints Per $1 Billion Outstanding (maximum of 60 points)
- 60 Points: No complaints
- 0 Points: 135+ complaints
Satisfactory Response Rate To CFPB Complaints (maximum of 20 points)
- 20 Points: 100%
- 0 Points: 50%
Average WalletHub Reviews (maximum of 20 points)
- 20 Points: 5 stars
- 0 Points: 2 stars or below

Credit Card Customer Satisfaction FAQ(13 questions)

Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

Is Bank of America a good credit card company?

Chip Lupo, Credit Card Writer

Yes. Bank of America is a good credit card company for low annual fees, initial bonuses, and rewards, according to WalletHub reviews. Bank of America credit cards also have a user rating of 3.9/5 on WalletHub, based on more than 39,000 reviews.

Reasons Why Bank of America Is a Good Credit Card Company

3.9/5 average user rating on WalletHub
13 credit card offers rated 4+ out of 5 by WalletHub editors
55.4 million cards in circulation
Initial bonus offers of up to 60,000 points
0% introductory APR for as long as 21 billing cycles
Offers for people with bad credit
Annual fees as low as $0

Finally, Bank of America also ranked tenth for customer satisfaction in WalletHub's most recent Credit Card Landscape Report. But despite the company's many positives, it's important to point out that Bank of America is not perfect. For example, other credit card companies are better for secondary insurance benefits and rewards redemption flexibility.

Upvotes

What are the best credit card companies?

Milvionne Chery Copeland, Writer

The best credit card companies are American Express and Capital One, based on customer satisfaction. American Express ranks first in the latest J.D. Power Credit Card Satisfaction Study, and Capital One isn't far behind, as both companies have some of the best credit cards according to WalletHub.

Some of the factors the J.D. Power study used to measure customer satisfaction include credit card terms, communication, rewards, benefits and services, and problem resolution. Below, you will find the...

Upvotes

What is the most reliable credit card company?

Ryan P Page, Staff Writer

The most reliable credit card company is Mastercard. Although Mastercard does not issue any credit cards, they have a global network of millions of merchant locations in 210+ countries and territories, which means your Mastercard should reliably work wherever you try to use it.

You should also be able to reliably find a Mastercard credit card that suits your needs, whether you're looking for cash back, travel rewards, a student card, a secured card...

Upvotes

Which bank has the best credit cards?

John S Kiernan, Managing Editor

The banks with the best credit cards are Capital One, Citibank, Bank of America and Discover. These top-10 credit card companies all have good credit card offers for people across the creditworthiness spectrum, and most major banks offer at least one credit card that would be best for someone.

People have different opinions on the best credit card company for one reason or another. Customer service is important to some credit card users. Others are attracted to...

Upvotes

Is U.S. Bank a good credit card company?

zoomie zip

do not get one of these cards. i had a $7,000 limit & mine was maxed & my interest was 21%. they raised it to 30% based on my credit. crookes. like if i'm struggling why would you make it worse? my payment was $200 a month & it all went to interest. i never missed a payment. then with help i was able to transfer the balance onto a 0% card. so now they...

View more answers

Upvotes

Is Capital One a good credit card company?

Chip Lupo, Credit Card Writer

Yes, Capital One is a good credit card company for travel rewards, student credit building, and no foreign transaction fees, according to WalletHub reviews. Capital One credit cards also have a user rating of 3.7/5 on WalletHub, based on more than 74,000 reviews.

Reasons Why Capital One Is a Good Credit Card Company

3.7/5 average user rating on WalletHub
9 million cards in circulation
Initial bonus offers of up to...

Upvotes

Is Chase a good credit card company?

Upvotes

Is it good to have a Capital One credit card?

Chip Lupo, Credit Card Writer

A Capital One credit card is good to have because you can get generous rewards, low intro APR deals, great benefits, or low annual fees while avoiding foreign transaction fees. Capital One credit cards are available to a wide range of consumers, including students, business owners, and those with bad or limited credit.

Notable Capital One Credit Cards

Overall:
Capital One Quicksilver Cash Rewards Credit Card
Travel Rewards:
Capital One Venture Rewards Credit Card
Big Spenders:
Capital One Venture X Rewards Credit Card
Bad Credit:
Capital One Quicksilver Secured Cash Rewards Credit Card

Overall:
Capital One Quicksilver Cash Rewards Credit Card
Travel Rewards:
Capital One Venture Rewards Credit Card
Big Spenders:
Capital One Venture X Rewards Credit Card
Bad Credit:
Capital One Quicksilver Secured Cash Rewards Credit Card

Why a Capital One Credit Card Is Good to Have

Capital One cards are...

Upvotes

Is Barclays a good credit card company?

Chip Lupo, Credit Card Writer

Barclays is an average credit card company overall, but some Barclays credit cards are good for rewards, 0% APR intro offers, and travel. Barclays credit cards also have a solid user rating of 3.6/5 on WalletHub, based on more than 24,000 reviews.

Reasons Why Barclays Is an Average Credit Card Company

3.6/5 average user rating on WalletHub
11.5 million cards in circulation
Initial bonus offers of up to 45,000 points
...

Upvotes

Is First PREMIER Bank a good credit card company?

Chip Lupo, Credit Card Writer

First PREMIER Bank is not a good credit card company because its credit cards have high annual fees, high APRs and no rewards. First PREMIER Bank credit cards also have an average user rating of 3.3/5 on WalletHub, based on more than 6,000 reviews, only about 33% of which are 5 stars.

All card issuers have strengths and weaknesses, however, and people's experiences with credit card companies can vary widely. If you find that...

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