Finder Credit Cards Customer Satisfaction Awards 2023

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:

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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

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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

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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.