Each year J.D. Power, an industry leader in data analytics and consumer intelligence, releases its U.S. Credit Card Satisfaction Study, which focuses on consumers’ overall experience with popular credit cards. The survey includes cardholders’ opinions on account management, customer service, new accounts, rewards earning, rewards redeeming, terms and credit card benefits satisfaction. Only some credit card companies win a coveted spot on the list.
In January, we announced the survey results from our own cardholder satisfaction survey, in which we polled more than 1,600 credit card holders on 43 different credit cards. The results, as always, were interesting – and not all that different from J.D. Power’s rankings.
Here, we compare our list versus the J.D. Power results to see who really reigns supreme not only for credit card satisfaction but also for the best credit cards overall.
American Express: Best overall
In J.D. Power’s study, American Express edged out Discover and Capital One to hold the top ranking for the best overall credit card customer satisfaction. This is consistent with our findings – quite a few American Express credit cards make our list of top cards as well.
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The card_name discontinued_disclaimer is a popular pick, with J.D. Power awarding it above other picks like the card_name and the card_name. American Express and Citi are CardRatings advertisers.
We love the card_name as a best credit card for dining out. It awards 4X points on restaurants globally, up to $50,000 per calendar year, before switching to 1X point for the remainder of the year. If you choose to dine at home, you are covered there, too. Cardholders earn 4X points at U.S. supermarkets, up to $25,000 per year, before the earn rate drops to 1X. This card covers all of your culinary needs, whether they are in or out of the home.
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The card_name discontinued_disclaimer was also voted a top American Express rewards card. It also makes our list of the best credit cards, especially for gas and supermarket purchases made in the U.S. This card offers 3% back on U.S. gas purchases, at U.S. supermarkets and for online U.S. retail purchases (up to $6,000 spent annually, then 1%), giving you multiple opportunities to earn cash back. With a generous welcome bonus and no annual fee, it is worth a second look for both today’s road warrior and budding chef. See Rates and Fees
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The card_name discontinued_disclaimer also rose to the top. We especially like this card for groceries, since you earn 6% cash back at U.S. supermarkets, up to $6,000 annually (then 1%). You also get 6% cash back on certain streaming subscriptions and 3% on U.S. gas and transit purchases. It is a card designed for daily life with extra rewards that can come in handy for home chefs and large families. See Rates and Fees
Discover
Discover follows American Express as the runner up for best credit card company, according to the J.D. Power survey.
Discover makes an appearance on our own best credit card list, with the card_name earning the crown for the best secured credit card. Cardholders also ranked a Discover card as their favorite, with the card_name card ranking fifth among cardholder favorites overall.
Citi
Citi also performed well in the J.D. Power credit card satisfaction survey. We also see a showing from Citi with its card_name, ranking above average as a top credit card with no annual fee. We recommend it as an option if you want flat-rate cash back with 2% cash back earned on purchases. This card encourages responsible behavior, rewarding 1% cash back when you make a purchase, and an additional 1% back once you pay for your purchases in full and on time.
Chase
The card_name scores above average for the best credit cards, despite its annual fee. It is a travel favorite, winning our vote for the best credit card with travel rewards. It offers 5X points on travel booked through Chase Travel℠ and 2X points on all other travel purchases. Rewards continue with 3X points earned on dining, online groceries and on select streaming services, as well as 1X point on your other purchases. You also get a $50 Chase Travel hotel credit to treat yourself with each year. It is no wonder the card_name ranks high for credit card rewards program satisfaction.
Bottom line
J.D. Power’s credit card satisfaction survey makes some interesting observations about the state of credit cards today. CardRatings’ editors found similar results with many of CardRatings’ top picks for the best credit cards, seeing quite a bit of overlap between the two studies. While American Express leads the pack, other credit card companies like Citibank and Chase also shine prominently.
If you are looking to open a new credit card, these picks are a great place to start.
Frequently asked questions
How satisfied are credit card customers with their rewards programs?
Many cards rank high for credit card rewards satisfaction, such as the card_name, card_name and the card_name.
What factors contribute to credit card customer satisfaction?
The J.D. Power U.S. Credit Card Satisfaction Study analyzes seven factors, including account management, customer service, new accounts, rewards earning, rewards redeeming, terms and credit card benefits satisfaction.
What are top reasons for credit card customer dissatisfaction?
High interest rates, meager rewards programs and poor credit card customer service are all common reasons for credit card customer dissatisfaction.
See Rates and Fees for the card_name; See Rates and Fees for the card_name
