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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: Monkey Business Images/Getty Images March 09, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
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Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. While credit cards have numerous benefits, there’s one factor that can send many cardholders running for the hills—poor customer service. When the thought of calling your credit card company gives you a headache, it’s hard to imagine staying for the long haul. Let’s have a look at some major card issuers that are known for taking good care of their customers. 5 major credit card issuers with the best customer service
Consumers considering a new credit card may want to pay special attention to companies who have received high rankings for how they treat their customers during the good times and the bad. The is the premier source for determining overall customer satisfaction. The 2021 study included responses from nearly 28,000 credit card customers. Their survey results show that, although most major credit card issuers score relatively high, some card issuers stand out when it comes to pleasing their customers. American Express
came in at No. 1 in the J.D. Power study with 838 out of 1,000 points. This is not surprising—Amex is well known for its great customer service. It offers 24/7 customer service over the phone, secure messaging and even online chat. Its online chat service is frequently praised by customers who want to get issues resolved while at work or don’t have time to call into the customer service line. Amex also features a robust mobile app where you can monitor your purchases, make payments, review your cardholder benefits and more. Amex is well known for its travel cards and VIP airport lounge access, but the issuer also offers popular grocery and dining-focused cards like the and the . Discover
earned the No. 2 spot in J.D. Power’s 2021 study, with 837 points out of 1,000 points. That’s much higher than the major issuer average of 809. Not only does Discover offer a consumer-friendly mobile app that lets you monitor your account, make payments and redeem rewards, but it promises that its customer service is based in the U.S. You also have 24-hour access to the customer service line, and you can contact them by mail. Discover has fan-favorite cards like the and , which come with no annual fees and no foreign transaction fees. Their rewards programs are straightforward as well, allowing you to redeem rewards for cash back, statement credits, gift cards and merchandise. Capital One
is another issuer that beat the industry average, coming in at No. 3 with 815 points in J.D. Power’s 2021 Credit Card Satisfaction Study. In addition to its 24/7 customer service line, you can call collect from an international number to cancel a stolen card and ask for a replacement. Capital One’s mobile app also lets you pay your bill, bank on the go and more. You can even lock your card with the app if it’s misplaced, lost or stolen. Capital One has many popular rewards cards, many of which frequently have a spot on lists, like the and the . Chase
came in at No. 4 in the J.D. Power study, scoring 807 points out of 1,000, which is only a couple of points lower than the industry average. However, Chase still receives high customer service marks due to its outreach and social media presence. Customers can easily reach Chase over its 24-hour phone line, via secure online messaging or by mail. The Chase mobile app also makes it easy for Chase cardholders to keep track of purchases and rewards. Speaking of rewards, the —which you can access through cards like the and —is one of the best rewards programs available. Citi
tied with Bank of America for the No. 5 spot—both issuers scored 805 out of 1,000 points in the J.D. Power study—but we’ll give preference here to Citi since its rewards card offerings tend to be more popular with customers. Two of its most popular rewards cards, both with no annual fee, include the and the . Some of Citi’s customer service features include a 24/7 service phone line, free access to your FICO credit score, fraud alerts and enhanced account protection, among other benefits. The bottom line
As a cardholder, make sure you assess your overall satisfaction with an issuer; the rewards you receive with a card are only part of the picture. Take note of when you experience both good and bad customer service, and keep the major issuers’ customer service rankings in mind before opening a new credit card. That way, you can hopefully avoid opening a card that you’ll be more likely to cancel down the line due to bad customer service. SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Related Articles