Credit cards

Brand Customer
happiness

What does this mean? This score shows how happy a company's customers are with it. A higher score means a company has happier customers than most of its competitors.

Customer
trust

What does this mean? This score shows how much trust customers place in a brand. A higher score means more customers trust the brand than others in this sector.

Complaints
performance

What does this mean? This score shows how good a company is at handling complaints. A higher score means the company gets it right more often than its competitors.

Transparency
rating

What does this mean? This score shows how good a company is at telling you everything you need to know, in a language you can understand. A higher score means the company is more transparent than its competitors.

Fairer Finance score

John Lewis

77% 73% 85% 54% 72%

First Direct

73% 70% 85% 59% 72%

Saga

71% 55% 85% 58% 67%

Co-operative Bank

63% 51% 78% 76% 67%

Smile

61% 49% 78% 78% 66%

Nationwide

71% 62% 70% 58% 65%

British Airways

74% 61% 77% 47% 65%

Halifax

57% 46% 88% 67% 65%

American Express

68% 60% 77% 50% 64%

Virgin Money

63% 48% 62% 78% 63%

Yorkshire Bank

54% 49% 81% 63% 62%

Sainsbury's

64% 47% 77% 58% 62%

Tesco Bank

65% 49% 77% 49% 60%

Bank of Scotland

50% 40% 88% 63% 60%

TSB

54% 45% 80% 60% 60%

Lloyds Bank

52% 40% 79% 65% 59%

Clydesdale Bank

54% 38% 81% 63% 59%

HSBC

51% 42% 85% 54% 58%

Marks & Spencer

64% 53% 79% 36% 58%

Capital One

50% 39% 77% 59% 56%

American Airlines

59% 50% 78% 37% 56%

AA

59% 52% 59% 54% 56%

Natwest

51% 40% 73% 56% 55%

Santander

60% 47% 65% 41% 53%

Post Office

55% 41% 59% 58% 53%

Barclaycard

53% 41% 70% 46% 53%

MBNA

55% 40% 78% 38% 53%

Ulster Bank

39% 27% 72% 68% 52%

Bank of Ireland

58% 41% 59% 48% 51%

Royal Bank of Scotland

44% 30% 71% 56% 50%

Debenhams

43% 41% 60% 56% 50%

Asda Money

60% 42% 57% 40% 50%

Argos

51% 58% 64% 25% 49%

Aqua

46% 32% 60% 57% 49%

Creation

52% 36% 57% 45% 47%

House of Fraser

56% 31% 60% 41% 47%

Aquis

40% 50% 64% 26% 45%

Vanquis Bank

43% 31% 64% 32% 42%