Credit cards

Start your search for good value credit cards by taking a look at Fairer Finance's spring ratings.

Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.

Brand Customer
happiness
Customer
trust
Complaints
performance
Transparency
rating
Customer Experience rating

What does this mean?

What does this mean?

What does this mean?

What does this mean?

Gold

First Direct

First Direct
75% 74% 68% 48% 66%
Gold

Nationwide

Nationwide
70% 67% 72% 42% 63%
Gold

Halifax

Halifax
59% 51% 79% 59% 62%
Gold

Bank of Scotland

Bank of Scotland
51% 51% 79% 65% 61%
Gold

Tesco Bank

Tesco Bank
65% 52% 78% 49% 61%
Gold

American Express

American Express
70% 63% 68% 43% 61%
Gold

Co-operative Bank

Co-operative Bank
55% 53% 66% 70% 61%
Gold

Lloyds Bank

Lloyds Bank
58% 52% 76% 55% 60%
Gold

John Lewis

John Lewis
73% 69% 63% 34% 60%
Silver

Smile

Smile
55% 48% 66% 68% 59%
Silver

British Airways

British Airways
64% 60% 68% 45% 59%
Silver

Virgin Money

Virgin Money
62% 52% 76% 44% 58%
Silver

Barclaycard

Barclaycard
58% 49% 68% 55% 58%
Bronze

MBNA

MBNA
56% 44% 79% 45% 56%

Post Office Money

59% 49% 66% 47% 55%

Marks & Spencer

62% 56% 69% 34% 55%

Santander

61% 53% 60% 41% 54%

HSBC

54% 49% 68% 44% 54%

Sainsbury's

64% 49% 65% 36% 54%

Bank of Ireland (UK)

51% 56% 66% 38% 53%

NatWest

58% 49% 58% 39% 51%

TSB

60% 50% 51% 41% 51%

Amazon

59% 57% 55% 27% 50%

Capital One

52% 42% 66% 38% 49%

Debenhams

52% 44% 55% 40% 48%

Danske Bank

46% 51% 63% 32% 48%

Aqua

47% 39% 55% 48% 47%

Royal Bank of Scotland

44% 33% 60% 39% 44%

Marbles

48% 30% 55% 39% 43%

Aquis

46% 45% 44% 32% 42%

Ulster Bank

30% 17% 67% 47% 40%

Vanquis Bank

47% 36% 44% 32% 40%

More customer experience ratings