Credit cards

Start your search for good value credit cards by taking a look at Fairer Finance's latest 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 score
Customer
trust score
Complaints
performance
Transparency
rating
Customer Experience rating

What does this mean?

What does this mean?

What does this mean?

What does this mean?

Gold

Nationwide

Nationwide
68% 68% 71% 80% 71%
Gold

Zopa

Zopa
66% 69% 69% 76% 70%
Gold

Bank of Scotland

Bank of Scotland
64% 63% 69% 77% 68%
Gold

Halifax

Halifax
62% 59% 69% 77% 67%
Gold

Tesco Bank

Tesco Bank
68% 58% 79% 60% 66%
Silver

American Express

American Express
75% 67% 63% 53% 65%
Silver

Lloyds Bank

Lloyds Bank
60% 56% 69% 72% 64%
Silver

Barclaycard

Barclaycard
61% 55% 64% 75% 64%
Silver

First Direct

First Direct
74% 70% 60% 51% 64%
Silver

MBNA

MBNA
57% 51% 72% 73% 63%
Silver

Marks & Spencer

Marks & Spencer
64% 60% 67% 62% 63%
Bronze

Co-operative Bank

Co-operative Bank
59% 57% 61% 73% 62%
Bronze

John Lewis

John Lewis
63% 65% 64% 57% 62%
Bronze

Santander

Santander
62% 58% 60% 66% 61%

British Airways

63% 57% 63% 58% 60%

Smile

59% 51% 61% 70% 60%

Capital One

54% 48% 69% 67% 60%

Virgin Atlantic

66% 51% 62% 60% 60%

Sainsbury's

64% 55% 73% 46% 59%

Virgin Money

56% 53% 62% 67% 59%

NatWest

61% 56% 58% 61% 59%

Aqua

55% 49% 64% 60% 57%

Vanquis Bank

51% 46% 68% 62% 57%

HSBC

58% 55% 60% 54% 57%

Ocean Finance

47% 42% 69% 65% 56%

Asda Money

49% 44% 62% 67% 56%

Royal Bank of Scotland

51% 46% 61% 63% 55%

Metro Bank

54% 42% 59% 64% 55%

Post Office

51% 44% 69% 54% 55%

TSB

51% 50% 67% 46% 54%

Marbles

39% 33% 64% 62% 50%

Coutts

36% 29% 58% 58% 45%

AIB

36% 33% 70% 40% 45%

Cashplus

22% 29% 64% 50% 41%

More customer experience ratings