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	Customer trust	Complaints performance	Transparency rating	Customer Experience rating
Brand	What does this mean?	What does this mean?	What does this mean?	What does this mean?	Customer Experience rating
Nationwide	68%	68%	70%	74%	70%
Bank of Scotland	61%	63%	72%	75%	68%
Tesco Bank	68%	58%	80%	63%	67%
Halifax	61%	58%	72%	76%	67%
Lloyds Bank	60%	57%	72%	72%	65%
American Express	74%	67%	66%	51%	65%
MBNA	59%	50%	75%	74%	64%
Barclaycard	61%	55%	65%	72%	63%
Argos	69%	67%	60%	56%	63%
First Direct	70%	68%	59%	53%	63%
Co-operative Bank	62%	61%	62%	65%	63%
Virgin Atlantic	63%	55%	66%	65%	62%
Smile	63%	58%	62%	65%	62%
John Lewis	65%	66%	62%	56%	62%
Marks & Spencer	62%	59%	70%	57%	62%
Sainsbury's	65%	56%	75%	47%	61%
Virgin Money	55%	54%	66%	65%	60%
NatWest	60%	59%	60%	58%	60%
Post Office	55%	53%	68%	57%	58%
Santander	60%	56%	61%	56%	58%
Capital One	53%	48%	68%	63%	58%
British Airways	59%	53%	66%	51%	57%
Vanquis Bank	49%	46%	67%	60%	56%
HSBC	57%	54%	59%	52%	55%
Metro Bank	62%	43%	59%	57%	55%
Royal Bank of Scotland	50%	45%	63%	62%	55%
Ocean Finance	49%	38%	68%	62%	54%
Aqua	55%	45%	64%	53%	54%
TSB	50%	48%	68%	49%	54%
Marbles	39%	33%	64%	55%	47%
AIB	38%	32%	69%	39%	44%