Credit cards

Start your search for good value credit cards by taking a look at Fairer Finance's autumn 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% 75% 74% 51% 69%
Gold

Smile

Smile
65% 59% 65% 70% 65%
Gold

Nationwide

Nationwide
70% 65% 76% 40% 63%
Gold

Tesco Bank

Tesco Bank
65% 51% 82% 51% 62%
Gold

Halifax

Halifax
56% 49% 83% 60% 62%
Gold

John Lewis

John Lewis
75% 72% 63% 36% 62%
Gold

American Express

American Express
70% 62% 72% 42% 61%
Gold

Bank of Scotland

Bank of Scotland
50% 46% 83% 62% 60%
Gold

British Airways

British Airways
63% 62% 72% 44% 60%
Gold

Co-operative Bank

Co-operative Bank
57% 49% 65% 68% 60%
Silver

Lloyds Bank

Lloyds Bank
55% 47% 78% 52% 58%
Silver

Virgin Money

Virgin Money
60% 48% 79% 42% 57%
Silver

MBNA

MBNA
55% 43% 84% 46% 57%
Silver

Yorkshire Bank

Yorkshire Bank
62% 51% 66% 47% 56%
Bronze

Barclaycard

Barclaycard
57% 46% 70% 43% 54%
Bronze

Santander

Santander
61% 52% 63% 39% 54%

Marks & Spencer

63% 55% 62% 33% 53%

HSBC

53% 45% 74% 39% 53%

Sainsbury's

63% 48% 59% 38% 52%

Amazon

58% 58% 55% 37% 52%

Capital One

50% 40% 69% 46% 51%

NatWest

54% 45% 59% 42% 50%

Clydesdale Bank

47% 40% 66% 45% 49%

Bank of Ireland (UK)

55% 41% 65% 35% 49%

Aqua

51% 42% 55% 44% 48%

Royal Bank of Scotland

47% 36% 62% 47% 48%

Debenhams

48% 45% 55% 43% 48%

Asda Money

57% 45% 53% 33% 47%

TSB

55% 47% 38% 47% 47%

Aquis

49% 57% 40% 28% 44%

Vanquis Bank

44% 34% 40% 36% 39%

Marbles

26% 20% 55% 37% 35%

More customer experience ratings