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.
These are our customer experience ratings from our Autumn 2026 batch, published 25 September 2026.
|
Brand
|
Customer happiness score
|
Customer trust score
|
Complaints
|
Transparency
|
Overall
|
|
|---|---|---|---|---|---|---|
|
Nationwide
|
69% | 76% | 74% | 80% | 75% |
|
|
Tesco Bank
|
66% | 61% | 84% | 72% | 71% |
|
|
First Direct
|
75% | 80% | 70% | 58% | 71% |
|
|
Chase
|
73% | 71% | 64% | 74% | 71% |
|
|
Marks & Spencer
|
66% | 65% | 76% | 73% | 70% |
|
|
Lloyds Bank
|
62% | 64% | 70% | 77% | 68% |
|
|
Barclaycard
|
62% | 62% | 71% | 78% | 68% |
|
Bank of Scotland
|
61% | 62% | 71% | 74% | 67% |
|
|
Virgin Atlantic
|
69% | 62% | 69% | 66% | 67% |
|
|
Halifax
|
59% | 60% | 71% | 76% | 67% |
|
|
MBNA
|
59% | 58% | 79% | 69% | 66% |
|
|
American Express
|
72% | 69% | 67% | 57% | 66% |
|
|
Santander
|
62% | 63% | 70% | 69% | 66% |
|
John Lewis
|
59% | 68% | 66% | 66% | 65% |
|
|
NatWest
|
60% | 60% | 67% | 71% | 65% |
|
|
TSB
|
59% | 59% | 73% | 66% | 64% |
|
|
Capital One
|
56% | 57% | 76% | 67% | 64% |
| Co-operative Bank | 61% | 63% | 65% | 63% | 63% | |
| Zopa | 51% | 51% | 74% | 73% | 62% | |
| Virgin Money | 55% | 52% | 69% | 70% | 62% | |
| Ocean Finance | 52% | 44% | 76% | 69% | 60% | |
| HSBC | 54% | 57% | 70% | 58% | 60% | |
| Amazon | 60% | 54% | 66% | 58% | 60% | |
| Royal Bank of Scotland | 53% | 51% | 66% | 68% | 60% | |
| Vanquis Bank | 51% | 47% | 69% | 71% | 60% | |
| Post Office | 52% | 48% | 75% | 63% | 60% | |
| Zable | 60% | 61% | 69% | 42% | 58% | |
| Aqua | 47% | 48% | 66% | 66% | 57% | |
| Asda Money | 49% | 48% | 66% | 65% | 57% | |
| Marbles | 45% | 41% | 66% | 62% | 54% | |
| Fluid | 51% | 57% | 37% | 69% | 53% | |
| AIB | 50% | 44% | 76% | 43% | 53% | |
| Coutts | 62% | 39% | 67% | 29% | 49% |
Customer experience ratings from our Autumn 2026 batch, published 25 September 2026