The Ultimate Guide to Credit Cards
Monday, August 10, 2020

12 Credit Cards with the Best Customer Service

Credit Cards With The Best Customer Service

credit card advice

Anna Baluch
By: Anna Baluch
Updated: April 11, 2020

Many people choose a credit card for its great rewards program or signup bonus. But what they often forget to consider is its customer service.

By opting for credit cards with the best customer service, you can get your issues or questions addressed right away. You can also ensure you’re making the most out of their rewards program and taking full advantage of their benefits.

Credit cards that make good customer service a priority will take good care of you so you remain a customer. Let’s dive deeper into the credit cards with the best customer service.

Discover | Amex | Capital One | Chase

Discover Tops the Customer Service Rankings

Discover leads the way in customer service, according to J.D. Power’s 2019 U.S. Credit Card Satisfaction Study. The study surveyed 28,236 credit card owners between September 2018 and June 2019.

Discover and the other credit card issuers in the study were ranked by their customer satisfaction scores, which were based on a 100-point scale. Discover’s customer satisfaction score was 842 — the highest among issuers for the fifth time in six years.

J.D. Power 2019 U.S. Credit Card Satisfaction Study

Discover’s CEO, Robert Hochschild, states that the key to Discover’s exceptional customer service is the technology the company continues to invest in. If you have a Discover credit card, you can reach out to customer service by phone or email 24 hours a day, seven days a week.

Discover also offers a Credit Resource Center you can use to learn more about Discover’s rewards and cardholder benefits. In addition, the Credit Resource Center offers a breakdown of the credit card types available so you can choose the right one.

Best Discover Cards

Some Discover cards are ideal for cash back rewards while others are intended for balance transfers and air miles. No matter which card you choose, you can expect unparalleled customer service.

1

Discover it® Cash Back

This card is currently not available.

Discover® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Discover it® Cash Back offers a variety of benefits. Since it’s a bonus category card, you can earn bonus cash back on purchases in various categories. The bonus spending categories must be activated each quarter, and rewards are subject to spending maximums. Rewards don’t expire so you can redeem them whenever you’d like.

2

Discover it® Balance Transfer

This card is currently not available.

Discover® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

With the Discover it® Balance Transfer card, you will enjoy an introductory APR on all transfers for a long promotional period. You’ll also earn bonus cash back on select quarterly categories that you activate, up to the quarterly maximum.

3

Discover it® Miles

This card is currently not available.

Discover® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Discover it® Miles card will give you miles rewards for every $1 you spend. You can use the miles to pay for airfare, lodging, rental cars, and other travel purchases.

See more Discover credit cards.

American Express Comes in a Close Second

American Express ranked second for customer satisfaction with 838 points, just behind Discover.

American Express offers a Help Center that provides answers to common questions on topics like account management, benefits and rewards, and security and fraud. Its Help Center also includes how-to videos to show you how to make a payment, how to replace a lost or stolen card, and how to use rewards points.

If you don’t find what you’re looking for in the Help Center, you can contact American Express via phone, email, or chat.

Best American Express Cards

In addition to great customer service, American Express cards come with some noteworthy cash back rewards and travel benefits. Consider your unique lifestyle and spending habits before choosing one.

4. Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card offers 6% cash back on purchases you make at grocery stores and select streaming subscriptions. You’ll also get 3% cash back for gas station and transit purchases plus 1% cash back on everything else.

While the card charges an annual fee, it’s worth it if you tend to spend a lot of money on groceries each month. In addition to its generous cash back rewards, the Blue Cash Preferred® Card comes with a 0% intro APR on purchases and balance transfers for 12 months.

5. The Platinum Card® from American Express

Platinum Card® from American Express

Known as a leading travel rewards card, The Platinum Card® pays 5X Membership Rewards® points for every $1 you spend on flights and hotels. It also grants you Elite status with Marriott and Hilton hotels so you can enjoy late checkouts, free Wi-Fi, and more.

You can also access more than 1,000 airport lounges, including Amex Centurion Lounges. While the card charges a hefty $550 annual fee, the perks it offers make it well worth it for frequent travelers.

6. Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

The Amex EveryDay® Preferred Credit Card shines with its category spending bonuses. You can earn 3 points per $1 spent at grocery stores and 2 points per $1 spent at gas stations. You’ll get 1 point per $1 on all other purchases.

If you use the Amex EveryDay® Preferred Card to make at least 30 purchases in a billing period, you’ll enjoy 50% extra points on all of them. Therefore, your rewards rates will significantly increase if you meet the transaction threshold each month.

Followed by Capital One and Chase, Respectively

Capital One and Chase both tied for third place in J.D. Power’s survey, earning 807 points each.

The Support Center on Capital One’s website offers a search function and plenty of articles on topics that include reporting fraud and redeeming credit card rewards.

Chase offers a Credit Card Resource Center with tools to help you manage your Chase credit cards. The resource center contains answers to frequently asked questions, a glossary of common terms, and a self-service toolkit.

You can use the self-service toolkit to do things such as set up automatic payments or manage account alerts. If you don’t find what you’re looking for in the resource center, you can call its customer service phone number 24/7/365.

Best Capital One Cards

Several Capital One cards reward you with cash back and miles for everyday purchases. Fortunately, all these cards come with unlimited access to the Capital One Support Center and customer service line.

7

Capital One® Venture® Rewards Credit Card

This card is currently not available.

Capital One® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Venture® Rewards Credit Card offers a generous signup bonus that can be used toward travel purchases. All you must do is spend a certain amount within three months from the day you open your account.

You can also score 2X miles on every purchase and use them to pay for airfare, hotels, and other travel expenses. There’s no limit to how many miles you can earn, and they won’t expire as long as you remain an account holder in good standing.

8

Capital One® VentureOne® Rewards Credit Card

This card is currently not available.

Capital One® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® VentureOne® Rewards Credit Card doesn’t charge an annual fee and offers 1.25X miles on all purchases. If you’d like, you can transfer your miles to over 12 of the top travel loyalty programs.

In addition, the Capital One® VentureOne® Rewards Credit Card comes with a 0% APR on all purchases for a promotional period. There’s also a one-time bonus offer and no foreign transaction fees.

9

Capital One® Quicksilver® Cash Rewards Credit Card

This card is currently not available.

Capital One® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

If you’d like to earn an unlimited 1.5% cash back on every purchase, the Capital One® Quicksilver® Cash Rewards Credit Card fits the bill. It’s a simple card because there are no rotating categories or activations required.

Aside from its simplicity, the Capital One® Quicksilver® offers a promotional 0% APR on purchases and balance transfers. There’s no annual fee, and you can earn a one-time bonus if you spend a certain amount within three months of opening your account.

See more Capital One credit cards.

Best Chase Cards

Chase credit cards are designed to meet the needs of all types of customers. Whether you’re an avid traveler or looking for some extra cash, there’s a Chase card for you. Each Chase card is backed by superior customer service.

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.
  • No minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

With the Chase Freedom Unlimited®, you’ll get an unlimited 1.5% cash back on all purchases. The card also offers a 0% intro APR on purchases and balance transfers.

If you transfer a balance during the initial 60 days your account is open, you will have to pay a balance transfer fee. The cash back rewards you earn will never expire as long as you keep your account open, and there’s no annual fee.

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
14.99% - 23.74% Variable
$0
Good/Excellent

The Chase Freedom® gives you 5% cash back on up to $1,500 in combined bonus categories every quarter you activate. On all other purchases, you can enjoy 1% cash back automatically.

You don’t have to pay an annual fee and can earn a cash bonus if you meet a certain spending threshold within your first three months from opening your account. The Chase Freedom® also comes with a 0% intro APR on purchases and balance transfers.

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent

Known as Chase’s premium travel card, the Chase Sapphire Reserve® offers 3X points for travel and restaurant purchases. You’ll get 1X points for all other purchases.

The Chase Sapphire Reserve® also gives a $300 annual travel credit and up to $100 every four years for TSA Pre√® or Global Entry fee reimbursement. In addition, you can access a network of airport lounges with free food and drinks as soon as you activate the card.

See more Chase credit cards.

A Variety of Cards Offer Excellent Customer Service

Even though customer service may not be the first thing you consider when shopping for a credit card, it’s important. You want a credit card that’s backed by a company that’ll be there for you any time you have a question or concern.

By choosing one of these credit cards with the best customer service, you can enjoy the peace of mind of knowing your credit card issuer values you. They’ll go above and beyond to help you and resolve issues if your account is compromised.

As you can see, a variety of credit cards offer excellent customer service, and you’re sure to find one that meets your lifestyle and preferences.

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