The Ultimate Guide to Credit Cards
Wednesday, February 26, 2020

12 Credit Cards with the Best Customer Service

12 Credit Cards with the Best Customer Service

credit card advice

Anna Baluch
By: Anna Baluch
Posted: January 21, 2020
Advertiser Disclosure

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.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

Discover it® Cash Back offers a variety of benefits without charging an annual fee. Since it’s a bonus category card, you can earn 5% cash back on purchases in various categories when activated each quarter up to the quarterly maximum, plus an unlimited 1% cash back on all other purchases.

Also, Discover will match all the cash back you’ve earned at the end of your first year. Rewards don’t expire so you can redeem them whenever you’d like. The 5% spending categories must be activated each quarter, and rewards are subject to spending maximums.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.49% - 24.49% Variable
$0
Good/Excellent

With the Discover it® Balance Transfer card, you get 0% APR on all transfers for a long promotional period. You’ll also earn 5% cash back on select quarterly categories that you activate, up to the quarterly maximum, and 1% unlimited cash back on other purchases.

There’s no annual fee, and Discover will match all the cash back you’ve earned after your first year. Best of all, there is no limit to how much is matched, and you won’t have to do anything other than keep the card open for one year to receive the extra cash.

Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

The Discover it® Miles card will give you an unlimited 1.5X miles for every $1 you spend. You can use the miles to pay for airfare, lodging, rental cars, and other travel purchases.

At the end of your first year, Discover will automatically match all the miles you earned. Miles can also be redeemed for cash. The Discover it® Miles card also offers a 0% APR on all purchases for a promotional period.

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 ExpressThe 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 ExpressKnown 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 CardThe 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.

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

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.

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ leading travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
14.49% - 24.49% (Variable)
$0
Excellent, Good

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.

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.49% - 25.49% (Variable)
$0
Excellent, Good

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 $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 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
  • No minimum to redeem for cash back
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
16.49% - 25.24% 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 16.49 - 25.24%.
  • 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
16.49% - 25.24% 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®
  • 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
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% 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.