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.
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American Express Tops the Customer Service Rankings
American Express leads the way in customer service, according to J.D. Power’s 2024 U.S. Credit Card Satisfaction Study. The study surveyed 38,852 credit card owners between June 2023 and June 2024.
American Express and the other credit card issuers in the study were ranked by their customer satisfaction scores, which were based on a 100-point scale. American Express again outpaced all other issuers with a customer satisfaction score of 634.
2024’s Best Credit Card Issuers
Overall Customer Satisfaction Index Ranking (Based on a 1,000-point scale)
Credit Card Issuer | Score |
---|---|
American Express | 634 |
Discover | 629 |
Capital One | 620 |
Chase | 619 |
Bank of America | 616 |
Citi | 611 |
Wells Fargo | 598 |
U.S. Bank | 595 |
TD Bank | 586 |
Fifth Third | 574 |
FNBO | 573 |
PNC | 571 |
Truist | 566 |
Merrick Bank | 561 |
Premier Bankcard | 540 |
Credit One Bank | 522 |
Brands Not Rank Eligible Because They Don’t Meet Study Award Criteria | |
Navy Federal | 656 |
USAA | 650 |
Barclays | 592 |
Source: J.D. Power 2024 U.S. Credit Card Satisfaction Study
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.
- Earn 80,000 Membership Rewards® points after you use your new card to make $8,000 in purchases in your first 6 months of Card Membership
- Earn 5X Membership Rewards® points for flights booked directly through airlines or American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
- $200 annual hotel credit, $200 annual airline fee credit, $15 monthly Uber cash credit, $50 bi-annual Saks Fifth Avenue credit, and more.
- Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection®, including 1,400 airport lounges across 140 countries.
- Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
- Choose among three card designs
Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
---|---|---|---|---|
N/A
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N/A
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20.24% – 29.24% Pay Over Time
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$695
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Excellent
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- Earn 60,000 Membership Rewards® points after you spend $6,000 on purchases on your new card in your first 6 months of card membership.
- Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants on up to $50,000 per year in purchases, including takeout and delivery, 3X points on flights when booked directly with airlines or on amextravel.com, and 2X points on prepaid hotels and other eligible travel purchases, booked through AmexTravel.com. All other eligible purchases earn 1X point.
- No foreign transaction fees
- Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at participating partners. This can be an annual savings of up to $120. Enrollment required.
- Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100 credit towards eligible charges.
- $325 Annual Fee
Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
---|---|---|---|---|
N/A
|
N/A
|
20.24% – 29.24% Pay Over Time
|
$325
|
Excellent
|
- Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your Card within the first 3 months of card membership
- Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
- Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
- Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
- Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card® Account.
- $695 Annual Fee
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
|
Credit Needed
|
---|---|---|---|---|
N/A
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N/A
|
18.49% – 27.49% Pay Over Time
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$695
|
Excellent
|
See more American Express credit cards
Discover Stays Steady in Second
In 2023, Discover and Bank of America tied for second in customer satisfaction with 629 points. In 2024, Discover stayed at 629 while both American Express and Bank of America slipped.
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.
Bank of America cardholders also have plenty of support options, including dedicated customer service resources for a variety of topics. The issuer also has a digital assistant named Erica available in its app that can quickly answer questions and get you to a Bank of America specialist if needed.
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.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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---|---|---|---|---|
0% Intro APR for 15 months
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0% Intro APR for 15 months
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18.24% – 27.24% Variable APR
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$0
|
Excellent/Good
|
- UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
- 0% intro APR for 15 months on purchases. Then 18.24% – 27.24% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Discover is accepted at 99% of places that take credit cards nationwide.
- Terms and conditions apply.
Intro (Purchases)
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Intro (Transfers)
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Regular APR
|
Annual Fee
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Credit Needed
|
---|---|---|---|---|
0% Intro APR for 15 months
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0% Intro APR for 15 months
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18.24% – 27.24% Variable APR
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$0
|
Excellent/Good
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- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- No annual fee.
- Terms and conditions apply.
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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---|---|---|---|---|
0% Intro APR for 6 months
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0% Intro APR for 18 months
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18.24% – 27.24% Variable APR
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$0
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Excellent/Good
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See more Discover credit cards
Capital One, Chase, and Bank of America Follow
Capital One earned third place with 620 points, Chase earned 619, and Bank of America rounded out the top five in J.D. Power’s survey with 616 points.
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.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X 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
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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---|---|---|---|---|
0% for 15 months
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0% for 15 months
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19.24% – 29.24% (Variable)
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$0
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Excellent, Good
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- Earn a one-time $200 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
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- 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 and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
|
---|---|---|---|---|
0% for 15 months
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0% for 15 months
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19.24% – 29.24% (Variable)
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$0
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Excellent, Good
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- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
|
---|---|---|---|---|
N/A
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N/A
|
19.99% – 29.24% (Variable)
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$95
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Excellent, Good
|
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.
- Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Intro (Purchases)
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Intro (Transfers)
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Regular APR
|
Annual Fee
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Credit Needed
|
---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
18.99% – 28.49% Variable
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$0
|
Good/Excellent
|
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
---|---|---|---|---|
N/A
|
N/A
|
20.49% – 27.49% Variable
|
$95
|
Good/Excellent
|
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
---|---|---|---|---|
N/A
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N/A
|
21.49% – 28.49% Variable
|
$550
|
Good/Excellent
|
Best Bank of America Cards
Bank of America offers a wide variety of credit cards that cater to consumers of different financial backgrounds. And its stellar support extends to every cardholder, no matter their experience level.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% – 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% – 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Low $95 annual fee.
- Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
---|---|---|---|---|
N/A
|
N/A
|
20.24% – 28.24% Variable APR on purchases and balance transfers
|
$95
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
See more Bank of America 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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