Online Credit Card Scorecard Reviews 10 Top Issuer Websites for Cardholder Engagement

Bank of America and U.S. Bank lead the way among large credit card issuers in terms of providing exceptional online experiences to their customers, according to a new study from competitive intelligence firm Keynova Group. 

The two financial institutions tied for first place in the Keynova Group’s 2025 Online Credit Card Scorecard, which examines 10 leading credit card issuers in the U.S. The other issuers included in the analysis are American Express, Barclays US, Capital One, Chase, Citibank, Discover, PNC, and Wells Fargo.

Credit card issuers extend introductory offers, rewards programs, and unique card designs to entice cardholders to use their cards and use them often. But the bells and whistles an issuer offers to customers may not lead to more new accounts and increased spending levels if the issuer’s website doesn’t provide an engaging user experience.

An issuer’s online portal must be robust to allow cardholders to not only stay on top of their account activity, but to access features that help them manage their finances.

“Issuers are continuing a focus on integrating information and actions to eliminate points of friction for current and prospective cardholders, while also engaging cardholders to play a meaningful role in managing and monitoring their card accounts and credit scores,” Beth Robertson, Managing Director of Keynova Group, said in a press release.

The report from Keynova Group highlights key areas where credit card issuers bring value to cardholders through online experiences.

Streamlining Processes: Digital platforms can incorporate features that save users time. Think of the efficiencies that online bill pay programs have brought to consumers. These services eliminate the need to fill out a remittance coupon, write a check, and stamp and address an envelope to fulfill a bill payment obligation. 

The Keynova Group study revealed that almost half of issuers combine soft-credit preapprovals with applications to reduce the time it takes to get a new credit card into the hands of a customer.

And 60% of issuers included in the study allow consumers to add their cards to a digital wallet, bringing relief to those who can’t wait for their new card to arrive in the mail.

Nearly all issuers examined in the study provide cardholders with detailed transaction information in an online environment to help cardholders identify purchase data more efficiently.

Safeguarding Digital Accounts: In a payments ecosystem that is increasingly beset by fraud, cardholders need to be able to access their accounts at all times to track payment activity for signs of bad-actor interference. 

The study noted U.S. Bank’s dashboard that empowers cardholders to track the status of disputes, requests to increase credit limits, and alterations to customer information. 

Consumers can monitor their credit card account activity online to detect instances of fraud.

Credit card issuers are also helping cardholders detect instances where an unauthorized user gained access to their online credit card portal by providing data about their last login. Almost 75% of issuers included in the study provide that feature.

“Issuers are also providing helpful lists of all merchants storing a consumer’s card data or records of organizations with data-sharing access to their card account,” Robertson told us. “This can help users identify and manage who has access to a cardholder’s confidential information.”

Credit Profile Enhancements: Many issuers allow cardholders to access their credit scores within online platforms. But not everyone understands what causes a credit score to fluctuate and the strategies they can implement to improve their score.

Five of the 10 issuers included in the Keynova Group study provide recommended steps cardholders can take to raise their scores, and 40% provide simulations that allow a user to evaluate the effects that different financial moves can have on their credit score.

Credit card issuers looking to win new customers need to offer a product that is secure and easy to use. And a best-in-class online experience can play a significant role in helping a cardholder manage their finances.

“Empowering cardholders with these user-friendly capabilities enhances the issuer-cardholder relationship and adds value to the digital credit card experience,” Robertson said.