The Top-Rated Credit Cards in the US

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American Express has long been America’s favorite credit card company. But after seven years at the top, AmEx is now sharing the No. 1 spot with Discover.

The eighth annual J.D. Power survey found that overall credit card customer satisfaction is at an all-time high. When considering interaction, credit card terms, billing and payment, rewards, benefits and services, and problem resolution, consumers’ overall satisfaction with the 10 credit card companies in the survey came in at 778 out of 1,000 points.

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American Express and Discover tied, scoring 819 each. Chase was next with 789 points.

AmEx and Discover operate under two entirely different business models. While American Express offers 21 cards with different rewards and fees, Discover has just one card, offering cash-back rewards and no annual fee.

According to a press release:

“This is really a tale of two very different credit card companies that both excel at customer interactions,” said Jim Miller, senior director of banking services at J.D. Power. “American Express and Discover provide great personal service when customers call in and also make it easy for customers to manage their accounts online as well as by using mobile apps.”

One likely reason Discover moved from second place to tie with American Express for first place this year is that Discover has expanded its merchant reach. According to The Wall Street Journal:

Roughly 9.2 million locations in the U.S. accepted credit cards on the Discover network in 2013, up 2 percent from 2012 and up 24 percent from 2009, according to data from the Nilson Report, a payments-industry newsletter. The number of U.S. locations that accept Visa and MasterCard, which surpass Discover, increased 15 percent since 2009.

Here’s how the 10 credit card companies were ranked, starting at the top:

  • American Express, Discover (tie)
  • Chase
  • Barclaycard
  • U.S. Bank, Wells Fargo (tie)
  • Bank of America
  • Capital One
  • Citi
  • GE Capital Retail Bank

Nearly 20,000 credit card customers were interviewed for the survey.

What’s your favorite credit card company? Share your comments below or on our Facebook page.

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Comments & discussion

We welcome your opinions, but let’s keep it civil. Like many businesses, we reserve the right to refuse service to anyone. In our case, that means those who communicate by name-calling, racism, using words designed to hurt others or generally acting like an uninformed bully. Also, comments that include links to email addresses or commercial websites typically aren't posted. This isn't a place to advertise your business.

  • grandmaguest

    The ones that don’t have a membership or annual fees and offer some good incentives (rental car insurance/no foreign transaction fees/etc.) for using them. I have several cards (Visa/MC) but they are paid in full every month, so I am not as concerned with the APR, although mine are not very high. And I NEVER do a cash advance!

  • speaksthetruth

    I have a American express Blue card and a Discover. I love, love my Discover. I am a person to discover–and if I do well, they pay well. They are always increasing my limit without asking. American express hasn’t done that once. They are just the best. Love Discover.

  • Ron Sakulin

    Both American Express (AE) and Discover have limited acceptance in the United States and overseas. The fee that AE charges causes many merchants to refuse accepting their card. Discover, while it has no foreign transaction fee, is not recognized by merchants in many nations.