American Express is ranked highest in overall customer satisfaction for credit cards, according to J.D. Power's 2025 study, followed by Bank of America and Capital One. Cardholders with better financial health and no revolving debt tend to report higher satisfaction, especially when using rewards programs. Capital One Savor Rewards, Citi Double Cash, and Discover It Student Cash ranked highest among rewards cards without annual fees. The Platinum Card from American Express leads among those with annual fees, highlighting the balance between costs and perks in travel and rewards credit cards.
According to the J.D. Power's 2025 U.S. Credit Card Satisfaction Study, American Express ranked as the top issuer in overall customer satisfaction, followed by Bank of America and Capital One.
John Cabell noted that increases in satisfaction are driven by cardholders with higher financial health scores, no revolving debt, and those using points/miles rewards programs.
Capital One Savor Rewards Card, Citi Double Cash card, and Discover It Student Cash Credit Card ranked highest among rewards credit cards without annual fees.
The Platinum Card from American Express was ranked the best among cards with annual fees, with other top contenders including Bank of America Premium Rewards Elite and Chase Sapphire Reserve.
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