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Choosing the best credit card company for customer service can provide extra peace of mind if you plan on regularly using their concierge features or want hands-on help with managing your account. Let’s check on what individual cardholders had to say when weighing in on their favorite credit card issuers.

best credit card company
Paris, France, May 2016.

The Best Credit Card Company: American Express

Topping the list as the best credit card company is American Express. American Express receives top honors among national issuers in the 2022 J.D. Power Credit Card Satisfaction Study. The issuer had a rating of 848 out of 1,000 points.

Premium Travel Support

It may not come as much surprise as American Express competes for the top spot each year with its diverse credit card lineup, including a large selection of premium credit cards. The issuer offers 24/7 customer service.

For instance, The Platinum Card® from American Express offers many luxury travel benefits, including the dedicated Platinum Travel Service, where a travel consultant can provide personalized itineraries and recommendations. Cardholders can also call the Premium Global Assist Hotline when needing medical, legal, financial, or other select emergency assistance at least 100 miles away from home. Third-party service provider fees can still apply. While the annual fee is $695 (See Rates & Fees), it can be easily offset by the perks, which are valued at over $1,400!

The various American Express travel credit cards offer various benefits including travel credits, airport lounge access, and the ability to earn Membership Rewards® points which you can transfer to multiple airlines and hotels (usually on a 1:1 basis).

Related: Best American Express Credit Cards For Travel

No Preset Spending Limits

In addition to hands-on support, you may also like having a charge card without a preset spending limit, including the entry-level American Express® Green Card. A handful of personal and business cards have this flexible spending feature including:

The cards with a fixed spending limit are also a good option when the rewards and benefits pair well with your lifestyle or business needs.

Related: Why You Want To Get an American Express Credit Card


The Discover credit cards rank #2 on the best credit card company survey, scoring 841 out of 1,000 as one of the best credit card companies. This issuer is consistently one of the best finishers each year.

A leading reason is U.S.-based customer service that’s available by phone, internet, or mobile app.

Consumers also like the Discover it which earns up to 5% back on purchases, has rotating bonus categories, no annual fee, and no foreign transaction fee. The redemption options are also flexible, including statement credits. Additionally, the issuer matches all the rewards you earn during the first year.

Two additional reasons to consider Discover include:

  • Receive FICO® Credit Scores for free on monthly statements
  • Freeze or unfreeze your account quickly using the app or website


Chase ranks #4 in the 2022 best credit card company customer satisfaction study with a score of 813 out of 1,000. This rating is one point below the study’s segment average for national issuers.

The issuer offers 24/7 support. Additionally, you can easily manage your account online or by using the Chase Bank mobile app. For example, you can send secure online messages within your member dashboard and receive quick responses.

This card also has an impressive credit card portfolio with in-house and co-branded relationships that we’re exploring more below. However, one potential downside is the Chase 5/24 limit which can make it challenging to qualify if you have opened several new credit cards recently.

Chase Ultimate Rewards

Several Chase credit card families earn Chase Ultimate Rewards® points:

Your points will be most valuable with the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® as these products have a travel redemption bonus. Your points are worth 25% more (1.25 cents) or 50% more (1.5 cents) when booking award trips through Chase Travel℠.

Sapphire cardmembers can also enjoy exclusive access to sponsored events such as sports tournaments, culinary festivals, and entertainment events.

Co-Branded Credit Cards

Chase also has an impressive lineup of branded travel credit cards with leading airline and hotel loyalty programs:

Amazon shoppers can also receive a co-brand card to earn more rewards when shopping at or Whole Foods.

Related: Is Chase Bank Good For Opening An Account With?

Capital One

Capital One had a rating of 812 out of 1,000 points which is near the segment average for national issuers.

Cardholders can receive 24/7 support, easily manage their account online or through the mobile app, and enjoy no redemption minimum when redeeming credit card points for cash or travel. Capital One can be the best credit card company if you travel abroad since none of their cards charge foreign transaction fees.

This institution is making great strides in offering more luxury travel benefits.

Related: Best Capital One Cards for Travel & Rewards

Premium Credit Card

First, the Capital One Venture X Rewards Credit Card is an affordable premium credit card with a $395 annual fee and up to four free secondary cards.

Cad benefits include:

  • Annual $300 Capital One Travel statement credit
  • Airport lounge access
  • Global Entry or TSA PreCheck application fee reimbursement
  • Earn up to 10x Capital One Miles on travel purchases
  • Receive 10,000 bonus miles on each card anniversary

Cardholders can also receive experience credits at a curated portfolio of luxury hotels and resorts in the Premier Collection.

Related: What Credit Score Do You Need for the Capital One Venture X?

Capital One Lounge

Airport lounge membership has gained popularity in recent years as more people take to the skies and want to relax and reenergize before their next flight.

The Capital One Lounge network is still small with one location open in Dallas-Ft. Worth (DFW). Locations are also opening soon at Denver (DEN) and Washington-Dulles (IAD).

Related: What Card Gets Airport Lounge Access?


Citi is another top performer in the best credit card company survey, scoring 808 out of 1,000. The issuer has a commendable selection of cash back and travel rewards credit cards. Customer support can be reached 24/7. You may also appreciate working with a national bank with consumer banking accounts too.

Related: Best Citi Credit Cards for Travel

ThankYou Points

For example, the Citi Premier is the issuer’s flagship travel credit card. It earns Citi ThankYou points, has 1:1 point transfers to airlines, and an annual $100 hotel savings benefit.

American Airlines

The card issuer also offers several American Airlines credit cards that help passengers earn AAdvantage miles, get free checked bags, and unlock other airline benefits.

One card to pay attention to is the Citi® / AAdvantage® Executive World Elite Mastercard®, which offers complimentary Admirals Club access. Cardholders can also enjoy statement credits with participating travel brands.

Related: The Best Airline Miles Credit Cards

The Best Credit Card Company: Honorable Mentions

Several midsize issuers are also worth considering. Existing banking customers are more likely to apply for these products:

  • Navy Federal Credit Union (876 out of 1,000 points)
  • Goldman Sachs (843 out of 1,000)
  • TD Bank (808 out of 1,000)
  • Fifth Third (806 out of 1,000)
  • PNC (806 out of 1,000)

Related: What Is The Best Card To Use While Traveling?


In conclusion, finding the best credit card company to do business with can help you feel more confident when choosing a card. Researching bank ratings is an excellent comparison factor in addition to the most valuable benefits of the best travel credit cards. You may consider issuers that offer multiple premium credit cards which tend to offer personalized service to help reward customers.

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For rates and fees of The Platinum Card® from American Express, please click here.

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