Credit Cards With Best Customer Service [2025]: Cards That Put Customers First

With so many credit card options available, finding the right one for you may feel overwhelming. 

One factor that often gets overlooked when comparing cards is how well a credit card company treats its cardholders. Good customer service can make a huge difference when you're disputing a charge, replacing a lost card, or just trying to get a quick answer about your account.

Credit cards with the best customer service stand out not only for their benefits, but also for how satisfied customers are with the credit card issuer.

	Great for…	Annual fee	Intro offer	J.D. Power issuer score (study average: 612/1,000)
Blue Cash Preferred® Card from American Express	Earning cash back on groceries	$0 intro annual fee for the first year, $95 per year thereafter	0% APR for 12 months on purchases and balance transfers	643/1,000
Bank of America® Unlimited Cash Rewards credit card	Unlimited cash back	$0	0% APR for 15 billing cycles for any balance transfers made in the first 60 days on purchases and qualifying balance transfers	622/1,000
Capital One VentureOne Rewards Credit Card	Travellers	$0	0% APR for 15 billing cycles for any balance transfers made in the first 60 days on purchases and balance transfers (Balance transfer fee applies)	621/1,000
Chase Freedom Unlimited®(Rates and fees)	Foodies	$0	0% APR for 15 months on purchases and balance transfers	619/1,000
Wells Fargo Active Cash® Card(Rates and fees)	Cell phone protection	$0	0% APR for 12 months from account opening on qualifying balance transfers on purchases and qualifying balance transfers	615/1,000
Citi Double Cash® Card	Balance transfers	$0	0% APR for 15 billing cycles for any balance transfers made in the first 60 days on balance transfers	608/1,000

Blue Cash Preferred^® Card from American Express

If you want to earn cash back on everyday purchases like groceries, streaming subscriptions, and at the gas pump, American Express's Blue Cash Preferred is a great option. This cashback card gives you 6% cash back on U.S. supermarkets (for first $6,000 per year in eligible purchases, after that 1%) and on select U.S. streaming services. This is one of the highest cashback percentages offered by a credit card, however, cashback rewards on grocery purchases are capped at $6,000 per year.

The Blue Cash Preferred also provides 3% cash back on U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more). On all other eligible purchases, the card offers 1% cash back. The card also has an attractive introductory offer that includes 0% APR for 12 months on purchases and balance transfers, a $0 intro annual fee for the first year, $95 per year thereafter, and you can earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months.

When it comes to customer service, American Express ranks number one for customer satisfaction, according to J.D. Power.

Learn how to apply for the Blue Cash Preferred^® Card from American Express | Learn more in our American Express Blue Cash Preferred review

Bank of America^® Unlimited Cash Rewards credit card

With Bank of America's Unlimited Cash credit card, you can earn a flat cashback rate on all purchases, so there's no need to worry about some categories earning more than others. In the first year, you can earn cash back on . That rate drops to 2% on all purchases for the first year from account opening, but there are never any limits or caps on how much you can earn.

There is no annual fee for the BofA Unlimited Cash card. The introductory offer is 0% APR for 15 billing cycles for any balance transfers made in the first 60 days on purchases and qualifying balance transfers. You can also earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Bank of America ranked high for overall customer satisfaction in J.D. Power's 2025 survey, second only to American Express, making it a safe bet for quality customer service.

  Visit Bank of America^® Unlimited Cash Rewards credit card | Learn more in our Bank of America Unlimited Cash review

Capital One VentureOne Rewards Credit Card

Capital One's VentureOne Rewards card is one of the best travel credit cards for people who want to earn rewards points on their purchases that they can use to finance their next adventure. Capital One offers several Venture travel rewards cards, but the VentureOne card does not have an annual fee.

The tradeoff, however, is that the rewards points and perks you'll get with this card are less than those of the other Venture cards that have annual fees. VentureOne cardholders can earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

The introductory offer for VentureOne is 0% for 15 months on purchases and balance transfers (Balance transfer fee applies). And, enjoy $100 to use on Capital One Travel during your first cardholder year. Plus, earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening (limited time offer)

Capital One came in third in J.D. Power's 2025 study, rounding out the winners podium and demonstrating its standing among the credit card issuers providing the best customer service experience.

Learn more in our Capital One VentureOne Rewards review.

Chase Freedom Unlimited^®

Chase also ranks high for overall customer satisfaction, coming in second (just behind Capital One) in the 2025 J.D. Power survey. The issuer's Freedom Unlimited card is a good choice for a card that earns cash back and has no annual fee.

This card is specifically tailored to foodies who dine out regularly. It offers cash back on . The card earns 5% cash back on travel purchased through Chase Travel℠ and all other purchases earn 1.5% cash back.

The Chase Freedom Unlimited has a 15 months 0% introductory APR on purchases and balance transfers. Plus, you can earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Visit Chase Freedom Unlimited^®(Rates and fees) | Learn more in our Chase Freedom Unlimited review

Wells Fargo Active Cash^® Card

The Wells Fargo Active Cash credit card is another good option if you're looking to earn unlimited cash back on all your purchases. It offers 2% cash back on purchases, and has a $0 annual fee.

This card offers 0% APR on purchases and qualifying balance transfers for 12 months from account opening on qualifying balance transfers, which is a nice feature, but it's a shorter time frame than what some competitors provide. However, the Active Cash card offers benefits you may not find with other credit cards.

For one, this card comes with up to $600 of cell phone protection (subject to a $25 deductible)., which may come in handy if your phone is damaged or stolen. Other benefits include a car rental collision damage waiver, roadside assistance and travel emergency assistance services.

Wells Fargo ranks sixth, well within the top 10 of J.D. Power's 2025 survey, but its most notable customer service feature is its large footprint of brick-and-mortar branch locations.

Visit Wells Fargo Active Cash^® Card(Rates and fees) | Learn more in our Wells Fargo Active Cash review

Citi Double Cash^® Card

The Citi Double Cash card offers many of the same benefits as some of the other best cash back credit cards, like a $0 annual fee, an introductory cash bonus, and cash back on purchases. But what sets this card apart from the others is that it's one of the best balance transfer credit cards available.

The Citi Double Cash offers 18 months of 0% APR on balance transfers, exceeding the terms of many competitors. Unfortunately, this intro APR is available only on balance transfers, not purchases. Purchases have an APR of 17.99% - 27.99% (Variable), depending on your creditworthiness. That means, if you are not diligent about paying your balance off every month, the amount of interest you'll have to pay may negate any cash back you earn.

With the Citi Double Cash card, you can earn up to 2% on all purchases. However, the way this card rewards its Thank You points (Citi's cashback reward system) is more complicated than other cashback cards.

You earn 1% cash back on your purchase, with an additional 1% earned when you pay for the purchase. This is a bit more confusing than a card like the Wells Fargo Active Cash card, which just rewards 2% cash back on purchases.

Citi itself scored below the study average in the 2025 J.D. Power customer satisfaction survey. And while you may not get quite the level of service you'd get with an issuer like American Express, the value of the Double Cash card as both a means of paying down high-interest debt via balance transfer and earning cashback rewards makes it a strong choice.

Visit Citi Double Cash^® Card(Rates and fees) | Learn more in our Citi Double Cash review

What customer service features to look for in a credit card

When comparing the best credit cards, it's easy to focus on interest rates, rewards programs, or annual fees, but customer service is an equally important part of the equation. Strong customer support can help you resolve billing disputes, replace lost cards, and answer account questions quickly.

Every year, the consumer research firm J.D. Power releases its U.S. Credit Card Satisfaction Study, which ranks credit card companies based on their overall customer satisfaction. Companies at the top of the list are most likely to offer the best customer service. Other factors to consider include 24/7 phone availability, customer reviews, and whether it has one of the best banking apps.

FAQs

Bottom line

Choosing a credit card entails finding one that aligns with your lifestyle and spending habits.

If you travel often, consider a credit card with miles rewards that has no foreign transaction fees, such as the Capital One VentureOne Rewards card. If you have high-interest debt, a card like Citi Double Cash may be a good option because it offers a long intro APR on balance transfers.

Superior customer service is another important factor to consider when choosing a credit card. A strong customer service track record can be just as valuable as rewards or interest rates, especially when unexpected issues arise.

So, when comparing different credit cards, it's important to look not only at the perks but also at how the credit card company supports its customers to find the best credit card for you.

Cash Back at U.S. Supermarkets

Blue Cash Preferred^® Card from American Express

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Blue Cash Preferred^® Card from American Express

Learn How to Apply

See rates and fees | Terms Apply

Current Offer

Earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months

Annual Fee

$0 intro annual fee for the first year, $95 per year thereafter

Rewards Rate

6% cash back at U.S. supermarkets (for first $6,000 per year in eligible purchases, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and 1% cash back on other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout)

Benefits and Drawbacks

Benefits

• High cashback rates at U.S. supermarkets, U.S. gas stations, eligible transit, and U.S. streaming subscriptions (cash back is in the form of Reward Dollars that can be redeemed as a statement credit)
• Introductory APR for purchases and balance transfers
• Up to $10 monthly statement credit toward an eligible Disney bundle subscription (subject to auto renewal; enrollment required)

Drawbacks

• Cap on highest reward category limits what you can earn
• Welcome offer is a little lackluster compared to other cards
• Has foreign transaction fee

Card Details

• Earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months
• 6% cash back at U.S. supermarkets (for first $6,000 per year in eligible purchases, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and 1% cash back on other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout)
• Intro purchase 0% APR offer: 0% for 12 months then 19.99% - 28.99% Variable
• Terms apply