You can also get Rewards credit cards can lead to points A new survey reveals that travelers are most interested in free hotel stays or airline tickets.
American Express is the most popular credit card in terms of overall customer satisfaction. according to J.D. Power’s 2025 U.S. Credit Card Satisfaction Study. Then came Bank of America, and Capital One. Chase Bank—which is known for its popular Chase Sapphire Reserve card—along with Discover and Wells Fargo ranked as the next three. Each of these six banks ranked above the industry’s average.
John Cabell, managing director of J.D. Power, said in a statement increases in overall satisfaction are being driven by “cardholders with higher financial health scores and no revolving debt—especially those using cards with points/miles rewards programs and annual fee cards.”
Credit One Bank, Premier Bankcard and FNBO were ranked at the bottom of the customer satisfaction scale.
J.D. Power interviewed more than 37,000 customers of credit cards between June 2020 and June 2025.
Capital One Savor rewards card, Citi Double Cash Card and Discover It Student Cash Card are the top three best credit cards for rewards without annual fees.
The Hilton Honors American Express Card, the Costco Anywhere Visa Card by Citi, and the Apple Card ranked first, second, and third in customer satisfaction among co-branded credit cards that do not charge an annual fee.
Annual fees are charged by many travel and reward credit cards to offset the benefits and opportunities that they offer to their customers. This category includes: The Platinum Card from American Express The Bank of America Premium Rewards card, American Express Gold Card and Chase Sapphire Reserve were all in the running for the first place.
It is possible that the cards are expensive. raised its annual fee on the Reserve card Travelers and shoppers can also benefit from the benefits. American Express Platinum cardholders receive, for instance, access to over 1,400 airport lounges and $200 in Uber credits annually, as well as a $300 Equinox credit.
American Airlines’ Citi/AAdvantage Executive World Elite Mastercard is the best airline co-branded credit card for frequent travelers.
But these rewards came with a price. More than half the respondents in our survey were described by us as having “financially unhealthy”, and they had credit card balances.
Cabell’s statement said that there was an increase in the numbers of cardholders with revolving loans and those with a financial health problem.
J.D. Power looks at the travel industry as a whole, including airlines and hotels. top travel apps and websites. The company’s 2023 ranking found that Alaska Airlines, Southwest Airlines and JetBlue were the airlines with the highest levels of customer satisfaction, while World of Hyatt Hotels, Choice Hotels and Hilton Honors were the hotels at the top of the list.
