Rewards bank cards can result in factors for issues like free airline tickets or lodge stays, and a brand new report reveals those that vacationers love most.
American Categorical ranked as the highest issuer in general buyer satisfaction, in keeping with J.D. Energy’s 2025 U.S. Credit score Card Satisfaction Examine. That was adopted by Financial institution of America and Capital One. Chase Financial institution—which is understood for its in style Chase Sapphire Reserve card—together with Uncover and Wells Fargo ranked as the following three. Every of the highest six got here in above the trade common.
John Cabell, the managing director of funds intelligence at J.D. Energy, stated in an announcement will increase in general satisfaction are being pushed by “cardholders with increased monetary well being scores and no revolving debt—particularly these utilizing playing cards with factors/miles rewards packages and annual charge playing cards.”
On the alternative finish of the spectrum was Credit score One Financial institution, Premier Bankcard, and FNBO, which ranked because the lowest in general buyer satisfaction.
To find out its rankings, J.D. Energy surveyed greater than 37,000 bank card prospects between June 2024 and June 2025.
On the subject of the very best rewards bank cards with out annual charges, the Capital One Savor Rewards Card, the Citi Double Money card, and the Uncover It Scholar Money Credit score Card ranked as the best.
Amongst co-branded playing cards with out an annual charge, the Hilton Honors American Categorical card, the Costco Wherever Visa by Citi card, and the Apple Card took the highest three spots in general buyer satisfaction.
Many journey and rewards bank cards have annual charges to assist offset the quite a few perks and alternatives they supply to prospects. Inside this class, The Platinum Card from American Categorical took the highest spot, adopted by the Financial institution of America Premium Rewards Elite card, the American Categorical Gold Card, and the Chase Sapphire Reserve.
The playing cards could also be expensive (Chase simply raised its annual charge on the Reserve card to $795), however the perks may also be profitable for vacationers and consumers. American Categorical Platinum cardholders, for instance, obtain entry to greater than 1,400 airport lounges, $200 in annual Uber credit, and a $300 credit score to Equinox gyms, amongst different issues.
For frequent flyers, American Airways’ Citi/AAdvantage Government World Elite Mastercard was the highest ranked airline co-branded card.
However all these rewards did come at a price: greater than half of survey respondents have been described as “financially unhealthy” and carried bank card balances.
“There was a major enhance within the variety of financially unhealthy cardholders and people carrying revolving debt in early fielding of the research,” Cabell stated within the assertion.
Past bank cards, J.D. Energy additionally seems to be at different travel-related industries, together with the prime journey apps and web sites. In that 2023 rating, the corporate discovered Alaska Airways, Southwest Airways, and JetBlue had the best buyer satisfaction for airways, whereas World of Hyatt, Alternative Accommodations, and Hilton Honors took the highest spots for resorts.