$1.21 trillion in US credit card debt.
Source: Federal Reserve, Q4 2024
Make sure your issuer is working for you, not against you.
Credit Cards Complaint Rates
Every US credit card issuer ranked by CFPB complaint rate per 1,000 customers - normalised so you can compare Capital One, Discover, Synchrony and Chase fairly regardless of size.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. #1 = the institution with the highest complaint rate per customer in this category. Hover the i icons in the column headers for an explanation of each metric.
Some of the worst offenders are store-branded cards issued by companies like Synchrony Financial, which powers cards for Amazon, PayPal and Google. Normalising by customer count reveals the true picture. Read our full methodology →
A high complaint rate means when fraud hits your account, you are more likely to spend weeks fighting for your own money.
When a fraudulent charge appears on your statement, when you are double-billed, or when a promised refund never arrives - your card issuer's complaint rate predicts what happens next. At the worst-rated issuers, customers wait 60+ days for resolution and are denied relief over 70% of the time. At the best-rated issuers, the same disputes are resolved in under 15 days with relief granted in 95%+ of cases. Same problem. Completely different experience.
Switching your credit card takes under 10 minutes online. Keep your old card open so your credit score is unaffected. Many top-rated issuers will pay you $200-$500 in sign-up bonuses to make the switch.
- ✓The best-rated issuers resolve fraud disputes in under 15 days - the worst take 60+
- ✓Top-rated issuers grant relief in 95%+ of cases vs under 30% at the worst
- ✓Keeping your old card open means zero credit score impact from switching
- ✓Many top-rated issuers offer $200-$500 sign-up bonuses - you get paid to switch
These institutions handle complaints the best in this category. Click any name to see their full profile.
Partner links are marked rel="sponsored". ComplaintRate earns a referral fee if you open an account through these links -- at no cost to you. Rankings are independent of commercial relationships and based solely on CFPB + FDIC public data. Read our methodology →
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing