Benchmark rates sourced from the Federal Reserve Bank of St. Louis (FRED). Updated weekly. These are national averages - your rate will vary based on credit score, lender, and loan terms.
$1.1 trillion in outstanding US credit card balances
Source: Federal Reserve (G.19 Consumer Credit) · 2024
Credit card issuers generate the highest raw complaint volumes of any banking product. The normalised rate separates institutions with genuinely poor service from those that are simply large.
Credit cards Complaint Rates
Credit card complaints to the CFPB — billing errors, fraud disputes, rate changes, account closures — ranked per 1,000 customers using FDIC data.
Why credit cards are measured differently
There is no public federal count of how many credit-card accounts each issuer has, so a per-cardholder complaint rate cannot be calculated — and we do not publish one. The figures in the table below are normalised against each institution's deposits. Deposits are not a measure of card-business size, so these figures should be read as reference only — not as a ranking of the best or worst card issuers. For our ranking of issuers by total federal card-servicing complaints, with credit-reporting disputes excluded, see The credit-card issuers with the most complaints.
Reference list — not a ranking. See the note above for why, and the issuer complaint ranking for the volume-based order.
A high complaint rate means customers are contacting a federal regulator about this institution at an above-average frequency. The CFPB only counts complaints it forwards to the company for response — so these are not casual gripes, they are formal disputes. 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.
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.
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing