Ratings

• Trustpilot Ratings. Trustpilot is considered reliable due to its open platform allowing a wide range of customer feedback, verification processes to confirm the authenticity of reviews, and a strong commitment to transparency. 
• Rewards and Benefits. We look at the rewards programs that the credit card company offers. This includes cash back, points, miles, and how they can be redeemed. We also consider additional benefits like travel insurance, extended warranty, or concierge services.  
• Company accessibility. Good company accessibility is important for sufficiently servicing customers. Are they available 24/7? What channels (phone, email, online chat) are available for support? 
• Convenience. We consider how easy it is to manage your account. We look for features like online banking, mobile apps, and automatic payments. 
• Financial Tools. Some companies offer tools for budgeting, tracking spending, and improving credit scores. These resources can be very helpful if you’re trying to build or maintain good financial health. 

Company	Trustpilot	Rating	Features and Benefits
Capital One	2,193 reviews | Bad	8.0/10	Offers rewards cards for travel, dining, entertainment, cashback, credit building Benefits include Travel Insurance, Extended Warranty, and Fraud Protection Customer Service Reps Accessible 24 hours a day/ 7 days per week Access accounts online, via mobile app, by phone	View Site
Chime	8,994 Reviews | Poor	7.2/10	Chime only offers a credit-building credit card. This card does come with fraud protection. These cards do not charge an annual fee or interest. No credit check or minimum security deposit is required to open the account.	View Site
Discover	240 Reviews | Poor	8.0/10	Offers rewards cards for cashback, travel, dining, gas, and credit building. All cards come with fraud protection. Access accounts online, via mobile app, by phone	View Site
US Bank	842 Reviews | Bad	8.2/10	Offers rewards cards for cashback, travel, dining, entertainment, retail stores, and credit building. Offers cards that come with fraud protection, travel protections, cell phone insurance, purchase protection, and Extended warranty Accounts are accessible online, via mobile app, by phone, and in person	View Site
Wells Fargo	1106 Reviews | Bad	7.6/10	Offers rewards cards for travel, cashback, dining, and entertainment. Offers cards that come with fraud protection, travel protections, cell phone insurance, and concierge services. Access accounts online, via mobile app, by phone and in person.	View Site

Last updated: 1/30/24