Credit Card Consumer Insights

Credit Card Satisfaction Study

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The JD Power Credit Card Satisfaction Study delivers an independent source of consumer credit card data and insights. It helps issuers track satisfaction, compare brands, and identify emerging trends in the credit card industry.

Each year, the study sets the quality standard for major personal card issuers by examining customer needs, preferences, and behaviors in a rapidly evolving market. It equips credit card providers with valuable competitive intelligence to help brands evaluate their performance against key competitors.

Available in the U.S. and Canada.

a young woman in a green sweater holding a credit card in one hand and an iphone in the other

The Benefits

Use our JD Power's exclusive data to improve product offerings, enhance brand perception, and optimize customer retention. Study subscribers will understand:

  • Which credit card features drive the highest customer satisfaction
  • Differences in satisfaction by card type (e.g., cashback, travel, retail)
  • Satisfaction trends by issuer size and brand tier
  • Behavioral and satisfaction differences among consumer segments
  • How economic factors and financial health impact card usage
  • Key areas to prioritize for future product and service enhancements
  • How leading brands deliver superior satisfaction at key customer touchpoints
a couple using a credit card to shop online

Experiences Explored

The study includes thousands of firsthand experiences from credit cardholders and examines key attributes of the credit card experience, organized into six core categories:

  • Terms
  • Account Management
  • Benefits
  • Reward Earning
  • Rewards Redeeming
  • Customer Services
  • New Account

 

In addition to this Voice of the Customer data, broader economic and financial wellness insights are integrated to provide a more comprehensive view of the consumer credit card experience and emerging trends in the credit card industry.

Key Dates

2026 U.S. Credit Card Satisfaction Study Milestones

Field Start: June 2025
Wave 1 Publish: November 5, 2025
Wave 2 Publish: February 10, 2026
Wave 3 Publish: April 28, 2026
Wave 4 Publish: August 4, 2026
Press Release: August 13, 2026

 

2026 Canada Credit Card Satisfaction Study Milestones

Field Start: May 2026
Publish: September 3, 2026
Press Release: September 10, 2026

 

2027 U.S. Credit Card Satisfaction Study Milestones

Field Start: June 2026
Wave 1 Publish: November 4, 2026
Wave 2 Publish: February 9, 2027
Wave 3 Publish: April 27, 2027
Wave 4 Publish: August 3, 2027
Press Release: August 12, 2027

Press Release & Award Information

JD Power will issue a national press release featuring key findings, trends, and brand rankings from the study. Only brands that meet JD Power’s research criteria will be ranked. Brands that rank highest in their segment and meet award criteria may promote their award through the JD Power licensing program—available exclusively to study subscribers.

Read our latest press releases: 

U.S. Credit Card Satisfaction Study Press Release

CA Credit Card Satisfaction Study Press Release

See how our Awards make an impact:

U.S. Credit Card Satisfaction Study Award Information

CA Credit Card Satisfaction Study Award Information

 

Awards

Profiled Brands

In addition to a bank-brand issuer award, there are five card award segments, which include, Bank Issued Credit Cards with Rewards – No Annual Fees, Bank Issued Credit Cards with Rewards – Annual Fees, Bank Issued Credit Cards – No Rewards or Annual Fees, Co-Branded Airline Credit Cards, Co-Branded Credit Cards – No Annual Fee

2026 U.S. Credit Card

Issuer

  • American Express
  • Bank of America
  • Barclays
  • Capital One
  • Chase
  • Citi
  • Credit One Bank
  • Discover
  • Fifth Third
  • FNBO
  • Goldman Sachs
  • Merrick Bank
  • Navy Federal Credit Union
  • PNC
  • Premier Bankcard
  • Synchrony Bank
  • TD Bank
  • Truist
  • U.S. Bank
  • USAA
  • Wells Fargo

2026 CA Credit Card

  • American Express
  • BMO
  • Canadian Tire
  • Capital One
  • CIBC
  • Desjardins
  • Fairstone Bank
  • MBNA
  • National Bank of Canada
  • PC Financial
  • RBC
  • Rogers Bank
  • Scotiabank
  • Tangerine Bank
  • TD
     

2027 U.S. Credit Card Profiled Brands

Issuer

  • American Express
  • Bank of America
  • Barclays
  • Capital One
  • Chase
  • Citi
  • Credit One Bank
  • Discover
  • Fifth Third
  • FNBO
  • Goldman Sachs
  • Merrick Bank
  • Navy Federal*
  • PNC
  • Premier Bankcard
  • Synchrony Bank
  • TD Bank
  • Truist
  • U.S. Bank
  • UMB Bank
  • USAA*
  • Wells Fargo

     

*Profiled but not ranked

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