Is your credit card application good? A new report ranked best of 2022

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Does your credit card have a user-friendly app and website?

We spend a lot of time talking about rewards programs, interest rates, and special perks associated with credit cards, but the card issuer’s website and mobile app are becoming a consideration more and more. important in 2022.

With paperless billing and payment options now the preferred (and sometimes required) transaction method for your credit card, having a highly functional, easy-to-use website and/or mobile app is a must. utilize.

JD Power, which is one of America’s leading consumer analytics companies, agrees that this is a key feature for credit card customers in 2022.

Findings from his latest research on credit card consumer behavior found that some major card issuers handle these areas better than others. Let’s take a look at some of this data.


JD Power Credit Card App Ranking 2022

Many credit card users are becoming more comfortable with the concept of paying bills and checking balances on their cell phones, so having a good mobile app to conduct your business can be a ranking factor. quite high on your list when you apply.

Discover, which was recently praised by financial expert Clark Howard for introducing a free online privacy protection benefit, topped JD Power’s list for overall customer satisfaction.

From Discover’s mobile app, customers can manage this privacy benefit, access free FICO scores, and easily redeem cash back rewards from the mobile app. The Clark team recommended the Discover it® Cash Back Card as a viable option as a cash back credit card thanks to a 5% revolving cash back benefit and a sizable welcome bonus offer.

Top Scores for Overall Customer Satisfaction: Mobile Map Apps

  1. Discover (876)
  2. Capital one (875)
  3. Bank of America (868)
  4. American Express (865)
  5. Hunting (864)
  6. Barclays (860)
  7. Wells Fargo (860)
  8. City (848)
  9. American Bank (840)
  10. One Bank Credit (820)
  11. Sync Bank (809)

To note: USAA, which is a bank that serves service members and their families, scored 876 from the responses received. It was not eligible for ranking due to the study criteria, as each brand had to have at least 4 million active accounts to be included in the study.

The JD Power 2022 US Credit Card Mobile App Satisfaction Study gathered feedback from 3,252 credit card app users, measuring the level of satisfaction of cardholders who had installed their primary credit card issuer‘s app on their smartphone and who had used the app during of the last 30 days.

Evaluation areas included visual appeal, information, content, speed and navigation.


JD Power Credit Card Website Ranking 2022

If you don’t like doing your credit card business on your wireless phone, you may find the credit card website rankings useful instead.

JD Power also conducted a customer satisfaction survey on this subject.

And Discover also found itself at the top of this ranking, beating Bank of America, American Express, Capital One and Chase. USAA, which also did not qualify for these rankings, would have placed second on the list had it been included.

Top Scores for Overall Online Credit Card Satisfaction: Card Issuer Websites

  1. Discover (864)
  2. Bank of America (853)
  3. American Express (851)
  4. Capital one (851)
  5. Hunting (851)
  6. American Bank (838)
  7. Barclays (834)
  8. Wells Fargo (833)
  9. City (826)
  10. One Bank Credit (813)
  11. Sync Bank (798)

To note: USAA scored 856 in this category from the responses received, but was not eligible for ranking due to the study criteria.

The JD Power 2022 US Online Credit Card Satisfaction Study surveyed 3,295 US residents who had an online account set up with their primary credit card to access from a computer and who had used the primary credit card website in the previous 30 days.

Websites were rated in categories including visual appeal, information, content, speed, and navigation.


Final Thoughts

Mobile apps and websites have become an important part of the credit card user experience. Chances are, credit card holders will need to access their issuer’s app or website at least a handful of times each billing cycle.

While it’s not as important as getting a card with a good interest rate or a solid rewards program, knowing that you’ll be able to easily manage your virtual business is worth it. Something.

Discover appears to have won favor with its user base with top scores for app and website usage, but it’s also worth noting that American Express, Bank of America, and Capital One also scored positively. .

USAA, which Clark typically points eligible customers to for potential low interest rates on credit cards and loans, would have ranked second on both lists if eligible for inclusion.

On the other hand, Synchrony Bank was at the bottom of both lists. That might be a red flag if you’re considering one of its many credit card offers. Synchrony is responsible for PayPal Cashback Mastercard® and Sam’s Club® Mastercard®, as well as a host of store credit cards.

How would you rate your credit card app and website? We would like to hear about your experiences in the Clark.com Community.


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