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 cover billing errors, fraud disputes, interest rate changes, and account closures. Rates are normalised per 1,000 customers using FDIC deposit data.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. Hover column headers for metric explanations.
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.
We may earn a commission if you open an account through our links. This does not influence our data or rankings, which are derived entirely from federal government sources. Partner links marked rel="sponsored". Full affiliate disclosure · Methodology
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing