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While the benefits of having a credit card are numerous, there’s one factor that can send any cardholder running for the hills — poor customer service.

A recent Bankrate survey found that six out of ten American cardholders have canceled at least one credit card. While a bulk of respondents cancelled due to high interest – a smaller percentage (11 percent) cited “other” as their reason for canceling. Of that group, many pointed to poor customer experience.

When the thought of calling your credit card company gives you a headache, it’s hard to imagine staying for the long haul. Let’s have a look at some card issuers who are known for taking good care of their customers.

5 credit card issuers with the best customer service

Consumers considering a new credit card may want to pay special attention to companies who have received high rankings for how they treat their customers in both good times and bad. J.D. Power’s 2018 Credit Card Satisfaction Study is the premier source on overall customer satisfaction since it considered the opinions of over 24,000 credit card customers in the U.S.

Their survey results show that, although most major credit card issuers score relatively high, some card issuers stand out from the pack when it comes to pleasing their customers.

Discover

Discover earned the #1 spot in J.D. Power’s 2018 Credit Card Satisfaction Study, with 836 points out of a possible 1,000 points. That’s much higher than the industry average of 801. Not only does Discover offer a consumer-friendly mobile app that lets you monitor your account, make payments and redeem rewards, but they promise U.S.-based customer service. You have 24-hour access to the customer service line, and you can also contact them by mail.

Cards like the Discover it® Cash Back and Discover it® Miles come with no annual fees and no foreign transaction fees. Their rewards programs are straightforward as well; allowing you to redeem rewards for cash back, statement credits, gift cards and merchandise.

American Express

American Express came in at #2 in the J.D. Power study with 830 out of 1,000 points. This is not surprising, considering they offer 24/7 customer service over the phone, secure messaging and even online chat. Their online chat service is frequently praised by customers who want to get issues resolved while at work during the day, or don’t have time to call into the customer service line.

Amex also features a robust mobile app where you can monitor your purchases, make payments, review your cardholder benefits and more.

Barclays

Barclays is well known for popular rewards credit cards like the Barclaycard Arrival Plus World Elite Mastercard, but they’re growing in popularity due to superior customer service. The bank ranks third, scoring 806 out of 1,000 points in the J.D. Power Customer Satisfaction Study.

Similar to Discover and American Express, Barclays boasts a 24/7 customer service line, as well as a convenient mobile banking app to their U.S. customers. The @BarclaysBankUS Twitter team is also known for being very responsive.

Chase

Chase scored 804 points out of 1,000 in the J.D. Power study, which is only a few points higher than the industry average. However, Chase still receives high customer service marks due to their outreach and social media presence.

Customers can easily reach Chase over the 24-hour phone line, with secure messaging through the online account or by mail. The Chase mobile app also makes it easy for Chase cardholders to keep track of purchases and rewards.

Speaking of rewards, the Chase Ultimate Rewards program – which you can access through cards like the Chase Freedom and Chase Sapphire Preferred Card – is one of the best programs available.

Capital One

Capital One is another issuer that beat the industry average, with 803 points in J.D. Power’s 2018 Credit Card Satisfaction Study. The Capital One Venture Rewards Credit Card often has a spot on top rewards cards lists, with benefits like the Capital One 360 Savings Account.

In addition to the 24/7 customer service line, you can also call collect from an international number to cancel a stolen card and ask for a replacement.

Capital One’s mobile app lets you pay your bill, bank on the go and more. Capital One even lets you lock your card with the app if it’s misplaced, lost or stolen.

Bottom line

When assessing your satisfaction as a cardholder, think of rewards as only part of the picture. Highlighting good customer service among your other areas of value will help you make good issuer decisions ahead of time, and avoid possible cancelation.