According to the J.D. Power 2025 U.S. Credit Card Satisfaction Study 53% of cardholders are currently carrying revolving debt and 56% are classified as financially unhealthy. While these percentages have risen and fallen during reporting waves of the 2025 study, the result is a bifurcation of credit card customer experience, with significantly higher levels of customer satisfaction among financially healthy customers than among those who are less financially resilient. American Express ranks highest in customer satisfaction among credit card issuers, with a score of 643. This is the sixth consecutive year in which American Express receives a segment award.2 Bank of America (622) ranks second and Capital One (621) ranks third. Capital One Savor Rewards Card (with No Annual Fee) ranks highest in customer satisfaction among bank rewards credit cards with no annual fee for a third consecutive year, with a score of 662. Citi Double Cash Card (642) ranks second and Discover it Student Cash Back Credit Card (637) along with Wells Fargo Active Cash Card (637) rank third. The Platinum Card from American Express ranks highest in customer satisfaction among bank rewards credit cards with an annual fee with a score of 683. Bank of America Premium Rewards Elite (674) ranks second and American Express Gold Card (669) ranks third. Capital One Platinum Mastercard ranks highest in customer satisfaction among bank credit cards with no rewards or annual fee for a second consecutive year with a score of 620. BankAmericard (610) ranks second. Citi/AAdvantage Executive World Elite Mastercard Card ranks highest in customer satisfaction among airline co-branded credit cards with a score of 625. Delta SkyMiles Platinum American Express Card (607) ranks second and Alaska Airlines Visa Signature Card (Bank of America) (602) ranks third. Hilton Honors American Express Card ranks highest in customer satisfaction among co-branded credit cards with no annual fee, with a score of 641. Costco Anywhere Visa by Citi (629) ranks second and Apple Card (Goldman Sachs) (624) ranks third. Financial strain drives down card spending, spurs payment plan usage: Increased financial volatility and decreasing household incomes have contributed to a $68 year-over-year decline in average total credit card monthly spend. The average total monthly spend across all cardholders in the study is now $1,058, down from $1,126 in 2024. Use of Buy Now Pay Later (BNPL) has also increased, with 20% of credit card customers using these payment plans in the past year. The percentage of cardholders who say they would consider using BNPL from another lender has also increased, to 37% from 34% in 2024. Higher annual fees linked to higher overall satisfaction: Overall Satisfaction is higher among cardholders with annual fee products (regardless of fee amount) than among those with no annual fee products (+3 points). Those with an annual fee of $500 or more have lower satisfaction for the reasonableness of the annual fee itself compared with cardholders paying an annual fee under $500. However, those with an annual fee of $500 or more are more satisfied with the overall card experience than their counterparts who have an annual fee under $500.