PhotoSome credit cards are better for some specific purposes. There are cards that pay generous cash back or offer travel rewards.

But what about the credit card company itself? The Temkin Experience Ratings looked at credit card issuers and named Discover as the card offering the best customer experience.

It made that assessment after surveying 10,000 consumers in the U.S.

Discover made it to the top of the heap of 11 credit card lenders, earning a 78% score and placing 28th overall out of 331 companies competing in 20 different industry segments.

American Express and USAA were right behind, tying for second place at 73%. Wells Fargo, still losing customers after last year's unauthorized accounts scandal, remained in last place with a score of 64%. Most of its competitors, meanwhile, moved higher.

Double-digit increases

"Quite a few credit card issuers saw double-digit increases from last year, bringing up the average quality of customer experience in this industry," said Bruce Temkin, managing partner of Temkin Group.

As a whole, the credit card industry improved its standing among consumers. It moved up seven percentage points, rising from 62.8% to 69.7%.

According to the ratings, Capital One was the only credit card issuer that lost ground year-over-year, while HSBC earned most improved card honors.

Here's the 2017 Temkim list:

  1. Discover: 78%
  2. American Express: 73%
  3. USAA: 73%
  4. Barclaycard: 72%
  5. U.S. Bank: 71%
  6. Chase: 70%
  7. HSBC: 69%
  8. Citigroup: 68%
  9. Bank of America: 67%
  10. Capital One: 66%
  11. Wells Fargo: 64%

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