The Best Credit Cards for Customer Service
The main draw to finding the right credit card is often the cash back bonuses and other card-related perks. But the staying power is when you find a company whose customer service helps you in a time of desperate need.
It’s great to earn cash back for purchases you make every day, but what happens when you’re stranded on the side of the interstate and your car insurance won’t cover the towing expense? Or what if you have a medical emergency and need to change your travel plans? Believe it or not, these credit cards offer some of the best customer service in the industry and will be able to help solve all of these problems with ease.
Citi® Diamond Preferred® Card
With its VIP customer treatment and personal concierge service, the Citi® Diamond Preferred® Card from Citi, a Credit Cards House advertiser, is at the top of our list for best customer service cards. Specially trained experts help provide assistance on a variety of travel-related needs, such as booking flights, hotels, concert tickets and more.
This card has a low introductory rate of 0% interest on balance transfers for 21 months (then a 17.24% - 27.99% (Variable) APR, based upon your creditworthiness, applies). You won’t have to pay an annual fee to access any of these perks or customer benefits. Plus, the Citi® Diamond Preferred® Card allows you to choose your payment due date, so you have more control over when you pay your bill, whether it’s in the beginning, middle, or end of the month.
The VIP treatment and 24/7 personal concierge services will connect you to highly trained representatives who can assist you with travel and dining options, as well as entertainment choices, all around the world. In addition, you’ll get travel and emergency assistance related to travel arrangements, medical issues, legal emergencies, and more.
In other words, with the Citi® Diamond Preferred® Card you can make travel plans with the peace of mind knowing that any unforeseen problems will be handled in a timely manner.
Capital One® Spark® Cash for Business
The Capital One® Spark® Cash for Business credit card comes with a flat 2% cash back rate on all your business-related purchases. The welcome bonus is $500 cash back if you spend $4,500 in the first 3 months of opening the account. It also comes with no annual fee for the first year and then only $95 a year after that.
But what makes this card really great is that the Capital One team has a phone number dedicated to Spark Cash customers. So you won’t have to wait to have your questions answered along with the general Capital One inquiries.
Finally, this credit card comes with $0 Fraud Liability if your card is lost or stolen, and you’ll receive real-time alerts of fraud attempts via text, email, or phone. And when you’re traveling for business, you can count on a wide range of travel and emergency services including airline ticket replacement, auto rental collision damage waiver, fraud protection, legal or medical referrals, and more—24 hours a day, 365 days a year.
Blue Cash Preferred® Card from American Express
Over the years, American Express, a Credit Cards House advertiser, has been voted the best credit card company when it comes to customer service, and with good reason. Not only are they a credit card company but they’re also a merchant processing company who looks at customer data and creates products for them to use and enjoy.
With the Blue Cash Preferred® Card from American Express, you’ll earn a $200 statement credit after spending $1,000 in purchases on your new card within the first 3 months.
More importantly, you’ll have access to a 24/7 roadside assistance hotline and global assist hotline, no matter where you are in the world. If you blow out a tire and need assistance with towing, you’re covered with the Blue Cash Preferred® Card from American Express. If you’re out of the country and lose your passport, the American Express customer hotline will coordinate with you and help solve the problem.
This card is also the current leader in the 6% cash back category for earning rewards at supermarkets (on up to $6,000 per year in purchases). Their mobile app, Amex Mobile, is also one of the best in the industry for staying on top of your purchases, tracking spending, making payments, and receiving real-time alerts.
The Bottom Line
When looking for the credit cards with the best customer service, you can’t go wrong with a card from Citi, American Express, or Capital One. They’ve been leaders in this space for many years and have the customer benefits to back up their claims.
Take your time when choosing a card that will best fit your lifestyle and personal needs. Be rest assured that these credit cards will have your back if you have a travel emergency or need fraud protection on any purchases.
First published , last updated
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.