Review Counsel Rating System

At Review Counsel, we value providing our customers with the most reliable information and ratings, which is why we are committed to being transparent in how those results come about. Our editorial team utilizes strict guidelines and considers a variety of data points when crafting each rating — putting consumers first! If you’re interested in learning more about the methodologies, check out the details below.

Credit Cards Criteria

We rate credit card companies according to the following criteria on a 1 to 5 scale: years in business, number of products offered, customer service availability, state licensing/availability, and Better Business Bureau (BBB) ratings.

Number of Products Offered

We evaluate the number of products each company offers based on what’s reasonable for the industry it is in.

Customer Service Availability

Review Counsel also considers how available each company makes itself to its customers. Those who earn top scores are available 24 hours a day/seven days per week. Some companies are available seven days per week for limited hours and some are only available Monday through Friday during business hours.

BBB Ratings

We include the Better Business Bureau (BBB) accreditation ratings because it requires strict standards for application along with consistent monitoring. The BBB sets a standard of credibility that no other business rating service can match, and they are considered one of the most trusted sources for buyers who want peace of mind about the companies they do business with. The BBB is a nonprofit organization that thoroughly vets businesses according to eight standards: building trust, honest advertising, telling the truth, transparency, honoring promises, responsiveness, safeguarding privacy, and integrity.

Credit Card Ratings

Company Score Total Years in Business Product Offering Customer Service Availability BBB Ratings
American Express Credit CardsAmerican Express Credit Cards company logo 4.0 173 Years (est. 1851)

Score: 5

  • 16 Credit Cards

Score: 4

24/7 Availability

Score: 5

NR Rating

Score: 1

Bank of AmericaBank of America company logo 4.8 242 Years (est. 1782)

Score: 5

  • 21 Credit Cards

Score: 5

24/7 Availability

Score: 5

A- Rating

Score: 5

Capital One Credit CardsCapital One Credit Cards company logo 5.0 29 Years (est. 1995)

Score: 5

  • 32 Credit Cards

Score: 5

24/7 Availability

Score: 5

A+ Rating

Score: 5

Chase BankChase Bank company logo 5.0 224 Years (est. 1800)

Score: 5

  • 34 Credit Cards

Score: 5

24/7 Availability

Score: 5

A+ Rating

Score: 5

Chime FinancialChime Financial company logo 3.2 11 Years (est. 2013)

Score: 4

  • 1 Credit Card

Score: 1

24/7 Availability

Score: 5

B Rating

Score: 3

Citibank Credit CardsCitibank Credit Cards company logo 4.0 211 Years (est. 1813)

Score: 5

  • 15 Credit Cards

Score: 4

24/7 Availability

Score: 5

F Rating

Score: 1

Discover Credit CardsDiscover Credit Cards company logo 4.4 38 Years (est. 1986)

Score: 5

  • 7 Credit Cards

Score: 2

24/7 Availability

Score: 5

A+ Rating

Score: 5

US Bank Credit CardsUS Bank Credit Cards company logo 4.4 160 Years (est. 1864)

Score: 5

  • 10 Credit Cards

Score: 3

24/7 Availability

Score: 5

A- Rating

Score: 4

Wells Fargo Credit CardsWells Fargo Credit Cards company logo 3.6 171 Years (est. 1853)

Score: 5

  • 5 Credit Cards

Score: 2

24/7 Availability

Score: 5

F Rating

Score: 1

Last updated at 5/2/2023