Do all of your unused credit card benefits make you wonder what you signed up for? You may want to look into cards from Discover, American Express, Capital One and Chase. These four card issuers top the nation in customer satisfaction according to J.D. Power’s 2019 Credit Card Satisfaction Study. J.D. Powers measured customers’ satisfaction based on:

  • Interaction
  • Credit card terms
  • Communication
  • Benefits and service
  • Rewards
  • Key moments

On a 1,000-point scale, Discover ranked the highest (842) with American Express’ credit card customer service close behind (838). Interestingly, Capital One and Chase tied for third place (807).

This year’s survey indicates that card issuers may revamp their communication because customers aren’t taking full advantage of the benefits and rewards their credit cards offer. Only 66% of consumers reported that they completely understood their card’s reward offerings, while just 36% of consumers understood their card’s benefits. To make sure you don’t miss out on any hard-earned opportunities, we’ve broken down our top Discover, American Express, Capital One and Chase credit cards. Keep reading to see which card works best for your spending habits and lifestyle.

Discover it® Cash Back

You don’t even have to read the fine print to see why the Discover it Cash Back card is a favorite among cash reward credit cards. Cardholders earn 5% cash back within select categories each quarter they activate (up to the current $1,500 quarterly maximum, then it’s 1% back) and a standard 1% cash back on all other purchases. These rates alone are great for everyday shopping, but the 2020 purchase categories are fantastic reward opportunities on the quarter’s common expenses:

  • January to March: grocery stores, Walgreens and CVS
  • April to June: gas stations, Uber, Lyft, and wholesale clubs
  • July to September: restaurants and PayPal
  • October to December: Amazon.com, Target.com and Walmart.com

The intro offer seals the deal for prospective customers: Discover will match all of your first year’s cash back, with no limit. Doubling your rewards means you essentially get 10% cash back on your rotating categories (up to your quarterly maximum)! Earned cash back can be redeemed as a direct deposit, a statement credit or a range of gift cards or certificates.

A key point to consider if you’re switching cards is how Discover it Cash Back card’s added perks compare to its competitors’ rewards and benefits. We find that Discover it Cash Back stands up against the competition. There is no annual fee or foreign transaction fees, and the 14-month 0% intro APR on purchases and balance transfers (after that, 13.49% - 24.49% Variable rate applies) makes it the perfect card to switch to. Although you’ll pay a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms), this fee may be worth it depending on your current card’s interest. Even better, Discover it Cash Back is available to those with average to excellent credit (usually a credit score of 670 or higher), so there isn’t an elite credit barrier keeping new cardholders out.

Discover’s customer service truly shines in its generous benefits. There is no late fee on your first late payment and no penalty APR for paying late — period. Other key services include identity theft protection (note that enrollment is required) and a whole host of added perks.

Blue Cash Preferred® Card from American Express

If you plan on hitting the store for routine products like groceries or gas more often than travel or entertainment, then the Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is what cash back dreams are made of. You can earn up to a sky-high 6% cash back at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1%) as well as 6% cash back on select U.S. streaming services. On top of that, Blue Cash Preferred customers get 3% cash back at U.S. gas stations and on transit (like rideshares, taxis, buses, parking and tolls) with no spending cap.

Customers considering the Blue Cash Preferred Card have plenty of incentive with a 12-month 0% intro APR on both purchases and balance transfers (with a 3% balance transfer fee, $5 minimum) — 14.49%-25.49% Variable after that — and a $250 intro bonus that you’ll earn after spending $1,000 on purchases in the first 3 months. Keep the $95 annual fee in mind, but store-bound commuters will likely pocket far more cash back beyond the annual fee.

Capital One® Savor® Cash Rewards Credit Card

Going out for a night out on the town brings home first-rate rewards if the Capital One Savor Cash Rewards Credit Card is your plus-one. Savor’s unique benefit grants customers access to premium experiences in dining, entertainment and more! You’ll earn unlimited 4% cash back on dining and entertainment (ranging from theaters to sports and even amusement parks) and 1% back on all other purchases. The cherry on top is the $300 cash back bonus that you’ll earn after spending $3,000 on purchases within 3 months, which is higher than many other cash back cards we review!

The Savor Cash Rewards card is more enticing than ever since there is no annual fee during your first year. Although there’s a $95 annual fee afterwards, the ongoing rewards you’ll earn will likely more than pay for it — especially if Savor is your primary credit card. If you spent only $200/month on dining alone, you’d have already paid for the year! Travel perks typical of Capital One credit card customer service further ramp up the value for adventurous foodies:

  • No foreign transaction fees
  • Car rental insurance
  • 24/7 complimentary concierge service

Chase Freedom Unlimited®

If you’re looking for a straightforward cash back card and want to take advantage of the top-notch Chase credit card customer service, then Chase Freedom Unlimited is calling your name. Since it’s a flat-rate unlimited 1.5% cash back card, there aren’t any rotating categories, sign-ups or purchase maximums to worry about. Plus, your reward redemption opportunities are more versatile than other cash back programs if you combine your reward points with other Chase cards that use Ultimate Rewards (like the Chase Sapphire Preferred® Card, for example). That way, instead of receiving your cash back only as a direct deposit or statement credit, you can redeem for gift cards or travel at a possibly higher value.

Chase makes the Freedom Unlimited card accessible for anyone with a good to excellent credit score (usually about 700 or higher) looking for a brass tacks rewards card with no annual fee, a $150 bonus that they’ll earn after spending $500 within the first 3 months and a 15-month 0% intro APR on purchases and balance transfers (then a 16.49% - 25.24% Variable rate). There is a standard 3% intro balance transfer fee with a $5 minimum during your first 60 days (after that, it’s 5% with a $5 minimum), but this could be preferable to your card’s current interest rate.

Want to learn more about these cards and see how they compare to others on the market? Check out our picks for the best cash back credit cards to do exactly that.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.