J.D. Power’s 2025 U.S. Credit Card Satisfaction Study is out. And this time, contrary to the last four years, Apple didn’t top the list, reflecting the company’s broader struggles with its credit card program.
Apple’s score dropped 30 points from last year’s survey
In this year’s study, Hilton Honors American Express took the top spot among co-branded credit cards with no annual fee, scoring 641 points out of 1,000, followed by Costco Anywhere Visa by Citi with 629.
Apple’s credit card, issued by Goldman Sachs, came in as a close third with 624 points.
As J.D. Power explains it, scores are calculated from seven factors:
Account management
Benefits
Customer service
New account
Rewards earning
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