Rank the Bank

[sarge12]

OK...here is the challenge, I'm listing all the financial institutions I can easily think of and ranking them on a 1-10 scale and asking others to do the same. Base it on your personal experience with each issuer, and feel free to cut and paste and add to the list. This is not meant to rank each issuers offerings because each issuer offers too large of a variety for that. Hoping this will be fun and informative. If no experience with issuer, leave blank. Only included NFCU, USAA credit union...too many, but you may add. I know I will forget some major players, so feel free to make additions. Please put a comma after your score, leaving others scores, so at the end each score will be in the end post.

American Express>>>>>>>>    9,

Bank of America>>>>>>>>>

Barclay>>>>>>>>>>>>>>>>    7,

Capital One>>>>>>>>>>>>>   8,

Chase>>>>>>>>>>>>>>>>>   8,

Citi Bank>>>>>>>>>>>>>>     8,

Credit One>>>>>>>>>>>>>

Discover>>>>>>>>>>>>>>     7,

Fidelity>>>>>>>>>>>>>>>

NFCU>>>>>>>>>>>>>>>>

TD Bank>>>>>>>>>>>>>>    5,

USAA>>>>>>>>>>>>>>>>

Wells Fargo>>>>>>>>>>>>

[Anonymous]

American Express>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    9,9,

Bank of America>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   8,

Barclay>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,4,

Capital One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,6,

Chase>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7,

Citi Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7,

Credit One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> Big fat 0,

Discover>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,8,

Fidelity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    

NFCU>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

TD Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   5, 

USAA>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

Wells Fargo>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

Synchrony>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7,

Comenity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7,

Fun post...thanks!!

[sarge12]

Thank you doinit for editing after my edit.

[Anonymous]

 American Express>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    9,9, 9, 8
Bank of America>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   8,
Barclay>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,4, 2, 6
Capital One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,6, 10
Chase>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7, 9, 8
Citi Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7, 4, 8
Comenity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7,
Credit One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> Big fat 0,
DCU>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 8.5
Discover>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,8, 5, 8
Fidelity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    Remove? I don't think they're an issuer. I'm pretty sure they don't back the Fidelity cobrand.
NFCU>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 10
Penfed>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 7
Synchrony>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7, 5
TD Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   5,
USAA>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Wells Fargo>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  6

Mine are in RED

[wasCB14]

I’d like to participate, but I’m not exactly clear on what criteria others are using.

Competence of customer service on each bank’s mid-tier card? Attractive APRs or CLs? Just a very general, issuer-wide favorability rating?

[sarge12]

Yes...just a general inquerie, I know the reason I rated cap 1 as high as I did is the simple reward structure, and how well their website is laid out. Customer service is a big consideration if it is outsourced to India. TD bank got lowest score because their card just blow. Discover gets dinged by me because they have been very stingy for CLI. If one of them ticks you off, give them a low score. I hope that with enough responses we will be able to look at it and have an idea how happy most are with each bank/cu.

---

@wasCB14 wrote:

I’d like to participate, but I’m not exactly clear on what criteria others are using.

Competence of customer service on each bank’s mid-tier card? Attractive APRs or CLs? Just a very general, issuer-wide favorability rating?

---

[wasCB14]

American Express>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    9,9, 9, 8
Bank of America>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   8,
Barclay>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,4, 2, 6
Capital One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,6, 10
Chase>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7, 9, 8
Citi Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7, 4, 8
Comenity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7,
Credit One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> Big fat 0,
DCU>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 8.5
Discover>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,8, 5, 8
Fidelity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    Remove? I don't think they're an issuer. I'm pretty sure they don't back the Fidelity cobrand.
NFCU>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 10
Penfed>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 7
Synchrony>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7, 5
TD Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   5,
USAA>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Wells Fargo>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  6

My opinions are based on how I value the perks, benefits, bonuses/rewards, and competence of CSRs on generally premium cards.

[Anonymous]

For banks I've had experience with,

TD Bank - 9: excellent banking service, friendly and helpful people in branches, they caught and fixed fraudulent charges quickly, higher tier checking requires less deposited than other banks

Ally - 8: online system is convenient, free transfers

Capital One - 8: lost my initial application, but has been good since, clear benefits, 24/7 US phone support (for my card, at least), easy cashback redemption, caught and fixed fraudulent charges quickly

Wells Fargo - 5: nothing memorable. They weren't great, but not horrible either

Chase - 4: poor notifications at beginning which added fees, low limit, poor features compared to other cards but seems like they're trying to improve

Barclay - 4: advertised features of card turned out to be less useful than anticipated, community stagnant, but good for FICO score

Bank of America - 1: difficult to sign up for account, poor customer service, limited account terms, rude, difficult to close account. I avoid them and their products at all cost.

[Creditplz]

American Express>>>>>>>> I give a 8.5
Bank of America>>>>>>>>> a solid 7.2
Barclay>>>>>>>>>>>>>>>> -1
Capital One>>>>>>>>>>>>> 7
Chase>>>>>>>>>>>>>>>>> 9.5
Citi Bank>>>>>>>>>>>>>> 8.5
Credit One>>>>>>>>>>>>> 1
Discover>>>>>>>>>>>>>> 8
Fidelity>>>>>>>>>>>>>>>. N/A don't have one
NFCU>>>>>>>>>>>>>>>>. 7.5
TD Bank>>>>>>>>>>>>>> N/A
USAA>>>>>>>>>>>>>>>>. N/A
Wells Fargo>>>>>>>>>>>>. 1
First premier bank >>>>>>>> -1.9Billion

[Anonymous]

American Express>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    9,9, 9, 8, 9
Bank of America>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   8, 9
Barclay>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,4, 2, 6, 
Capital One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,6, 10, 1
Chase>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7, 9, 8, 6
Citi Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    8,7, 4, 8, 9
Comenity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7, 8
Credit One>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> Big fat 0, 0
DCU>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 8.5
Discover>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>     7,8, 5, 8, 10
Fidelity>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>    Remove? I don't think they're an issuer. I'm pretty sure they don't back the Fidelity cobrand.
NFCU>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 10
Penfed>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 7
Synchrony>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   7, 5, 0
TD Bank>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>   5, 7
USAA>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> 6
Wells Fargo>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  6