USAA Is Top Credit Card Issuer in Customer Experience Ratings, According to New Temkin Group Research Large-Scale Research Study Rates More Than 200 Companies Across 18 Industries Based on Feedback Survey of 10,000 U.S. Consumers

WABAN, Mass., March 7, 2012 /PRNewswire/ -- A new research report published by Temkin Group, 2012 Temkin Experience Ratings, rates the customer experience of 206 large companies across 18 industries. This is the second year that Temkin Group has released these ratings. The research, which is based on a survey of 10,000 U.S. consumers in January 2012, includes 10 credit card issuers: American Express, Bank of America, Capital One, Chase, Citigroup, Discover, HSBC, US Bank, USAA, and Wells Fargo.

USAA is the top-rated credit card issuer and the only firm in the industry to receive "good" rating. The next four credit card issuers in the ratings earned "okay" ratings while the bottom five firms -- Citigroup, Capital One, HSBC, Bank of America, and Wells Fargo -- earned "poor" ratings.

The average ratings for the credit card industry placed it 11th out of 18 industries in the study. Temkin Group also analyzed the changes between 2011 and 2012 and found that the credit card industry has seen little change in its customer experience ratings over the previous year.

US Bank earned the largest increase over last year's ratings, while four other credit card issuers also improved. Heading in the other direction, Capital One and Citigroup earned the sharpest decreases between 2011 and 2012.

"USAA stands out as the shining light for customer experience in the credit card industry," states Bruce Temkin, author of the report and Managing Partner of Temkin Group.

The Temkin Experience Ratings evaluates three dimensions of customer experience:

  • Functional: Does the company meet consumers' needs?
  • Accessible: How easy is it for consumers to do what they are trying to do?
  • Emotional: How do consumers feel about their interactions with companies?

Other highlights from the research include:

  • USAA and American Express received the highest Functional ratings, while Capital One received the lowest.
  • USAA received the highest Accessible ratings, while Capital One and Citigroup received the lowest.
  • USAA and US Bank received the highest Emotional ratings, while Citigroup received the lowest.

This report can be accessed from the Temkin Group website at or from the blog, Customer Experience Matters, at The data can be accessed from the Temkin Ratings website,

For more information about Temkin Group, visit

About the author, Bruce Temkin

Bruce Temkin is widely recognized as a customer experience thought leader and is Customer Experience Transformist and Managing Partner of the Temkin Group. He is also the author of a very popular blog, Customer Experience Matters. Prior to forming Temkin Group, he was a VP at Forrester Research for 12 years. Bruce is a highly demanded speaker who consistently receives high marks for his content-rich, entertaining keynote addresses. He is also the co-founder and Chair of the Customer Experience Professionals Association (, a global non-profit organization dedicated to the advancement of customer experience management.

About Temkin Group

Temkin Group is a leading customer experience research and consulting firm with one simple goal for its clients: increase customer loyalty by becoming more customer‐centric. The company combines customer experience thought leadership with a deep understanding of the dynamics of large organizations to help senior executives accelerate their customer experience results. For more information, contact Bruce Temkin at 617-916-2075 or

This press release was issued through eReleases(R).  For more information, visit eReleases Press Release Distribution at

SOURCE Temkin Group

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