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Liz Pulliam Weston recently published an article summarizing and analyzing J.D. Power and Associates 2008 survey of credit card user happiness. They surveyed 8,000 users on five factors: interaction with the company, billing and payment processes, fees and rates, reward programs, and benefits and services.

I was a little surprised to see that the highest score was 783 out of 1,000 for American Express, with Discover taking second with 751. Everyone else surveyed scored less than the industry average of 724!

Happiness Rankings by Issuer

Remember, the ratings are from 2008, which is why you still see Washington Mutual on the list.

1. American Express – 783
2. Discover – 751
3. Industry average – 724
4. National City – 721
5. Chase – 719
6. U.S. Bank – 716
7. Washington Mutual – 712
8. Citi – 710
9. Wells Fargo – 709
10. Bank of America – 692
11. GE Money – 683
12. Target Visa – 682
13. Capital One – 678
14. HSBC – 667

I wonder how this will change with the new credit card laws and the issuer’s responses to them.

Credit cards with the happiest users ^[3] [MSN Money]