2025 U.S. Small Business Credit Card Satisfaction Study

The document is a report detailing the findings of the J.D. Power 2025 U.S. Small Business Credit Card Satisfaction Study. It outlines the year-over-year improvements in customer satisfaction among small business credit card users, particularly highlighting the rise in satisfaction among financially unhealthy businesses. The report indicates that 89% of small businesses utilize credit cards for purchases, making them the predominant payment method. Key findings include an overall satisfaction score of 716, which reflects an 8-point increase from the previous year. Financially challenged businesses reported an 11-point increase in satisfaction due to features such as payment plans and financial management benefits. Co-brand credit cards showed significantly higher satisfaction levels compared to bank brand cards. Additionally, the report notes that merchant surcharges have influenced the payment methods used by small businesses, with a notable percentage opting for alternatives to avoid these fees. American Express ranks highest in customer satisfaction for the fifth consecutive year, followed by Chase.