Forrester, which polls 5,000 people about 114 firms in 12 industries, says USAA's credit card operations come in second, followed by Borders, Amazon.com, Costco Wholesale, Hampton Inn/Suites, BJ's Wholesale Club and Sam's Club, Kohl's and Marriott Hotels & Resorts.
Consumers rated the companies on usefulness, ease of use, and enjoyability of those experiences, and only 11% of the firms achieved "excellent" ratings, while 38% were "poor" or "very poor." Charter Communications and Medicaid came in last.--Sarah Mahoney