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Main reasons for credit card usage in the United States in 2026

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Source

Release date

March 2026

Region

United States

Survey time period

February 17, 2026

Number of respondents

1,112 respondents

Age group

18 years and older

Method of interview

Online survey

Supplementary notes

The original question was phrased by the source as follows: "Why do you use credit cards?"

Citation formats

Main reasons for credit card use in the U.S. 2026

Published by ÌÇÐÄÆƽâ°æ Research Department, May 4, 2026

According to an early 2026 survey of U.S. credit card users, earning cashback and rewards was the most commonly cited reason for using credit cards, with ** percent of respondents selecting this option. Convenience ranked second at ** percent, followed by the ease of disputing fraud at ** percent. Over a third of respondents, ** percent, cited the ability to defer purchases they could not immediately afford, while ** percent indicated they could not cover their bills without credit cards. 

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