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Credit cards in the United States

Statistics report on credit card debt, and offline and online credit card transactions in the U.S.

Known for its credit cards, which brands are the biggest in the United States. And how big is credit card debt in the country?

This report provides a range of statistics that focus exclusively on credit cards in the United States. Multiple topics are discussed, ranging from card delinquency to the country's largest credit card issuers and acquirers. This report is an expansion to another publication - Digital payment types in the United States - which compares credit cards against emerging, alternative payments such as buy now, pay later (BNPL) or digital wallets.

Some of the key questions asked in this report include: How many transactions do Americans, for example, perform? And which credit card companies issue the most cards? And how is the market going to develop in the future?

Table of contents

Usage

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  • Premium Statistic Annual credit card and debit cards issued in the U.S. 2012-2024
  • Premium Statistic Annual number of credit card transactions in the U.S. 2012-2024, per capita
  • Premium Statistic Most used in-store (POS) payment methods in the U.S. 2017-2025, with 2030 forecast
  • Premium Forecast Most common online payments by type in the U.S. 2025
  • Premium Statistic Payment types accepted by all e-commerce vendors in the U.S. in 2022 and 2024

Demographics

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  • Premium Statistic Triennial credit card penetration in the U.S. 2011-2024, by demographic
  • Premium Forecast Credit card users in the United States, by age 2024
  • Premium Statistic Share of adults planning to carry credit card balance in the U.S. 2020-2023
  • Premium Statistic Average credit card balance in the United States in 2025, by age group

Spending

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  • Premium Statistic Annual credit card spending in the U.S. 2012-2024
  • Premium Statistic Most used payment methods in e-commerce worldwide in 2025, with a forecast for 2030
  • Premium Statistic Size of a credit card transaction in the U.S. 2012-2023, in USD
  • Premium Statistic Quarterly value of credit available on credit cards in the U.S. 2010-2025
  • Premium Statistic Visa, Mastercard, Amex, Discover purchase volume in the U.S. 2010-2024

Schemes

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  • Premium Statistic Biggest international and domestic payment card schemes in the U.S. 2016-2024
  • Premium Statistic Visa, Mastercard, Amex, Discover market share against each other in U.S. 2007-2024
  • Premium Statistic Apple Card user demographics in the U.S. 2023, by age, gender, income, race
  • Premium Statistic Quarterly number of Visa issued credit cards in U.S. and worldwide 2008-2025
  • Premium Statistic Quarterly number of Mastercard issued credit cards in U.S. and worldwide 2006-2025
  • Premium Statistic Annual number of AmEx issued credit cards in the U.S. and worldwide 2015-2024

Issuers and acquirers

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  • Premium Statistic Biggest card issuers - credit cards and debit cards - in the U.S. 2023
  • Premium Statistic Biggest credit card issuers in the U.S. 2007-2025, based on purchase volume
  • Premium Statistic Biggest commercial card issuers in the U.S. 2019-2024, based on purchase volume
  • Premium Statistic Biggest merchant acquirers in the U.S. 2015-2024, based on number of transactions
  • Premium Statistic Credit card processing fees in the U.S. in 2024, by brand

Debt

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  • Premium Statistic Quarterly credit card debt in the U.S. 2010-2026
  • Premium Statistic Credit card debt in the different states of the U.S. 2025
  • Basic Statistic Value of revolving credit outstanding in the U.S. 1995-2025
  • Premium Statistic Main source of non-mortgage debt among consumers in the U.S. 2024
  • Premium Statistic Emergency bill: savings, credit card, borrow vs personal loan U.S. 2023

Delinquency

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  • Premium Statistic Average credit score in the U.S. 2005-2025
  • Premium Statistic Quarterly delinquency rates of credit cards and mortgages in the U.S. 2012-2026
  • Premium Statistic Quarterly credit card loan delinquency rates in the U.S. 1991-2026
  • Premium Statistic Monthly commercial bank interest rate on credit card plans in the U.S. 1994-2026
  • Premium Statistic Value of loans by commercial banks in the U.S. 2026, by type

Rewards and co-branding

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  • Premium Statistic Importance of customer loyalty programs in brand choice in the U.S. 2024
  • Premium Statistic Loyalty program benefits most attractive to consumers in the U.S. 2024, by age
  • Premium Statistic Leading types of loyalty programs in the U.S. 2024
  • Basic Statistic Target: revenues in the U.S. 2017-2025 by source
  • Premium Statistic Loyalty program revenues of U.S. airlines 2024

Fraud

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  • Premium Statistic Card fraud in the U.S. versus rest of the world 2014-2023, with global forecasts 2028
  • Premium Statistic Quarterly value of fraud loss across different payment methods in U.S. 2020-2025
  • Basic Statistic U.S. most common financial cybercrime or fraud victims 2023
  • Premium Statistic Most reported cybercrime U.S. 2025
  • Basic Statistic Leading cybercrime victim losses U.S. 2025, by type of crime
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