Credit Card Statistics. Published by Central Bank of Ireland. Available under the license Creative Commons Attribution 4.0 (CC-BY-4.0).The Credit Card Statistics provide data in relation to monthly credit card transactions. A breakdown of the number of credit cards issued to Irish residents is also provided....

Roughly one out of three of all Visa credit cards issued worldwide were found within the United States, as of the first quarter of 2025. The value inside the U.S. has remained constant over the past few years. In the third quarter of 2016, the number of international cards increased by over 25 percent. Why does the number of cards matter? The number of cards gives a crude idea of market saturation. For example, the number of cards in the United States is close to the total population, meaning that there is one VISA credit card for every man, woman, and child in that country. While many have more than one credit card and small children probably will not use such payment methods, this still gives a rough idea that the U.S. market may not hold much growth potential. International credit card market The world market has billions more consumers than the United States, but the number of Visa cards in circulation does not reflect this. The main reason is that other credit companies, such as MasterCard, are present in these markets. Moreover, lower rates of credit card ownership can be observed in many countries. Fintech companies, working on innovative ways of providing credit to consumers, should also be considered.

Credit Card Transaction: Quarterly: Volume data was reported at 9,502.716 Unit mn in Jun 2022. This records an increase from the previous number of 9,301.651 Unit mn for Mar 2022. Credit Card Transaction: Quarterly: Volume data is updated quarterly, averaging 6,627.430 Unit mn from Mar 2019 (Median) to Jun 2022, with 14 observations. The data reached an all-time high of 9,502.716 Unit mn in Jun 2022 and a record low of 4,705.638 Unit mn in Jun 2020. Credit Card Transaction: Quarterly: Volume data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Global Database’s Brazil – Table BR.KAA001: Credit Card Statistics.

Credit card debt in the United States has been growing at a fast pace between 2021 and 2025. In the fourth quarter of 2024, the overall amount of credit card debt reached its highest value throughout the timeline considered here. COVID-19 had a big impact on the indebtedness of Americans, as credit card debt decreased from *** billion U.S. dollars in the last quarter of 2019 to *** billion U.S. dollars in the first quarter of 2021. What portion of Americans use credit cards? A substantial portion of Americans had at least one credit card in 2025. That year, the penetration rate of credit cards in the United States was ** percent. This number increased by nearly seven percentage points since 2014. The primary factors behind the high utilization of credit cards in the United States are a prevalent culture of convenience, a wide range of reward schemes, and consumer preferences for postponed payments. Which companies dominate the credit card issuing market? In 2024, the leading credit card issuers in the U.S. by volume were JPMorgan Chase & Co. and American Express. Both firms recorded transactions worth over one trillion U.S. dollars that year. Citi and Capital One were the next banks in that ranking, with the transactions made with their credit cards amounting to over half a trillion U.S. dollars that year. Those industry giants, along with other prominent brand names in the industry such as Bank of America, Synchrony Financial, Wells Fargo, and others, dominate the credit card market. Due to their extensive customer base, appealing rewards, and competitive offerings, they have gained a significant market share, making them the preferred choice for consumers.

Daily Card Payments by Irish Households. A subset of the monthly Card Payment Statistics. The onset of the Covid-19 pandemic created the need for timely, high-frequency data, such as the Daily Credit and Debit Card Statistics, to better understand the impact of the pandemic on personal expenditure and economic activity. This high-frequency daily Credit and Debit Data captures expenditure of euro-denominated credit and debit cards issued to Irish residents. The dataset consists of total daily debit and credit card spending and ATM withdrawals, while from 1 October 2020, expenditure in a number of key sectors of the economy, and a split of online and in-store spending is also available.

Credit Card: Domestic Banks: Commission: Transaction data was reported at 2,933.000 NTD mn in Sep 2018. This records a decrease from the previous number of 3,130.000 NTD mn for Aug 2018. Credit Card: Domestic Banks: Commission: Transaction data is updated monthly, averaging 1,754.000 NTD mn from Jun 2004 (Median) to Sep 2018, with 172 observations. The data reached an all-time high of 3,130.000 NTD mn in Aug 2018 and a record low of 870.820 NTD mn in Feb 2007. Credit Card: Domestic Banks: Commission: Transaction data remains active status in CEIC and is reported by Banking Bureau, Financial Supervisory Commission. The data is categorized under Global Database’s Taiwan – Table TW.KA027: Credit Card Statistics.

Introduction

Credit Card Statistics: A credit card is a widely used financial tool that allows consumers to make purchases or withdraw cash on credit, accruing debt to be repaid later. As of Q4 2024, Americans held approximately USD 1.21 trillion in credit card debt, marking a 4% increase from the previous year. The average credit card balance per consumer reached USD 6,730, up by 3.5% from 2023.

In the same period, the number of credit card accounts in the U.S. rose to about 617 million. Globally, Visa and Mastercard have approximately 1.3 billion and 1.1 billion credit cards in circulation, respectively. Credit cards accounted for 32% of all payment transactions in 2023, reflecting their significant role in consumer spending. However, 22% of credit card users make only minimum payments, indicating potential financial strain. Additionally, credit card delinquency rates rose to 3.6% in Q4 2024, highlighting challenges in debt repayment. These statistics underscore the importance of responsible credit card usage and financial management.

Credit cards also allow customers to build a debt balance that is related to the interest being charged. Let’s shed more light on “Credit Card Statistics†through this article.

The market size for credit cards in the United States grew by over *** percent between 2022 and 2023, a continuation of previous years. This according to estimates from on the value of transactions conducted with cards with a credit function. Credit cards are the most popular payment method available in the country for several years in a row, with a market share that slightly increased during the first year of COVID-19. The United States' credit card penetration is forecast to reach more than ** percent come 2025.

Credit Card: VT: Bank Affiliated: Personal: Lump Sum Payments data was reported at 20,755,933.000 KRW mn in Apr 2018. This records a decrease from the previous number of 21,137,159.000 KRW mn for Mar 2018. Credit Card: VT: Bank Affiliated: Personal: Lump Sum Payments data is updated monthly, averaging 11,439,943.000 KRW mn from Jan 2003 (Median) to Apr 2018, with 184 observations. The data reached an all-time high of 21,137,159.000 KRW mn in Mar 2018 and a record low of 4,112,347.000 KRW mn in Feb 2003. Credit Card: VT: Bank Affiliated: Personal: Lump Sum Payments data remains active status in CEIC and is reported by The Bank of Korea. The data is categorized under Global Database’s Korea – Table KR.KA032: Credit Card Statistics: The Bank of Korea.

Credit card statistics by age group (Financial Information Service Co., Ltd.)

MY: Credit Cards: No of Cards in Circulation: Supplementary Cardholder data was reported at 1.059 Unit mn in 2017. This records an increase from the previous number of 0.999 Unit mn for 2016. MY: Credit Cards: No of Cards in Circulation: Supplementary Cardholder data is updated yearly, averaging 0.881 Unit mn from Dec 1992 (Median) to 2017, with 26 observations. The data reached an all-time high of 1.243 Unit mn in 2009 and a record low of 0.200 Unit mn in 1992. MY: Credit Cards: No of Cards in Circulation: Supplementary Cardholder data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.KA012: Credit Card Statistics: Annual.

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This statistic presents a timeline with the share of individuals who owned a credit card in Mexico between 2011 and 2017. In 2017, approximately **** percent of Mexicans owned a credit card, down from over ***** percent in 2014.

Predict revenue surprises, track market share, and compare performance metrics for thousands of companies based on anonymized debit and credit card data of millions of US households. Orion data is sourced from a variety of US financial institutions with broad geographic and demographic representation, combined to create one of the most comprehensive and accurate views of the consumer economy. AI-powered earnings predictions available for over 450 tickers on this dataset through EarnestAI Reported Metric Predictions.

Graph and download economic data for Sources of Revenue: Credit Card Income from Consumers for Credit Intermediation and Related Activities, All Establishments, Employer Firms (REVCICEF522ALLEST) from 2013 to 2022 about intermediate, employer firms, finance companies, credit cards, accounting, consumer credit, companies, revenue, establishments, finance, financial, loans, consumer, income, services, and USA.

The monthly card payment statistics provide data in relation to credit and debit card transactions undertaken by Irish resident households. The data includes the monthly value and volume of transactions across both credit and debit cards by Irish households. The data is collected from issuers of credit and debit cards and specifically from reporting agents that are resident in Ireland (including established foreign branches). The aggregate data is further broken down into, remote and non-remote card spending; contactless and mobile wallet card spending; sectoral card spending; domestic and non-domestic card spending; regional card spending in Ireland; and cash withdrawals. A breakdown of the number of credit & debit cards currently issued to Irish residents is also provided. Note, only Personal Cards are in scope for this reporting, business cards and cards issued to non-Irish residents are not included. Additionally, data files uploaded here follow the SDMX –ML format where Series Key are the primary identifier for a reporting period (Date for which the data is reported is represented in the Reporting Period field). For example : PCI.M.IE.W2.PCS_ALL.11.PN is the series key and each element/dimension between the delimiter “.” is expanded with a description in subsequent columns ending with the subscript “DESC” to understand the meaning of each element/dimension. The Observation_free column represents the value (€ EUR) or Volume (PN) of transactions depending on the last element/dimension, EUR or PN. For further information on the Payment Statistics Monthly, the reporting instructions in the Landing page link has additional details about the table and the column names used in this data collection.

Credit Card Accounts in the United States increased to 636.03 Million in the second quarter of 2025 from 631.39 Million in the first quarter of 2025. This dataset includes a chart with historical data for the United States Credit Card Accounts.

Graph and download economic data for Commercial Bank Interest Rate on Credit Card Plans, All Accounts (TERMCBCCALLNS) from Nov 1994 to May 2025 about credit cards, consumer credit, loans, consumer, banks, interest rate, depository institutions, interest, rate, and USA.

Canada was one of three countries worldwide in 2021, where credit card ownership among consumers 15 years and up was over ** percent. This according to a major survey held once every three years in over 140 different countries. The results highlight the major differences in how countries prefer to pay: In Europe, for instance, the Nordics, Luxembourg, and the United Kingdom are regarded as top credit card countries, whereas the Netherlands ranked significantly lower than all these countries. Credit card usage Cardholders use their credit cards for billions of purchase transactions per year. Some do this to avoid carrying cash around, while others carry out transactions. Many also use credit cards because they do not have to pay immediately. While this can help with monthly cash flow issues, it can also lead to credit card debt that can take years to pay off. Regional differences in credit cards Some counties have a culture of credit card usage. For example, the leading credit card companies in the United States have issued hundreds of millions of credit cards, more than the number of U.S. citizens. Other countries do not have the culture of non-cash transactions. Overcoming this requires both an investment in payment infrastructure and putting people in the habit of using cards instead of cash.

Daily, weekly and monthly data showing seasonally adjusted and non-seasonally adjusted UK spending using debit and credit cards. These are official statistics in development. Source: CHAPS, Bank of England.