Credit Card Industry Statistics (2026): Revenue, Growth & Trends

Highlights. In 2025, the average credit card annual percentage rate (APR) was 22.32%.

81% of American adults have at least one general-use credit card.
Worldwide, credit cardholders total 1.25 billion.
221.2 million credit cardholders live in the U.S.
Consumers with reward credit cards earn an average of 1.6% cash back.
American consumers put $6.49 trillion on their credit cards in 2025, spending $17.79 billion daily.

Line Graph: Average U.S. Credit Card APR from 2015 (13.66%) to 2026 (21.52%) according to the Federal Reserve Board of Governors

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Credit Card Industry Finances

The credit card industry had an estimated combined global market value by purchase volume of $21.0 trillion in 2025.

Projections indicate that by 2030, the consumer credit card market will be worth $24.9 trillion.
The American credit card industry had a 2024 purchase volume of $5.92 trillion.
Projections indicate that in 2029, the U.S. credit card market will be worth $7.10 trillion.

Top Credit Card Issuers* by Total Payment Volume in Billions
Issuer	2024 Transactions	2025 Transactions
Chase	$1,344	$1,447
Capital One	$610	$792
Citibank	$616	$639
Bank of America	$502	$510
Wells Fargo	$208	$220
U.S. Bank	$211	$219

*This table excludes the four major credit card processors.

Credit Card Issuer Statistics

The credit card market is generally separated into two industries: issuing and processing; credit card issuers administer credit programs.

In the United States, 128 different companies issue credit cards.
The ten (10) largest U.S. credit card issuers processed payments totaling $5.34 trillion in 2025.
The Top 10 credit card issuers process 82.3% of the total market payment volume.
JP Morgan Chase is the largest credit card issuer in terms of the number of accounts, with 197.4 million active accounts in 2024.
The largest credit card issuer in terms of payment volume is Chase, which facilitated $1.45 trillion in 2025 payments.
Financial institutions are unlikely to issue credit cards to consumers with credit scores below 660.

2025 Major Credit Card Processors
Company	Payment Volume (in billions)	Number of Cards (in millions)
Visa	$16,383	4,805
Mastercard	$10,600	3,391
American Express	$1,897	152.8
Discover	$401.8	378

Credit Card Processor Statistics

Four major credit card processors facilitate most consumer credit transactions in the United States with cards from hundreds of different issuers.

7,702 companies process credit cards and money transfers.
The most widely used credit card network is Visa, with 4.81 billion cards active worldwide.
American Express is the only credit card processor that is also a top issuer.
The four major processors facilitated $29.3 trillion in consumer transactions in 2025.
The three major credit card processors (Visa, Mastercard, and American Express) in the United States are collectively valued at $1.328 trillion†.
Credit card processors employ over 227,000 workers worldwide.
At least 30% of these employees work in the United States.
One or more networks cover over 200 international markets.

†Note that market values include other financial markets beyond consumer credit.

Mastercard Statistics

The second-most widely used credit card network worldwide is Mastercard Inc.

Mastercard’s revenue for fiscal year (FY) 2025 was $32.791 billion, up 16.4% YoY.
Consumers charged a total of $3.878 trillion to their Mastercard credit cards in FY 2025.
Mastercard processed a cumulative $5.349 trillion on consumer debit and prepaid cards.
Under the Mastercard brand, 3.391 billion consumer and commercial cards are active globally.
Mastercard directly employs 39,800 workers worldwide, not including 6,000 contractors.
In the United States, Mastercard directly employs approximately 11,940 workers.
Mastercard Inc. has an aggregate market value of $505.0 billion.

Line Graph: Quarterly Average U.S. Credit Card APR from 2023 Q1 (20.92%) to 2025 Q2 (22.25%) according to the Federal Reserve Board of Governors

Visa Card Statistics

Visa Inc. is the most widely used credit card network in the world.

Visa’s revenue for FY 2025 was $40.0 billion, up 11.3% YoY.
Consumers charged a total of $5.604 trillion to their Visa credit cards in FY 2025.
Visa processed $6.551 trillion in consumer debit transactions.
The total number of transactions Visa processed reached 257.545 billion in FY 2025.
4.805 billion Visa cards are active worldwide.
Visa directly employs 34,100 workers worldwide.
Visa Inc. has an aggregate market value of $601.1 billion.

Line Graph: Historical Quarterly Average U.S. Credit Card APR from 1995 Q1 (15.28%) to 2026 Q1 (22.52%) with a period low in 2003 Q1 (11.96%)

American Express Statistics

American Express is the third-largest credit card processor.

American Express’ revenue for FY 2025 totaled $72.229 billion, up 9.52% YoY.
After expenses totaling $53.178 billion, American Express netted $10.833 billion, up 6.95% YoY.
Globally, American Express cardholders owed $151.832 billion in credit card debt at the end of 2025.
U.S. cardholders owed $135.597 billion or 89.3% of American Express users’ credit card balances at the end of 2025.
Global American Express cardholders owed 8.70% more at the end of 2025 than they did in 2024.
American Express has issued 86.6 million proprietary cards active worldwide.
66.2 million of active American Express cards were issued by third-party institutions.
American Express employs 76,800 people; 25,900 or 33.7% work in the United States.
$221.8 billion is the aggregate market value of the American Express Company.

Grouped Bar Graph: Credit Scores Among U.S. Cardholders among credit cardholders and all according to the Consumer Financial Protection Bureau

Discover Card Statistics

The smallest of the four major credit card networks, Discover Financial Services, was acquired by Capital One in 2025.

The Discover network’s global payment volume totaled $401.775 billion in 2025.
In the U.S., Discover processed $209 billion in payments.
Capital One’s revenue for FY 2025 totaled $53.434 billion, up 36.6% YoY, due in part to the acquisition of Discover Financial Services.
Capital One made $31.822 billion from credit card interest in 2025, up 44.1% YoY.
Capital One Financial Corporation has an aggregate market value of $135.2 billion.
76,300 employees work for Capital One.

20 Highest Credit Card User Penetration Rates Worldwide
Country	2021 Rates	2025 Projections
Canada	82.7%	85.2%
Israel	79.1%	81.1%
Iceland	74.0%	76.8%
Hong Kong SAR	71.6%	78.4%
Japan	69.7%	71.4%
Luxembourg	69.4%	68.8%
Switzerland	69.2%	76.8%
South Korea	68.4%	73.9%
Norway	66.7%	64.8%
United States (U.S.)	66.7%	68.3%
Finland	65.3%	66.9%
Taiwan, province of China	63.8%	74.9%
United Kingdom (UK)	62.1%	63.1%
Austria	59.0%	73.0%
Denmark	58.5%	71.1%
Italy	57.9%	78.8%
New Zealand	57.2%	55.1%
Spain	56.6%	62.0%
Germany	56.5%	65.2%
Ireland	55.0%	57.0%

Credit Card Consumer Statistics

There are enough active credit and debit cards in the world for every living adult to have at least one.

Cumulative daily credit card transactions in the U.S. number an estimated 156.1 million.
More than 221 million, or 81% of U.S. adults, have a credit card account in their name.
The average U.S. cardholder carries 3.7 cards and makes 271 credit card purchases per year.
Collectively, American credit card network and issuer portfolios are worth $1.252 trillion as of the first fiscal quarter (Q1) in 2026.
Credit cards are used in 40% of in-store transactions in the United States.
American consumers have 647.96 million active credit card accounts, enough for every American adult to have 2.4 cards.
The number of active credit card accounts increased 42.2% between 2005 and 2025.

Bar Graph: World's Largest Credit Card Issuer Portfolios in billions according to Nilson Report

Credit Card Industry by State

Most states are home to at least one business operating within the credit card industry.

As of 2026, New York has the highest credit card industry market value at $53.1 billion.
States with the highest-valued credit card issuing industry are Virginia ($47.5 billion), New York ($39.7 billion), and Delaware ($24.2 billion).
States with the highest-valued credit card processing industry are California ($37.0 billion), New York ($13.4 billion), and Georgia ($12.9 billion).
The states with the highest estimate of total consumer credit cards in force are California (97.2 million), Texas (75.1 million), and Florida (62.4 million).

National Map: Credit Card Industry Value by state according to IBISWorld

Alabama Credit Card Industry Statistics

The credit card issuing and processing industries in Alabama have a combined market value of $1.57 billion as of 2026.

The credit card issuing industry in Alabama is worth an estimated $1.40 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $171.6 million.
Combined, these Alabama industries directly employ 664.
The average cardholder in Alabama carries 3.3 cards as of 2025, down from 3.5 in 2023.
As of 2025, Alabama consumers carry an estimated total 11.0 million cards.

Alaska Credit Card Industry Statistics

The credit card issuing and processing industries in Alaska have a combined market value of $58.8 million as of 2026.

The credit card issuing industry in Alaska is worth an estimated $53.8 million.
The state’s credit card processing and money transferring industry is valued at an estimated $5.0 million.
Combined, these Alaska industries directly employ 65.
The average cardholder in Alaska carries 3.1 cards as of 2025, down from 3.2 cards in 2023.
As of 2025, Alaska consumers carry an estimated total 1.44 million cards.

Arizona Credit Card Industry Statistics

The credit card issuing and processing industries in Arizona have a combined market value of $4.7 billion as of 2026.

The credit card issuing industry in Arizona is worth an estimated $1.0 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $3.7 billion.
Combined, these Arizona industries directly employ 14,558.
The average cardholder in Arizona carries 3.7 cards as of 2025, down from 3.9 cards in 2023.
As of 2025, Arizona consumers carry an estimated total 18.3 million cards.

Arkansas Credit Card Industry Statistics

The credit card issuing and processing industries in Arkansas have a combined market value of $385.6 million as of 2026.

The credit card issuing industry in Arkansas is worth an estimated $219.3 million.
The state’s credit card processing and money transferring industry is valued at an estimated $166.3 million.
Combined, these Arkansas industries directly employ 1,151.
The average cardholder in Arkansas carries 3.3 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, Arkansas consumers carry an estimated total 6.54 million cards.

California Credit Card Industry Statistics

The credit card issuing and processing industries in California have a combined market value of $39.1 billion as of 2026.

The credit card issuing industry in California is worth an estimated $2.1 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $37.0 billion.
Combined, these California industries directly employ 31,716.
The average cardholder in California carries 3.8 cards as of 2025, down from 4.0 cards in 2023.
As of 2025, California consumers carry an estimated total 97.2 million cards.

Colorado Credit Card Industry Statistics

The credit card issuing and processing industries in Colorado have a combined market value of $9.2 billion as of 2026.

The credit card issuing industry in Colorado is worth an estimated $1.0 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $8.2 billion.
Combined, these Colorado industries directly employ 10,961.
The average cardholder in Colorado carries 3.6 cards as of 2025, down from 3.7 cards in 2023.
As of 2025, Colorado consumers carry an estimated total 14.1 million cards.

Connecticut Credit Card Industry Statistics

The credit card issuing and processing industries in Connecticut have a combined market value of $1.51 billion as of 2026.

The credit card issuing industry in Connecticut is worth an estimated $1.0 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $512.9 million.
Combined, these Connecticut industries directly employ 1,622.
The average cardholder in Connecticut carries 4.0 cards as of 2025, down from 4.2 cards in 2023.
As of 2025, Connecticut consumers carry an estimated total 9.74 million cards.

Delaware Credit Card Industry Statistics

The credit card issuing and processing industries in Delaware have a combined market value of $25.6 billion as of 2026.

The credit card issuing industry in Delaware is worth an estimated $24.2 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $1.4 billion.
Combined, these Delaware industries directly employ 6,716.
The average cardholder in Delaware carries 4.0 cards as of 2025, down from 4.2 cards in 2023.
As of 2025, Delaware consumers carry an estimated total 2.79 million cards.

Florida Credit Card Industry Statistics

The credit card issuing and processing industries in Florida have a combined market value of $11.9 billion as of 2026.

The credit card issuing industry in Florida is worth an estimated $3.4 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $8.5 billion.
Combined, these Florida industries directly employ 19,548.
The average cardholder in Florida carries 4.0 cards as of 2025, down from 4.3 cards in 2023.
As of 2025, Florida consumers carry an estimated total 62.4 million cards.

Georgia Credit Card Industry Statistics

The credit card issuing and processing industries in Georgia have a combined market value of $16.3 billion as of 2026.

The credit card issuing industry in Georgia is worth an estimated $3.4 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $12.9 billion.
Combined, these Georgia industries directly employ 17,730.
The average cardholder in Georgia carries 3.7 cards as of 2025, down from 3.9 cards in 2023.
As of 2025, Georgia consumers carry an estimated total 26.7 million cards.

National Map: Credit Card Industry Employment by State according to IBISWorld

Hawaii Credit Card Industry Statistics

The credit card issuing and processing industries in Hawaii have a combined market value of $84.7 million as of 2026.

The credit card issuing industry in Hawaii is worth an estimated $64.1 million.
The state’s credit card processing and money transferring industry is valued at an estimated $20.6 million.
Combined, these Hawaii industries directly employ 94.
The average cardholder in Hawaii carries 3.5 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, Hawaii consumers carry an estimated total 3.3 million cards.

Idaho Credit Card Industry Statistics

The credit card issuing and processing industries in Idaho have a combined market value of $408.0 million as of 2026.

The credit card issuing industry in Idaho is worth an estimated $308.2 million.
The state’s credit card processing and money transferring industry is valued at an estimated $99.8 million.
Combined, these Idaho industries directly employ 607.
The average cardholder in Idaho carries 3.4 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, Idaho consumers carry an estimated total 4.34 million cards.

Illinois Credit Card Industry Statistics

The credit card issuing and processing industries in Illinois have a combined market value of $8.1 billion as of 2026.

The credit card issuing industry in Illinois is worth an estimated $4.5 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $3.6 billion.
Combined, these Illinois industries directly employ 9,170.
The average cardholder in Illinois carries 3.9 cards as of 2025, down from 4.1 cards in 2023.
As of 2025, Illinois consumers carry an estimated total 32.3 million cards.

Indiana Credit Card Industry Statistics

The credit card issuing and processing industries in Indiana have a combined market value of $1.33 billion as of 2026.

The credit card issuing industry in Indiana is worth an estimated $126.5 million.
The state’s credit card processing and money transferring industry is valued at an estimated $1.2 billion.
Combined, these Indiana industries directly employ 1,995.
The average cardholder in Indiana carries 3.5 cards as of 2025, down from 3.7 cards in 2023.
As of 2025, Indiana consumers carry an estimated total 15.5 million cards.

Iowa Credit Card Industry Statistics

The credit card issuing and processing industries in Iowa have a combined market value of $1.51 billion as of 2026.

The credit card issuing industry in Iowa is worth an estimated $310.8 million.
The state’s credit card processing and money transferring industry is valued at an estimated $1.2 billion.
Combined, these Iowa industries directly employ 2,369.
The average cardholder in Iowa carries 3.3 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, Iowa consumers carry an estimated total 6.81 million cards.

Kansas Credit Card Industry Statistics

The credit card issuing and processing industries in Kansas have a combined market value of $1.64 billion as of 2026.

The credit card issuing industry in Kansas is worth an estimated $943.7 million.
The state’s credit card processing and money transferring industry is valued at an estimated $694.1 million.
Combined, these Kansas industries directly employ 2,301.
The average cardholder in Kansas carries 3.5 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, Kansas consumers carry an estimated total 6.59 million cards.

Kentucky Credit Card Industry Statistics

The credit card issuing and processing industries in Kentucky have a combined market value of $1.18 billion as of 2026.

The credit card issuing industry in Kentucky is worth an estimated $234.0 million.
The state’s credit card processing and money transferring industry is valued at an estimated $950.7 million.
Combined, these Kentucky industries directly employ 3,779.
The average cardholder in Kentucky carries 3.4 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, Kentucky consumers carry an estimated total 10.0 million cards.

Louisiana Credit Card Industry Statistics

The credit card issuing and processing industries in Louisiana have a combined market value of $260.0 million as of 2026.

The credit card issuing industry in Louisiana is worth an estimated $94.3 million.
The state’s credit card processing and money transferring industry is valued at an estimated $165.7 million.
Combined, these Louisiana industries directly employ 285.
The average cardholder in Louisiana carries 3.3 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, Louisiana consumers carry an estimated total 9.66 million cards.

Maine Credit Card Industry Statistics

The credit card issuing and processing industries in Maine have a combined market value of $1.7 billion as of 2026.

The credit card issuing industry in Maine is worth an estimated $1.0 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $702.2 million.
Combined, these Maine industries directly employ 4,127.
The average cardholder in Maine carries 3.4 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, Maine consumers carry an estimated total 3.26 million cards.

National Map: Active Consumer Credit Cards according to Experian and the U.S. Census Bureau

Maryland Credit Card Industry Statistics

The credit card issuing and processing industries in Maryland have a combined market value of $8.0 billion as of 2026.

The credit card issuing industry in Maryland is worth an estimated $3.7 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $5.3 billion.
Combined, these Maryland industries directly employ 8,841.
The average cardholder in Maryland carries 3.7 cards as of 2025, down from 3.9 cards in 2023.
As of 2025, Maryland consumers carry an estimated total 15.0 million cards.

Massachusetts Credit Card Industry Statistics

The credit card issuing and processing industries in Massachusetts have a combined market value of $1.64 billion as of 2026.

The credit card issuing industry in Massachusetts is worth an estimated $771.1 million.
The state’s credit card processing and money transferring industry is valued at an estimated $870.3 million.
Combined, these Massachusetts industries directly employ 1,372.
The average cardholder in Massachusetts carries 3.7 cards as of 2025, down from 3.9 cards in 2023.
As of 2025, Massachusetts consumers carry an estimated total 17.7 million cards.

Michigan Credit Card Industry Statistics

The credit card issuing and processing industries in Michigan have a combined market value of $1.05 billion as of 2026.

The credit card issuing industry in Michigan is worth an estimated $252.7 million.
The state’s credit card processing and money transferring industry is valued at an estimated $796.8 million.
Combined, these Michigan industries directly employ 1,839.
The average cardholder in Michigan carries 3.6 cards as of 2025, down from 3.8 cards in 2023.
As of 2025, Michigan consumers carry an estimated total 23.8 million cards.

Minnesota Credit Card Industry Statistics

The credit card issuing and processing industries in Minnesota have a combined market value of $1.44 billion as of 2026.

The credit card issuing industry in Minnesota is worth an estimated $43.0 million.
The state’s credit card processing and money transferring industry is valued at an estimated $1.4 billion.
Combined, these Minnesota industries directly employ 2,773.
The average cardholder in Minnesota carries 3.5 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, Minnesota consumers carry an estimated total 13.1 million cards.

Mississippi Credit Card Industry Statistics

The credit card issuing and processing industries in Mississippi have a combined market value of $206.3 million as of 2026.

The credit card issuing industry in Mississippi is worth an estimated $148.8 million.
The state’s credit card processing and money transferring industry is valued at an estimated $57.5 million.
Combined, these Mississippi industries directly employ 222.
The average cardholder in Mississippi carries 3.2 cards as of 2025, down from 3.4 cards in 2023.
As of 2025, Mississippi consumers carry an estimated total 6.02 million cards.

Missouri Credit Card Industry Statistics

The credit card issuing and processing industries in Missouri have a combined market value of $6.8 billion as of 2026.

The credit card issuing industry in Missouri is worth an estimated $1.8 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $5.0 billion.
Combined, these Missouri industries directly employ 8,108.
The average cardholder in Missouri carries 3.6 cards as of 2025, down from 3.8 cards in 2023.
As of 2025, Missouri consumers carry an estimated total 14.5 million cards.

Montana Credit Card Industry Statistics

The credit card issuing and processing industries in Montana have a combined market value of $141.8 million as of 2026.

The credit card issuing industry in Montana is worth an estimated $87.7 million.
The state’s credit card processing and money transferring industry is valued at an estimated $54.1 million.
Combined, these Montana industries directly employ 77.
The average cardholder in Montana carries 3.3 cards as of 2025, down from 3.4 cards in 2023.
As of 2025, Montana consumers carry an estimated total 2.47 million cards.

Nebraska Credit Card Industry Statistics

The credit card issuing and processing industries in Nebraska have a combined market value of $9.36 billion as of 2026.

The credit card issuing industry in Nebraska is worth an estimated $464.9 million.
The state’s credit card processing and money transferring industry is valued at an estimated $8.9 billion.
Combined, these Nebraska industries directly employ 14,125.
The average cardholder in Nebraska carries 3.6 cards as of 2025, down from 3.7 cards in 2023.
As of 2025, Nebraska consumers carry an estimated total 4.54 million cards.

Nevada Credit Card Industry Statistics

The credit card issuing and processing industries in Nevada have a combined market value of $3.5 billion as of 2026.

The credit card issuing industry in Nevada is worth an estimated $1.5 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $2.0 billion.
Combined, these Nevada industries directly employ 2,296.
The average cardholder in Nevada carries 3.9 cards as of 2025, down from 4.1 cards in 2023.
As of 2025, Nevada consumers carry an estimated total 8.33 million cards.

New Hampshire Credit Card Industry Statistics

The credit card issuing and processing industries in New Hampshire have a combined market value of $237.8 million as of 2026.

The credit card issuing industry in New Hampshire is worth an estimated $165.7 million.
The state’s credit card processing and money transferring industry is valued at an estimated $72.1 million.
Combined, these New Hampshire industries directly employ 162.
The average cardholder in New Hampshire carries 3.8 cards as of 2025, down from 3.9 cards in 2023.
As of 2025, New Hampshire consumers carry an estimated total 3.65 million cards.

New Jersey Credit Card Industry Statistics

The credit card issuing and processing industries in New Jersey have a combined market value of $2.44 billion as of 2026.

The credit card issuing industry in New Jersey is worth an estimated $239.8 million.
The state’s credit card processing and money transferring industry is valued at an estimated $2.2 billion.
Combined, these New Jersey industries directly employ 3,685.
The average cardholder in New Jersey carries 4.2 cards as of 2025, down from 4.5 cards in 2023.
As of 2025, New Jersey consumers carry an estimated total 26.0 million cards.

New Mexico Credit Card Industry Statistics

The credit card issuing and processing industries in New Mexico have a combined market value of $150.2 million as of 2026.

The credit card issuing industry in New Mexico is worth an estimated $111.6 million.
The state’s credit card processing and money transferring industry is valued at an estimated $38.6 million.
Combined, these New Mexico industries directly employ 140.
The average cardholder in New Mexico carries 3.4 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, New Mexico consumers carry an estimated total 4.7 million cards.

New York Credit Card Industry Statistics

The credit card issuing and processing industries in New York have a combined market value of $53.1 billion as of 2026.

The credit card issuing industry in New York is worth an estimated $39.7 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $13.4 billion.
Combined, these New York industries directly employ 25,854.
The average cardholder in New York carries 3.9 cards as of 2025, down from 4.1 cards in 2023.
As of 2025, New York consumers carry an estimated total 51.5 million cards.

National Map: Average Number of Credit Cards per Cardholder according to Experian

North Carolina Credit Card Industry Statistics

The credit card issuing and processing industries in North Carolina have a combined market value of $2.6 billion as of 2026.

The credit card issuing industry in North Carolina is worth an estimated $1.4 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $1.2 billion.
Combined, these North Carolina industries directly employ 2,835.
The average cardholder in North Carolina carries 3.6 cards as of 2025, down from 3.8 cards in 2023.
As of 2025, North Carolina consumers carry an estimated total 26.1 million cards.

North Dakota Credit Card Industry Statistics

The credit card issuing and processing industries in North Dakota have a combined market value of $230.5 million as of 2026.

The credit card issuing industry in North Dakota is worth an estimated $64.0 million.
The state’s credit card processing and money transferring industry is valued at an estimated $166.5 million.
Combined, these North Dakota industries directly employ 1,432.
The average cardholder in North Dakota carries 3.4 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, North Dakota consumers carry an estimated total 1.72 million cards.

Ohio Credit Card Industry Statistics

The credit card issuing and processing industries in Ohio have a combined market value of $8.0 billion as of 2026.

The credit card issuing industry in Ohio is worth an estimated $3.8 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $4.2 billion.
Combined, these Ohio industries directly employ 13,838.
The average cardholder in Ohio carries 3.8 cards as of 2025, down from 4.0 cards in 2023.
As of 2025, Ohio consumers carry an estimated total 29.2 million cards.

Oklahoma Credit Card Industry Statistics

The credit card issuing and processing industries in Oklahoma have a combined market value of $198.4 million as of 2026.

The credit card issuing industry in Oklahoma is worth an estimated $27.6 million.
The state’s credit card processing and money transferring industry is valued at an estimated $170.8 million.
Combined, these Oklahoma industries directly employ 480.
The average cardholder in Oklahoma carries 3.3 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, Oklahoma consumers carry an estimated total 8.57 million cards.

Oregon Credit Card Industry Statistics

The credit card issuing and processing industries in Oregon have a combined market value of $876.8 million as of 2026.

The credit card issuing industry in Oregon is worth an estimated $73.1 million.
The state’s credit card processing and money transferring industry is valued at an estimated $803.7 million.
Combined, these Oregon industries directly employ 969.
The average cardholder in Oregon carries 3.3 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, Oregon consumers carry an estimated total 9.37 million cards.

Pennsylvania Credit Card Industry Statistics

The credit card issuing and processing industries in Pennsylvania have a combined market value of $3.8 billion as of 2026.

The credit card issuing industry in Pennsylvania is worth an estimated $1.9 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $1.9 billion.
Combined, these Pennsylvania industries directly employ 3,512.
The average cardholder in Pennsylvania carries 3.8 cards as of 2025, down from 4.0 cards in 2023.
As of 2025, Pennsylvania consumers carry an estimated total 32.7 million cards.

Rhode Island Credit Card Industry Statistics

The credit card issuing and processing industries in Rhode Island have a combined market value of $171.0 million as of 2026.

The credit card issuing industry in Rhode Island is worth an estimated $80.9 million.
The state’s credit card processing and money transferring industry is valued at an estimated $90.1 million.
Combined, these Rhode Island industries directly employ 203.
The average cardholder in Rhode Island carries 4.0 cards as of 2025, down from 4.2 cards in 2023.
As of 2025, Rhode Island consumers carry an estimated total 3.01 million cards.

South Carolina Credit Card Industry Statistics

The credit card issuing and processing industries in South Carolina have a combined market value of $1.01 billion as of 2026.

The credit card issuing industry in South Carolina is worth an estimated $910.8 million.
The state’s credit card processing and money transferring industry is valued at an estimated $159.3 million.
Combined, these South Carolina industries directly employ 442.
The average cardholder in South Carolina carries 3.6 cards as of 2025, down from 3.8 cards in 2023.
As of 2025, South Carolina consumers carry an estimated total 13.1 million cards.

National Map: Change in Number of Cards per Cardholder, from 2023 to 2025, according to Experian

South Dakota Credit Card Industry Statistics

The credit card issuing and processing industries in South Dakota have a combined market value of $10.9 billion as of 2026.

The credit card issuing industry in South Dakota is worth an estimated $10.7 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $205.2 million.
Combined, these South Dakota industries directly employ 3,847.
The average cardholder in South Dakota carries 3.1 cards as of 2025, down from 3.3 cards in 2023.
As of 2025, South Dakota consumers carry an estimated total 1.82 million cards.

Tennessee Credit Card Industry Statistics

The credit card issuing and processing industries in Tennessee have a combined market value of $6.6 billion as of 2026.

The credit card issuing industry in Tennessee is worth an estimated $4.0 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $2.6 billion.
Combined, these Tennessee industries directly employ 6,206.
The average cardholder in Tennessee carries 3.4 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, Tennessee consumers carry an estimated total 16.0 million cards.

Texas Credit Card Industry Statistics

The credit card issuing and processing industries in Texas have a combined market value of $18.7 billion as of 2026.

The credit card issuing industry in Texas is worth an estimated $7.1 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $11.6 billion.
Combined, these Texas industries directly employ 27,867.
The average cardholder in Texas carries 3.8 cards as of 2025, down from 4.0 cards in 2023.
As of 2025, Texas consumers carry an estimated total 75.1 million cards.

Utah Credit Card Industry Statistics

The credit card issuing and processing industries in Utah have a combined market value of $7.2 billion as of 2026.

The credit card issuing industry in Utah is worth an estimated $5.1 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $2.1 billion.
Combined, these Utah industries directly employ 10,390.
The average cardholder in Utah carries 3.3 cards as of 2025, down from 3.5 cards in 2023.
As of 2025, Utah consumers carry an estimated total 7.08 million cards.

Vermont Credit Card Industry Statistics

The credit card issuing and processing industries in Vermont have a combined market value of $86.9 million as of 2026.

The credit card issuing industry in Vermont is worth an estimated $50.4 million.
The state’s credit card processing and money transferring industry is valued at an estimated $36.5 million.
Combined, these Vermont industries directly employ 83.
The average cardholder in Vermont carries 3.2 cards as of 2025, down from 3.3 cards in 2023.
As of 2025, Vermont consumers carry an estimated total 1.4 million cards.

Virginia Credit Card Industry Statistics

The credit card issuing and processing industries in Virginia have a combined market value of $50.3 billion as of 2026.

The credit card issuing industry in Virginia is worth an estimated $47.5 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $2.8 billion.
Combined, these Virginia industries directly employ 20,586.
The average cardholder in Virginia carries 3.7 cards as of 2025, down from 3.9 cards in 2023.
As of 2025, Virginia consumers carry an estimated total 21.3 million cards.

Washington Credit Card Industry Statistics

The credit card issuing and processing industries in Washington have a combined market value of $2.8 billion as of 2026.

The credit card issuing industry in Washington is worth an estimated $1.3 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $1.5 billion.
Combined, these Washington industries directly employ 2,240.
The average cardholder in Washington carries 3.4 cards as of 2025, down from 3.6 cards in 2023.
As of 2025, Washington consumers carry an estimated total 17.7 million cards.

West Virginia Credit Card Industry Statistics

The credit card issuing and processing industries in West Virginia have a combined market value of $205.3 million as of 2026.

The credit card issuing industry in West Virginia is worth an estimated $179.0 million.
The state’s credit card processing and money transferring industry is valued at an estimated $32.3 million.
West Virginia’s credit card processing and money transferring industry employs 205.
The average cardholder in West Virginia carries 3.5 cards as of 2025, down from 3.7 cards in 2023.
As of 2025, West Virginia consumers carry an estimated total 4.08 million cards.

Wisconsin Credit Card Industry Statistics

The credit card issuing and processing industries in Wisconsin have a combined market value of $2.1 billion as of 2026.

The credit card issuing industry in Wisconsin is worth an estimated $1.1 billion.
The state’s credit card processing and money transferring industry is valued at an estimated $1.0 billion.
Combined, these Wisconsin industries directly employ 1,812.
The average cardholder in Wisconsin carries 3.5 cards as of 2025, down from 3.7 cards in 2023.
As of 2025, Wisconsin consumers carry an estimated total 13.6 million cards.

Wyoming Credit Card Industry Statistics

The credit card processing and money transferring industry in Wyoming has a market value of $99.0 million as of 2026.

The credit card issuing industry in Wyoming is worth an estimated $36.9 million.
The state’s credit card processing and money transferring industry is valued at an estimated $62.1 million.
Combined, these Wyoming industries directly employ 93.
The average cardholder in Wyoming carries 3.2 cards as of 2025, down from 3.3 cards in 2023.
As of 2025, Wyoming consumers carry an estimated total 1.21 cards.

National Map: Average Credit Score Among States according to Experian

Credit Card Industry Statistics