Highlights. Americans made 165.0 million credit card purchases per day in 2025.
- U.S. credit card transactions totaled an estimated 60.2 billion in 2025.
- Americans make 1,910 credit card transactions per second.
- Major credit card companies processed 864 billion worldwide transactions in 2025.
- Credit card users worldwide averaged 2.43 billion transactions daily over 12 months.
- U.S. consumers use credit cards in 40% of retail transactions; they only use cash 10% of the time.
| Increment | Transactions per |
|---|---|
| second | 1,910 |
| minute | 114,597 |
| hour | 6,875,831 |
| day | 165,019,944 |
| week | 1,158,313,066 |
| month | 5,019,356,619 |
| quarter | 15,058,069,857 |
| year | 60,232,279,429 |
U.S. Credit Card Transactions
American cardholders use a credit card for an average of one transaction every 36 hours.
- In 2025, nationwide credit card transactions averaged 6.88 million per hour.
- Americans made 114,597 credit card transactions every minute.
- The average U.S. cardholder makes 260 credit card transactions per year.
| Increment | Transactions per |
|---|---|
| second | 28,152 |
| minute | 1,689,094 |
| hour | 101,345,667 |
| day | 2,432,296,011 |
| week | 17,072,846,998 |
| month | 73,982,336,990 |
| quarter | 221,947,010,971 |
| year | 887,788,043,884 |
Worldwide Credit Card Transactions
Global credit card transactions totaled 889 billion in 2025.
- Credit card users worldwide averaged 101.3 million transactions per hour in 2025.
- Worldwide, credit card transactions averaged 1.69 million per minute.
- Global credit card transactions total 28,152 per second.
| 2024 | 2025* | |
|---|---|---|
| Visa | 556,865 | 614,895 |
| UnionPay | 502,201 | 663,158 |
| MasterCard | 363,445 | 419,500 |
| American Express | 23,300 | 25,072 |
| JCB | 12,162 | 12,652 |
| Discover | 7,741 | 8,043 |
*Projected
Credit Card Transactions per Processor
The world’s three (3) largest credit card processors facilitate over 864 billion transactions per year.
- The total number of transactions Visa processed reached 257.5 billion in its FY ending September 2025.
- Visa, Inc. processed an estimated 323 billion global payment transactions in the 2025 calendar year.
- UnionPay processed an estimated 349 billion global transactions in 2025.
- Mastercard processed an estimated 220 billion transactions in 2025.
- Other credit card processors, including Discover and American Express, processed an estimated 24.7 billion transactions.
| Increment | Transaction Values per |
|---|---|
| second | $188,490 |
| minute | $11,309,389 |
| hour | $678,563,314 |
| day | $16,285,519,540 |
| week | $114,311,819,849 |
| month | $495,351,219,345 |
| quarter | $1,486,053,658,036 |
| year | $5,944,214,632,145 |
Credit Card Transaction Volume Statistics
Transaction volume refers to the dollar value of transactions.
- Americans used credit cards for an estimated $5.94 trillion in purchases in 2025, for an average daily purchase rate of $16.3 billion.
- The average U.S. transaction is for $98.69.
- The four major U.S. processors facilitated $29.281 trillion in global consumer transactions in 2024.
These data and insights were compiled by the Capital One Shopping team based on publicly available data.