US Credit Card Usage Statistics
Estimated Number of Credit Card Holders in the USA –
Estimated Number of Credit Cards in the USA –
Annual Purchase Volume of US Credit Cards (2011) –
One-third of Americans Do Not Own A Credit Card
Purchase Volume (in Billions) Number of US Credit Cards (in Millions)
VISA $888.00 234.1
AMERICAN EXPRESS $540.14 50.6
MasterCard $508.00 175.7
DISCOVER NETWORK $114.15 58.7
The average age at which a U.S. consumer first adopted a credit card is 20.8 years.
84% of students in the US have credit cards.
Average credit card consumer holds 4.4 credit cards.
One in ten consumers has more than 10 credit cards.
54% of US Credit Card Consumers pay their balance in full each month
33% carry balances up to $10,000 and 13% carry balances over $10,000
Cash point-of-sale purchases are expected to drop from 27% to 23% by 2017
Credit card point-of-sale purchases are expected to grow from 29% to 33% by 2017
Expenses Paid Most Often with Credit Cards
81% Travel Expenses
44% Eating/Dining Out
20% Household Bills
77% Expensive Purchases
15% Small Expenses
46% Personal Items
Two –thirds of credit card consumers said they would consider switching their primary credit card for better features
Top Credit Card Features
73% No Annual Fee
41% Bonus / Exclusive Deals
20% Airline Miles
47% Low Interest Rates
38% Introductory Reward Points
19% Zero Liability on Unauthorized Purchases
46% Reward Points
30% Unlimited Cash Back
10% Discounted Retail Partnerships
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