Financial Cards and Payments in the US

Description

In 2025, the US financial cards and payments landscape was shaped by significant regulatory realignment and intensified competition in the premium segment. The economy remained resilient during ongoing inflationary pressures and geopolitical uncertainties, while the Federal Reserve gradually reduced interest rates. The Trump Administration implemented regulatory changes, including modifications to the Consumer Financial Protection Bureau's mandate, which influenced the payments sector. Card issu...

Euromonitor International's Financial Cards and Payments in USA report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, Mobile Payments, Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

Get a detailed picture of the Financial Cards and Payments market;
Pinpoint growth sectors and identify factors driving change;
Understand the competitive environment, the market's major players and leading brands;
Use five-year forecasts to assess how the market is predicted to develop.

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Product Code: FCUS

List Of Contents And Tables

EXECUTIVE SUMMARY

Geopolitical uncertainty and regulatory changes shape demand

KEY DATA FINDINGS

INDUSTRY PERFORMANCE

Regulatory realignment and premiumisation shape the evolution of US financial cards and payments in 2025
Regulatory shifts impact the US payment landscape during the political transition
Artificial intelligence reshapes fraud, commerce and decision-making across the US payments landscape

WHAT'S NEXT?

Regulatory realignment is expected to influence financial cards and payments in the US
Premium competition and network uncertainty is set to intensify across the forecast period
The role of AI is set to expand across fintech and commerce

COMPETITIVE LANDSCAPE

Market leadership in US financial cards is shaped by scale and premium positioning
Competitive momentum and portfolio shifts reshape issuer and network performance
Capital One expands its global footprint as premium credit card competition intensifies in 2025

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2020-2025
Table 2 Number of ATMs: Units 2020-2025
Table 3 Value Lost to Fraud 2020-2025
Table 4 Card Expenditure by Location 2025
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 6 Domestic versus Foreign Spend 2025

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 8 Financial Cards by Category: Number of Accounts 2020-2025
Table 9 Financial Cards Transactions by Category: Value 2020-2025
Table 10 Financial Cards by Category: Number of Transactions 2020-2025
Table 11 Consumer Payments by Category: Value 2020-2025
Table 12 Consumer Payments by Category: Number of Transactions 2020-2025
Table 13 M-Commerce by Category: Value 2020-2025
Table 14 M-Commerce by Category: % Value Growth 2020-2025
Table 15 Financial Cards: Number of Cards by Issuer 2020-2024
Table 16 Financial Cards: Number of Cards by Operator 2020-2024
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 20 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 21 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 22 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 23 Forecast Consumer Payments by Category: Value 2025-2030
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 25 Forecast M-Commerce by Category: Value 2025-2030
Table 26 Forecast M-Commerce by Category: % Value Growth 2025-2030

COUNTRY REPORTS DISCLAIMER

SOURCES

Summary 1 Research Sources

DEBIT CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

Younger consumers and regulatory shifts shape US debit cards

INDUSTRY PERFORMANCE

Sustained growth in debit card circulation driven by younger consumer adoption in 2025
Rising transaction volumes reflect evolving spending patterns among younger consumers

WHAT'S NEXT?

Despite the rise in BNPL spending, debit card use will remain a growth opportunity
Regulation developments are expected to shape the future of debit cards
The evolving role of debit in AI-driven payment ecosystems and consumer platforms

COMPETITIVE LANDSCAPE

Visa Inc. retains its lead while JPMorgan Chase & Co becomes the largest issuer in 2024
JPMorgan Chase & Co and Mastercard record dynamic performances in 2024

CATEGORY DATA

Table 27 Debit Cards: Number of Cards in Circulation 2020-2025
Table 28 Debit Cards Transactions 2020-2025
Table 29 Debit Cards in Circulation: % Growth 2020-2025
Table 30 Debit Cards Transactions: % Growth 2020-2025
Table 31 Debit Cards: Number of Cards by Issuer 2020-2024
Table 32 Debit Cards: Number of Cards by Operator 2020-2024
Table 33 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 34 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 35 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 36 Forecast Debit Cards Transactions 2025-2030
Table 37 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 38 Forecast Debit Cards Transactions: % Growth 2025-2030

COUNTRY REPORTS DISCLAIMER

CREDIT CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

US credit card market sees strong growth, consolidation, and regulatory shifts in 2025

INDUSTRY PERFORMANCE

Steady growth in US credit card circulation driven by personal and commercial sectors in 2025
Robust growth in US credit card transactions is driven by rewards-seeking consumers

WHAT'S NEXT?

Ongoing growth in US credit card transactions will be driven by rewards and premium offerings
Capital One completes Discover acquisition, creating a major shift in US credit cards over the forecast period
Proposed Visa and Mastercard settlement marks a potential turning point in long-running US swipe fee litigation

COMPETITIVE LANDSCAPE

Visa Inc. retains network leadership as JPMorgan Chase leads US credit card issuance in 2024
Wells Fargo & Co and Mastercard drive dynamic growth in the US credit card market in 2024

CATEGORY DATA

Table 39 Credit Cards: Number of Cards in Circulation 2020-2025
Table 40 Credit Cards Transactions 2020-2025
Table 41 Credit Cards in Circulation: % Growth 2020-2025
Table 42 Credit Cards Transactions: % Growth 2020-2025
Table 43 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 44 Commercial Credit Cards Transactions 2020-2025
Table 45 Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 46 Commercial Credit Cards Transactions: % Growth 2020-2025
Table 47 Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 48 Personal Credit Cards Transactions 2020-2025
Table 49 Personal Credit Cards in Circulation: % Growth 2020-2025
Table 50 Personal Credit Cards Transactions: % Growth 2020-2025
Table 51 Credit Cards: Number of Cards by Issuer 2020-2024
Table 52 Credit Cards: Number of Cards by Operator 2020-2024
Table 53 Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 54 Credit Cards Payment Transaction Value by Operator 2020-2024
Table 55 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
Table 56 Commercial Credit Cards: Number of Cards by Operator 2020-2024
Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
Table 59 Personal Credit Cards: Number of Cards by Issuer 2020-2024
Table 60 Personal Credit Cards: Number of Cards by Operator 2020-2024
Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 62 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
Table 63 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
Table 64 Forecast Credit Cards Transactions 2025-2030
Table 65 Forecast Credit Cards in Circulation: % Growth 2025-2030
Table 66 Forecast Credit Cards Transactions: % Growth 2025-2030
Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
Table 68 Forecast Commercial Credit Cards Transactions 2025-2030
Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
Table 72 Forecast Personal Credit Cards Transactions 2025-2030
Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
Table 74 Forecast Personal Credit Cards Transactions: % Growth 2025-2030

COUNTRY REPORTS DISCLAIMER

CHARGE CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

Premium rewards and corporate spend drive charge card growth in 2025

INDUSTRY PERFORMANCE

Charge cards continue to grow as card usage rises in the US
Continued growth in US charge card transactions is driven by rewards and corporate spend

WHAT'S NEXT?

Charge card growth is expected to be driven by premium offerings and rising fees
Charge cards are positioned for growth in corporate and AI-driven payments
Capital One's Discover acquisition signals potential future for charge cards

COMPETITIVE LANDSCAPE

American Express retains leadership in US charge cards in 2024
American Express reinforces its lead through premium refresh and limited competition

CATEGORY DATA

Table 75 Charge Cards: Number of Cards in Circulation 2020-2025
Table 76 Charge Cards Transactions 2020-2025
Table 77 Charge Cards in Circulation: % Growth 2020-2025
Table 78 Charge Cards Transactions: % Growth 2020-2025
Table 79 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
Table 80 Commercial Charge Cards Transactions 2020-2025
Table 81 Commercial Charge Cards in Circulation: % Growth 2020-2025
Table 82 Commercial Charge Cards Transactions: % Growth 2020-2025
Table 83 Personal Charge Cards: Number of Cards in Circulation 2020-2025
Table 84 Personal Charge Cards Transactions 2020-2025
Table 85 Personal Charge Cards in Circulation: % Growth 2020-2025
Table 86 Personal Charge Cards Transactions: % Growth 2020-2025
Table 87 Charge Cards: Number of Cards by Issuer 2020-2024
Table 88 Charge Cards: Number of Cards by Operator 2020-2024
Table 89 Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 90 Charge Cards Payment Transaction Value by Operator 2020-2024
Table 91 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
Table 92 Commercial Charge Cards: Number of Cards by Operator 2020-2024
Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
Table 95 Personal Charge Cards: Number of Cards by Issuer 2020-2024
Table 96 Personal Charge Cards: Number of Cards by Operator 2020-2024
Table 97 Personal Charge Cards Transaction Value by Issuer 2020-2024
Table 98 Personal Charge Cards Transaction Value by Operator 2020-2024
Table 99 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
Table 100 Forecast Charge Cards Transactions 2025-2030
Table 101 Forecast Charge Cards in Circulation: % Growth 2025-2030
Table 102 Forecast Charge Cards Transactions: % Growth 2025-2030
Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
Table 104 Forecast Commercial Charge Cards Transactions 2025-2030
Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
Table 108 Forecast Personal Charge Cards Transactions 2025-2030
Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
Table 110 Forecast Personal Charge Cards Transactions: % Growth 2025-2030

COUNTRY REPORTS DISCLAIMER

PRE-PAID CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

Growth for pre-paid cards accelerates, driven by digitisation and shifting consumer habits

INDUSTRY PERFORMANCE

Pre-paid cards benefit from cash displacement and venue digitisation in 2025
Pre-paid card transactions rise as low-value payments shift from cash

WHAT'S NEXT?

Open-loop products and gig economy dynamics are expected to drive pre-paid card growth
Regulatory retrenchment and fraud risks are set to shape the outlook for pre-paid cards
Virtual issuance and wallet integration are expected to drive the next phase of pre-paid growth

COMPETITIVE LANDSCAPE

Visa Inc leads open-loop pre-paid cards within a fragmented US market

CATEGORY DATA

Table 111 Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 112 Pre-paid Cards Transactions 2020-2025
Table 113 Pre-paid Cards in Circulation: % Growth 2020-2025
Table 114 Pre-paid Cards Transactions: % Growth 2020-2025
Table 115 Closed Loop Pre-paid Cards Transactions 2020-2025
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 117 Open Loop Pre-paid Cards Transactions 2020-2025
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 119 Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 120 Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 121 Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 122 Pre-paid Cards Transaction Value by Operator 2020-2024
Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
Table 132 Forecast Pre-paid Cards Transactions 2025-2030
Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
Table 134 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
Table 137 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2025-2030

COUNTRY REPORTS DISCLAIMER

STORE CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

Growth for store cards is driven by accessibility, regulatory clarity, and healthcare spending

INDUSTRY PERFORMANCE

Store cards continue expanding access to credit in a challenging economy
High interest rates continue to shape the US lending landscape
Per-transaction benefits reshape store card value propositions

WHAT'S NEXT?

Regulatory stability and technological integration is expected to support continued transaction growth
The regulatory environment is set to become more predictable
US healthcare spending creates expansion opportunities for store cards

CATEGORY DATA

Table 139 Store Cards: Number of Cards in Circulation 2020-2025
Table 140 Store Cards Transactions 2020-2025
Table 141 Store Cards in Circulation: % Growth 2020-2025
Table 142 Store Cards Transactions: % Growth 2020-2025
Table 143 Store Cards: Number of Cards by Issuer 2020-2024
Table 144 Store Cards: Payment Transaction Value by Issuer 2020-2024
Table 145 Forecast Store Cards: Number of Cards in Circulation 2025-2030
Table 146 Forecast Store Cards Transactions 2025-2030
Table 147 Forecast Store Cards in Circulation: % Growth 2025-2030
Table 148 Forecast Store Cards Transactions: % Growth 2025-2030

Financial Cards and Payments in the US

Description

Table of Contents

Why buy this report?

TABLE OF CONTENTS

List Of Contents And Tables

EXECUTIVE SUMMARY

KEY DATA FINDINGS

INDUSTRY PERFORMANCE

WHAT'S NEXT?

COMPETITIVE LANDSCAPE

MARKET INDICATORS

MARKET DATA

COUNTRY REPORTS DISCLAIMER

SOURCES

DEBIT CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

INDUSTRY PERFORMANCE

WHAT'S NEXT?

COMPETITIVE LANDSCAPE

CATEGORY DATA

COUNTRY REPORTS DISCLAIMER

CREDIT CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

INDUSTRY PERFORMANCE

WHAT'S NEXT?

COMPETITIVE LANDSCAPE

CATEGORY DATA

COUNTRY REPORTS DISCLAIMER

CHARGE CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

INDUSTRY PERFORMANCE

WHAT'S NEXT?

COMPETITIVE LANDSCAPE

CATEGORY DATA

COUNTRY REPORTS DISCLAIMER

PRE-PAID CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

INDUSTRY PERFORMANCE

WHAT'S NEXT?

COMPETITIVE LANDSCAPE

CATEGORY DATA

COUNTRY REPORTS DISCLAIMER

STORE CARDS IN THE US

KEY DATA FINDINGS

2025 DEVELOPMENTS

INDUSTRY PERFORMANCE

WHAT'S NEXT?

CATEGORY DATA

COUNTRY REPORTS DISCLAIMER