Financial Cards and Payments in the US

Best Price Guarantee	Length	Publisher	Published Date	SKU
from $2,275	64 Pages	Euromonitor International	February, 2025	EP19599803

Best Price Guarantee
Price	from $2,275
Length	64 Pages
Publisher	Euromonitor International
Published Date	February, 2025
SKU	EP19599803

2024 was yet another big year for financial cards and payments in the US. Two major stories dominate the overall big picture for the US at the opening of 2025 – the continued fight against inflation, and the new Trump Administration taking the reins. Inflation has been a long-standing concern for several years now, but 2024 saw inflation finally getting closer to a semi-normal level. While inflation still held above the target rate of the US Federal Reserve, it slowed down enough that the bank f...

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.

Financial Cards and Payments in the US
Euromonitor International
February 2025
List Of Contents And Tables
FINANCIAL CARDS AND PAYMENTS IN THE US
EXECUTIVE SUMMARY
Financial cards and payments in 2024: The big picture
2024 key trends
Crypto turns a corner and looks to friendlier faces
Competitive landscape
What next for financial cards and payments?
MARKET INDICATORS: Table 1 Number of POS Terminals: Units 2019-2024; Table 2 Number of ATMs: Units 2019-2024; Table 3 Value Lost to Fraud 2019-2024; Table 4 Card Expenditure by Location 2024; Table 5 Financial Cards in Circulation by Type: % Number of Cards 2019-2024; Table 6 Domestic versus Foreign Spend 2024
MARKET DATA: Table 7 Financial Cards by Category: Number of Cards in Circulation 2019-2024; Table 8 Financial Cards by Category: Number of Accounts 2019-2024; Table 9 Financial Cards Transactions by Category: Value 2019-2024; Table 10 Financial Cards by Category: Number of Transactions 2019-2024; Table 11 Consumer Payments by Category: Value 2019-2024; Table 12 Consumer Payments by Category: Number of Transactions 2019-2024; Table 13 M-Commerce by Category: Value 2019-2024; Table 14 M-Commerce by Category: % Value Growth 2019-2024; Table 15 Financial Cards: Number of Cards by Issuer 2019-2023; Table 16 Financial Cards: Number of Cards by Operator 2019-2023; Table 17 Financial Cards: Card Payment Transactions Value by Operator 2019-2023; Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2019-2023; Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2024-2029; Table 20 Forecast Financial Cards by Category: Number of Accounts 2024-2029; Table 21 Forecast Financial Cards Transactions by Category: Value 2024-2029; Table 22 Forecast Financial Cards by Category: Number of Transactions 2024-2029; Table 23 Forecast Consumer Payments by Category: Value 2024-2029; Table 24 Forecast Consumer Payments by Category: Number of Transactions 2024-2029; Table 25 Forecast M-Commerce by Category: Value 2024-2029; Table 26 Forecast M-Commerce by Category: % Value Growth 2024-2029
DISCLAIMER
SOURCES: Summary 1 Research Sources
DEBIT CARDS IN THE US
KEY DATA FINDINGS
2024 DEVELOPMENTS
Debit card is the number one way for consumers to pay in the US
Regulatory action remains a feature of the cards environment in 2024
US financial considerations continue to exert influence on account types
PROSPECTS AND OPPORTUNITIES
Inflation, while largely tamed, continues to rear its head
Commercial debit cards remains underpenetrated
Lawsuits and Supreme Court decision
CATEGORY DATA: Table 27 Debit Cards: Number of Cards in Circulation 2019-2024; Table 28 Debit Cards Transactions 2019-2024; Table 29 Debit Cards in Circulation: % Growth 2019-2024; Table 30 Debit Cards Transactions: % Growth 2019-2024; Table 31 Debit Cards: Number of Cards by Issuer 2019-2023; Table 32 Debit Cards: Number of Cards by Operator 2019-2023; Table 33 Debit Cards Payment Transaction Value by Issuer 2019-2023; Table 34 Debit Cards Payment Transaction Value by Operator 2019-2023; Table 35 Forecast Debit Cards: Number of Cards in Circulation 2024-2029; Table 36 Forecast Debit Cards Transactions 2024-2029; Table 37 Forecast Debit Cards in Circulation: % Growth 2024-2029; Table 38 Forecast Debit Cards Transactions: % Growth 2024-2029
CREDIT CARDS IN THE US
KEY DATA FINDINGS
2024 DEVELOPMENTS
Capital One makes a shocking play as it moves to acquire Discover Financial Services
BNPL hype appears to be calming, but threats still exist if card players become complacent
Rewards scene remains robust in the US, as the market remains a global leader
PROSPECTS AND OPPORTUNITIES
CFPB announces interpretive ruling to regulate BNPL loans similar to credit cards
Corporate credit card spending continues to offer an enticing opportunity
Trump tariff plans float the potential for increased credit card spending
CATEGORY DATA: Table 39 Credit Cards: Number of Cards in Circulation 2019-2024; Table 40 Credit Cards Transactions 2019-2024; Table 41 Credit Cards in Circulation: % Growth 2019-2024; Table 42 Credit Cards Transactions: % Growth 2019-2024; Table 43 Commercial Credit Cards: Number of Cards in Circulation 2019-2024; Table 44 Commercial Credit Cards Transactions 2019-2024; Table 45 Commercial Credit Cards in Circulation: % Growth 2019-2024; Table 46 Commercial Credit Cards Transactions: % Growth 2019-2024; Table 47 Personal Credit Cards: Number of Cards in Circulation 2019-2024; Table 48 Personal Credit Cards Transactions 2019-2024; Table 49 Personal Credit Cards in Circulation: % Growth 2019-2024; Table 50 Personal Credit Cards Transactions: % Growth 2019-2024; Table 51 Credit Cards: Number of Cards by Issuer 2019-2023; Table 52 Credit Cards: Number of Cards by Operator 2019-2023; Table 53 Credit Cards Payment Transaction Value by Issuer 2019-2023; Table 54 Credit Cards Payment Transaction Value by Operator 2019-2023; Table 55 Commercial Credit Cards: Number of Cards by Issuer 2019-2023; Table 56 Commercial Credit Cards: Number of Cards by Operator 2019-2023; Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2019-2023; Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2019-2023; Table 59 Personal Credit Cards: Number of Cards by Issuer 2019-2023; Table 60 Personal Credit Cards: Number of Cards by Operator 2019-2023; Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2019-2023; Table 62 Personal Credit Cards Payment Transaction Value by Operator 2019-2023; Table 63 Forecast Credit Cards: Number of Cards in Circulation 2024-2029; Table 64 Forecast Credit Cards Transactions 2024-2029; Table 65 Forecast Credit Cards in Circulation: % Growth 2024-2029; Table 66 Forecast Credit Cards Transactions: % Growth 2024-2029; Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2024-2029; Table 68 Forecast Commercial Credit Cards Transactions 2024-2029; Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2024-2029; Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2024-2029; Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2024-2029; Table 72 Forecast Personal Credit Cards Transactions 2024-2029; Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2024-2029; Table 74 Forecast Personal Credit Cards Transactions: % Growth 2024-2029
CHARGE CARDS IN THE US
KEY DATA FINDINGS
2024 DEVELOPMENTS
Capital One announces intention to purchase Discover Financial Services
Uncertainty about the future of interest rates could play in favour of charge cards
American Express remains the overwhelming face of charge cards in the US
PROSPECTS AND OPPORTUNITIES
Charge cards remain a potential option for younger, credit-averse consumers
Fallout from Discover Financial Services purchase
Corporate charge card spending remains an important target for the future
CATEGORY DATA: Table 75 Charge Cards: Number of Cards in Circulation 2019-2024; Table 76 Charge Cards Transactions 2019-2024; Table 77 Charge Cards in Circulation: % Growth 2019-2024; Table 78 Charge Cards Transactions: % Growth 2019-2024; Table 79 Commercial Charge Cards: Number of Cards in Circulation 2019-2024; Table 80 Commercial Charge Cards Transactions 2019-2024; Table 81 Commercial Charge Cards in Circulation: % Growth 2019-2024; Table 82 Commercial Charge Cards Transactions: % Growth 2019-2024; Table 83 Personal Charge Cards: Number of Cards in Circulation 2019-2024; Table 84 Personal Charge Cards Transactions 2019-2024; Table 85 Personal Charge Cards in Circulation: % Growth 2019-2024; Table 86 Personal Charge Cards Transactions: % Growth 2019-2024; Table 87 Charge Cards: Number of Cards by Issuer 2019-2023; Table 88 Charge Cards: Number of Cards by Operator 2019-2023; Table 89 Charge Cards Payment Transaction Value by Issuer 2019-2023; Table 90 Charge Cards Payment Transaction Value by Operator 2019-2023; Table 91 Commercial Charge Cards: Number of Cards by Issuer 2019-2023; Table 92 Commercial Charge Cards: Number of Cards by Operator 2019-2023; Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2019-2023; Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2019-2023; Table 95 Personal Charge Cards: Number of Cards by Issuer 2019-2023; Table 96 Personal Charge Cards: Number of Cards by Operator 2019-2023; Table 97 Personal Charge Cards Transaction Value by Issuer 2019-2023; Table 98 Personal Charge Cards Transaction Value by Operator 2019-2023; Table 99 Forecast Charge Cards: Number of Cards in Circulation 2024-2029; Table 100 Forecast Charge Cards Transactions 2024-2029; Table 101 Forecast Charge Cards in Circulation: % Growth 2024-2029; Table 102 Forecast Charge Cards Transactions: % Growth 2024-2029; Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2024-2029; Table 104 Forecast Commercial Charge Cards Transactions 2024-2029; Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2024-2029; Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2024-2029; Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2024-2029; Table 108 Forecast Personal Charge Cards Transactions 2024-2029; Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2024-2029; Table 110 Forecast Personal Charge Cards Transactions: % Growth 2024-2029
PRE-PAID CARDS IN THE US
KEY DATA FINDINGS
2024 DEVELOPMENTS
Cryptocurrencies continue to grow their exposure via pre-paid cards
Lawsuits fly in pre-paid cards in 2024
Gift cards are increasingly digital
PROSPECTS AND OPPORTUNITIES
Congestion pricing and return to office will continue to boost spending on pre-paid cards
A loosening of the regulatory environment just over the horizon
Fraud frequently continues to target pre-paid cards, as the path of least resistance
CATEGORY DATA: Table 111 Pre-paid Cards: Number of Cards in Circulation 2019-2024; Table 112 Pre-paid Cards Transactions 2019-2024; Table 113 Pre-paid Cards in Circulation: % Growth 2019-2024; Table 114 Pre-paid Cards Transactions: % Growth 2019-2024; Table 115 Closed Loop Pre-paid Cards Transactions 2019-2024; Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024; Table 117 Open Loop Pre-paid Cards Transactions 2019-2024; Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2019-2024; Table 119 Pre-paid Cards: Number of Cards by Issuer 2019-2023; Table 120 Pre-paid Cards: Number of Cards by Operator 2019-2023; Table 121 Pre-paid Cards Transaction Value by Issuer 2019-2023; Table 122 Pre-paid Cards Transaction Value by Operator 2019-2023; Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2019-2023; Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2019-2023; Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2019-2023; Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2019-2023; Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2019-2023; Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2019-2023; Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2019-2023; Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2019-2023; Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2024-2029; Table 132 Forecast Pre-paid Cards Transactions 2024-2029; Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2024-2029; Table 134 Forecast Pre-paid Cards Transactions: % Growth 2024-2029; Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2024-2029; Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2024-2029; Table 137 Forecast Open Loop Pre-paid Cards Transactions 2024-2029; Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2024-2029
STORE CARDS IN THE US
KEY DATA FINDINGS
2024 DEVELOPMENTS
Continued pressure from BNPL and traditional credit cards
Store cards remain a crutch for many still struggling in the post-inflationary economy
Against a competitive backdrop, rewards and loyalty remain critical considerations
PROSPECTS AND OPPORTUNITIES
Election results likely to bring major changes to payments and lending
Opportunities for growth
Technology continues to offer a route to future growth
CATEGORY DATA: Table 139 Store Cards: Number of Cards in Circulation 2019-2024; Table 140 Store Cards Transactions 2019-2024; Table 141 Store Cards in Circulation: % Growth 2019-2024; Table 142 Store Cards Transactions: % Growth 2019-2024; Table 143 Store Cards: Number of Cards by Issuer 2019-2023; Table 144 Store Cards: Payment Transaction Value by Issuer 2019-2023; Table 145 Forecast Store Cards: Number of Cards in Circulation 2024-2029; Table 146 Forecast Store Cards Transactions 2024-2029; Table 147 Forecast Store Cards in Circulation: % Growth 2024-2029; Table 148 Forecast Store Cards Transactions: % Growth 2024-2029