Charge Cards in the US

December 2023
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Overview:

Understand the latest market trends and future growth opportunities for the Charge Card Transactions industry in USA with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Charge Card Transactions industry in USA, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Charge Card Transactions in USA report includes:

  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country

This report answers:

  • What is the market size of Charge Card Transactions in USA?
  • What are the major trends key to understanding Charge Card Transactions in USA?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?
Download Table of Contents

Charge Cards in the US - Category analysis

Charge Cards in the US - Company Profile

KEY DATA FINDINGS

Possible beneficiary of higher interest rates
American Express maintains its dominance of charge cards in the US
Commercial payments continue to rebound and grow
Credit interchange is under the microscope, threatening rewards rates
Popularity of charge cards lags behind that of credit cards, and BNPL is a threat
Meeting new consumers in the digital world
Table 1 Charge Cards: Number of Cards in Circulation 2018-2023
Table 2 Charge Cards Transactions 2018-2023
Table 3 Charge Cards in Circulation: % Growth 2018-2023
Table 4 Charge Cards Transactions: % Growth 2018-2023
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 6 Commercial Charge Cards Transactions 2018-2023
Table 7 Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 8 Commercial Charge Cards Transactions: % Growth 2018-2023
Table 9 Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 10 Personal Charge Cards Transactions 2018-2023
Table 11 Personal Charge Cards in Circulation: % Growth 2018-2023
Table 12 Personal Charge Cards Transactions: % Growth 2018-2023
Table 13 Charge Cards: Number of Cards by Issuer 2018-2022
Table 14 Charge Cards: Number of Cards by Operator 2018-2022
Table 15 Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 16 Charge Cards Payment Transaction Value by Operator 2018-2022
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2018-2022
Table 18 Commercial Charge Cards: Number of Cards by Operator 2018-2022
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2018-2022
Table 21 Personal Charge Cards: Number of Cards by Issuer 2018-2022
Table 22 Personal Charge Cards: Number of Cards by Operator 2018-2022
Table 23 Personal Charge Cards Transaction Value by Issuer 2018-2022
Table 24 Personal Charge Cards Transaction Value by Operator 2018-2022
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2023-2028
Table 26 Forecast Charge Cards Transactions 2023-2028
Table 27 Forecast Charge Cards in Circulation: % Growth 2023-2028
Table 28 Forecast Charge Cards Transactions: % Growth 2023-2028
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2023-2028
Table 30 Forecast Commercial Charge Cards Transactions 2023-2028
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2023-2028
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2023-2028
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2023-2028
Table 34 Forecast Personal Charge Cards Transactions 2023-2028
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2023-2028
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2023-2028

Credit Cards in the US - Category analysis

Credit Cards in the US - Company Profile

KEY DATA FINDINGS

Inflationary environment a contributory factor to growth for credit cards
Federal Reserve raises interest rates, taming inflation but forcing credit rates higher
Apple explores ways to enter BNPL and savings
With education lending relief ending, debts likely to make their way onto credit cards
The proliferation of BNPL will bring competition, but be dwarfed by credit card use
Credit Card Competition Act continues to hang over the future of credit cards
Table 37 Credit Cards: Number of Cards in Circulation 2018-2023
Table 38 Credit Cards Transactions 2018-2023
Table 39 Credit Cards in Circulation: % Growth 2018-2023
Table 40 Credit Cards Transactions: % Growth 2018-2023
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 42 Commercial Credit Cards Transactions 2018-2023
Table 43 Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 44 Commercial Credit Cards Transactions: % Growth 2018-2023
Table 45 Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 46 Personal Credit Cards Transactions 2018-2023
Table 47 Personal Credit Cards in Circulation: % Growth 2018-2023
Table 48 Personal Credit Cards Transactions: % Growth 2018-2023
Table 49 Credit Cards: Number of Cards by Issuer 2018-2022
Table 50 Credit Cards: Number of Cards by Operator 2018-2022
Table 51 Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 52 Credit Cards Payment Transaction Value by Operator 2018-2022
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2018-2022
Table 54 Commercial Credit Cards: Number of Cards by Operator 2018-2022
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2018-2022
Table 57 Personal Credit Cards: Number of Cards by Issuer 2018-2022
Table 58 Personal Credit Cards: Number of Cards by Operator 2018-2022
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2018-2022
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2023-2028
Table 62 Forecast Credit Cards Transactions 2023-2028
Table 63 Forecast Credit Cards in Circulation: % Growth 2023-2028
Table 64 Forecast Credit Cards Transactions: % Growth 2023-2028
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2023-2028
Table 66 Forecast Commercial Credit Cards Transactions 2023-2028
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2023-2028
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2023-2028
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2023-2028
Table 70 Forecast Personal Credit Cards Transactions 2023-2028
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2023-2028
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2023-2028

Debit Cards in the US - Category analysis

Debit Cards in the US - Company Profile

KEY DATA FINDINGS

Fraud remains an important story for debit cards
The line between debit cards and other card types continues to blur
Debit sees success with younger generations due to lack of credit history
Bank account interest rates have potential to draw in new consumers
Commercial debit cards set to continue to see healthy growth
Debit card fee regulation on the horizon
Table 73 Debit Cards: Number of Cards in Circulation 2018-2023
Table 74 Debit Cards Transactions 2018-2023
Table 75 Debit Cards in Circulation: % Growth 2018-2023
Table 76 Debit Cards Transactions: % Growth 2018-2023
Table 77 Debit Cards: Number of Cards by Issuer 2018-2022
Table 78 Debit Cards: Number of Cards by Operator 2018-2022
Table 79 Debit Cards Payment Transaction Value by Issuer 2018-2022
Table 80 Debit Cards Payment Transaction Value by Operator 2018-2022
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2023-2028
Table 82 Forecast Debit Cards Transactions 2023-2028
Table 83 Forecast Debit Cards in Circulation: % Growth 2023-2028
Table 84 Forecast Debit Cards Transactions: % Growth 2023-2028

Pre-Paid Cards in the US - Category analysis

Pre-Paid Cards in the US - Company Profile

KEY DATA FINDINGS

Transportation pre-paid cards rebounds as more workers return to the office
Pre-paid cards play an increased role in government aid and tax returns
Pre-paid cards continue to make their way into fintech
Crypto and pre-paid cards offer an interesting proposition for the future
Fraud continues to be a major issue for both open and closed loop pre-paid cards
Will pre-paid cards be a winner in the quest for lower card fees?
Table 85 Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 86 Pre-paid Cards Transactions 2018-2023
Table 87 Pre-paid Cards in Circulation: % Growth 2018-2023
Table 88 Pre-paid Cards Transactions: % Growth 2018-2023
Table 89 Closed Loop Pre-paid Cards Transactions 2018-2023
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 91 Open Loop Pre-paid Cards Transactions 2018-2023
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 93 Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 94 Pre-paid Cards Transaction Value by Operator 2018-2022
Table 95 Open Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 96 Open Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 97 Forecast Pre-paid Cards: Number of Cards in Circulation 2023-2028
Table 98 Forecast Pre-paid Cards Transactions 2023-2028
Table 99 Forecast Pre-paid Cards in Circulation: % Growth 2023-2028
Table 100 Forecast Pre-paid Cards Transactions: % Growth 2023-2028
Table 101 Forecast Closed Loop Pre-paid Cards Transactions 2023-2028
Table 102 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2023-2028
Table 103 Forecast Open Loop Pre-paid Cards Transactions 2023-2028
Table 104 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2023-2028

Store Cards in the US - Category analysis

Store Cards in the US - Company Profile

KEY DATA FINDINGS

High inflation again leads people to need credit to make ends meet
Competitive landscape and potential for category creep
Assessing fraud risk on store cards relative to other card types
Threat of cannibalisation by BNPL
Opportunities in terms of loyalty and integration – the need for digital development
Could store cards be a winner in a future full of proposed regulations?
Table 105 Store Cards: Number of Cards in Circulation 2018-2023
Table 106 Store Cards Transactions 2018-2023
Table 107 Store Cards in Circulation: % Growth 2018-2023
Table 108 Store Cards Transactions: % Growth 2018-2023
Table 109 Store Cards: Number of Cards by Issuer 2018-2022
Table 110 Store Cards: Payment Transaction Value by Issuer 2018-2022
Table 111 Forecast Store Cards: Number of Cards in Circulation 2023-2028
Table 112 Forecast Store Cards Transactions 2023-2028
Table 113 Forecast Store Cards in Circulation: % Growth 2023-2028
Table 114 Forecast Store Cards Transactions: % Growth 2023-2028

Financial Cards and Payments in the US - Industry Overview

Financial cards and payments in 2023: The big picture
2023 key trends
The administration takes aim: Crypto indictments and federal interest rates
Competitive landscape
What next for financial cards and payments?
Table 115 Number of POS Terminals: Units 2018-2023
Table 116 Number of ATMs: Units 2018-2023
Table 117 Value Lost to Fraud 2018-2023
Table 118 Card Expenditure by Location 2023
Table 119 Financial Cards in Circulation by Type: % Number of Cards 2018-2023
Table 120 Domestic versus Foreign Spend 2023
Table 121 Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 122 Financial Cards by Category: Number of Accounts 2018-2023
Table 123 Financial Cards Transactions by Category: Value 2018-2023
Table 124 Financial Cards by Category: Number of Transactions 2018-2023
Table 125 Consumer Payments by Category: Value 2018-2023
Table 126 Consumer Payments by Category: Number of Transactions 2018-2023
Table 127 M-Commerce by Category: Value 2018-2023
Table 128 M-Commerce by Category: % Value Growth 2018-2023
Table 129 Financial Cards: Number of Cards by Issuer 2018-2022
Table 130 Financial Cards: Number of Cards by Operator 2018-2022
Table 131 Financial Cards: Card Payment Transactions Value by Operator 2018-2022
Table 132 Financial Cards: Card Payment Transactions Value by Issuer 2018-2022
Table 133 Forecast Financial Cards by Category: Number of Cards in Circulation 2023-2028
Table 134 Forecast Financial Cards by Category: Number of Accounts 2023-2028
Table 135 Forecast Financial Cards Transactions by Category: Value 2023-2028
Table 136 Forecast Financial Cards by Category: Number of Transactions 2023-2028
Table 137 Forecast Consumer Payments by Category: Value 2023-2028
Table 138 Forecast Consumer Payments by Category: Number of Transactions 2023-2028
Table 139 Forecast M-Commerce by Category: Value 2023-2028
Table 140 Forecast M-Commerce by Category: % Value Growth 2023-2028

DISCLAIMER

Summary 1 Research Sources
The following categories and subcategories are included:

Charge Card Transactions

  • Commercial Charge Card Transactions
  • Personal Charge Card Transactions

Charge Card Transactions

A charge card (sometimes referred to as a Travel and Entertainment card) shares the “pay later” component with credit cards. However, charge card balances normally have to be paid off monthly and do not attract interest charges. Charge cards typically possess high (or even no) pre-set spending limits and may carry a high annual fee.

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This report originates from Passport, our Charge Card Transactions research and analysis database.

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