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Charge Cards in the US

November 2020
USD 990
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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?

Charge Cards in the US - Category analysis

Charge Cards in the US - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Limited payment flexibility drives the decline in charge cards
American Express limits number of charge cards per account
American Express supporting small businesses during the pandemic

RECOVERY AND OPPORTUNITIES

Charge cards’ recovery to depend on the return of high-income consumers
Competition between charge cards and ultra-premium credit cards intensifies
Karat introduces a charge card for influencers

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2015-2020 Table 2 Charge Cards Transactions 2015-2020 Table 3 Charge Cards in Circulation: % Growth 2015-2020 Table 4 Charge Cards Transactions: % Growth 2015-2020 Table 5 Commercial Charge Cards: Number of Cards in Circulation 2015-2020 Table 6 Commercial Charge Cards Transactions 2015-2020 Table 7 Commercial Charge Cards in Circulation: % Growth 2015-2020 Table 8 Commercial Charge Cards Transactions: % Growth 2015-2020 Table 9 Personal Charge Cards: Number of Cards in Circulation 2015-2020 Table 10 Personal Charge Cards Transactions 2015-2020 Table 11 Personal Charge Cards in Circulation: % Growth 2015-2020 Table 12 Personal Charge Cards Transactions: % Growth 2015-2020 Table 13 Charge Cards: Number of Cards by Issuer 2015-2019 Table 14 Charge Cards: Number of Cards by Operator 2015-2019 Table 15 Charge Cards Payment Transaction Value by Issuer 2015-2019 Table 16 Charge Cards Payment Transaction Value by Operator 2015-2019 Table 17 Commercial Charge Cards: Number of Cards by Issuer 2015-2019 Table 18 Commercial Charge Cards: Number of Cards by Operator 2015-2019 Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2015-2019 Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2015-2019 Table 21 Personal Charge Cards: Number of Cards by Issuer 2015-2019 Table 22 Personal Charge Cards: Number of Cards by Operator 2015-2019 Table 23 Personal Charge Cards Transaction Value by Issuer 2015-2019 Table 24 Personal Charge Cards Transaction Value by Operator 2015-2019 Table 25 Forecast Charge Cards: Number of Cards in Circulation 2020-2025 Table 26 Forecast Charge Cards Transactions 2020-2025 Table 27 Forecast Charge Cards in Circulation: % Growth 2020-2025 Table 28 Forecast Charge Cards Transactions: % Growth 2020-2025 Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2020-2025 Table 30 Forecast Commercial Charge Cards Transactions 2020-2025 Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2020-2025 Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2020-2025 Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2020-2025 Table 34 Forecast Personal Charge Cards Transactions 2020-2025 Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2020-2025 Table 36 Forecast Personal Charge Cards Transactions: % Growth 2020-2025

Credit Cards in the US - Category analysis

Credit Cards in the US - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Issuers offer financial assistance as COVID-19 leaves cardholders unable to make payments
Loss of T&E spending causes commercial cards’ transaction value to plummet
Issuers lower credit limits, accept fewer card applications

RECOVERY AND OPPORTUNITIES

Chime creates a credit card for Millennials that acts like a debit card
Travel cards adjust benefits as cardholders stop travelling
Layaway’s surge threatens credit cards’ recovery

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2015-2020 Table 38 Credit Cards Transactions 2015-2020 Table 39 Credit Cards in Circulation: % Growth 2015-2020 Table 40 Credit Cards Transactions: % Growth 2015-2020 Table 41 Commercial Credit Cards: Number of Cards in Circulation 2015-2020 Table 42 Commercial Credit Cards Transactions 2015-2020 Table 43 Commercial Credit Cards in Circulation: % Growth 2015-2020 Table 44 Commercial Credit Cards Transactions: % Growth 2015-2020 Table 45 Personal Credit Cards: Number of Cards in Circulation 2015-2020 Table 46 Personal Credit Cards Transactions 2015-2020 Table 47 Personal Credit Cards in Circulation: % Growth 2015-2020 Table 48 Personal Credit Cards Transactions: % Growth 2015-2020 Table 49 Credit Cards: Number of Cards by Issuer 2015-2019 Table 50 Credit Cards: Number of Cards by Operator 2015-2019 Table 51 Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 52 Credit Cards Payment Transaction Value by Operator 2015-2019 Table 53 Commercial Credit Cards: Number of Cards by Issuer 2015-2019 Table 54 Commercial Credit Cards: Number of Cards by Operator 2015-2019 Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2015-2019 Table 57 Personal Credit Cards: Number of Cards by Issuer 2015-2019 Table 58 Personal Credit Cards: Number of Cards by Operator 2015-2019 Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 60 Personal Credit Cards Payment Transaction Value by Operator 2015-2019 Table 61 Forecast Credit Cards: Number of Cards in Circulation 2020-2025 Table 62 Forecast Credit Cards Transactions 2020-2025 Table 63 Forecast Credit Cards in Circulation: % Growth 2020-2025 Table 64 Forecast Credit Cards Transactions: % Growth 2020-2025 Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2020-2025 Table 66 Forecast Commercial Credit Cards Transactions 2020-2025 Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2020-2025 Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2020-2025 Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025 Table 70 Forecast Personal Credit Cards Transactions 2020-2025 Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025 Table 72 Forecast Personal Credit Cards Transactions: % Growth 2020-2025

Debit Cards in the US - Category analysis

Debit Cards in the US - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Personal debit payments grow as recession erodes consumer confidence
Stay-at-home orders drive commercial debit card decline
COVID-19 puts a spotlight on overdraft fees

RECOVERY AND OPPORTUNITIES

Renewed momentum for contactless debit cards
Credit’s recovery slows future growth of debit
Ellevest uses debit cards to promote its social mission

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2015-2020 Table 74 Debit Cards Transactions 2015-2020 Table 75 Debit Cards in Circulation: % Growth 2015-2020 Table 76 Debit Cards Transactions: % Growth 2015-2020 Table 77 Debit Cards: Number of Cards by Issuer 2015-2019 Table 78 Debit Cards: Number of Cards by Operator 2015-2019 Table 79 Debit Cards Payment Transaction Value by Issuer 2015-2019 Table 80 Debit Cards Payment Transaction Value by Operator 2015-2019 Table 81 Forecast Debit Cards: Number of Cards in Circulation 2020-2025 Table 82 Forecast Debit Cards Transactions 2020-2025 Table 83 Forecast Debit Cards in Circulation: % Growth 2020-2025 Table 84 Forecast Debit Cards Transactions: % Growth 2020-2025

Pre-Paid Cards in the US - Category analysis

Pre-Paid Cards in the US - Company Profile

KEY DATA FINDINGS

2020 IMPACT

CARES Act stimulus payments drive use of open-loop pre-paid cards
COVID-19’s impact varies significantly by pre-paid card type
Small businesses push gift cards to maintain cashflow during lockdown

RECOVERY AND OPPORTUNITIES

Pre-paid emerges as a potential victor in the cashless retailers debate
BitPay introduces new crypto-to-fiat pre-paid card
Contactless payment on the way for New York’s public transport system

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2015-2020 Table 86 Pre-paid Cards Transactions 2015-2020 Table 87 Pre-paid Cards in Circulation: % Growth 2015-2020 Table 88 Pre-paid Cards Transactions: % Growth 2015-2020 Table 89 Closed Loop Pre-paid Cards Transactions 2015-2020 Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020 Table 91 Open Loop Pre-paid Cards Transactions 2015-2020 Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020 Table 93 Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 94 Pre-paid Cards Transaction Value by Operator 2015-2019 Table 95 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 96 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019 Table 97 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025 Table 98 Forecast Pre-paid Cards Transactions 2020-2025 Table 99 Forecast Pre-paid Cards in Circulation: % Growth 2020-2025 Table 100 Forecast Pre-paid Cards Transactions: % Growth 2020-2025 Table 101 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025 Table 102 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025 Table 103 Forecast Open Loop Pre-paid Cards Transactions 2020-2025 Table 104 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

Store Cards in the US - Category analysis

Store Cards in the US - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Recession makes store cards’ immediate discounts more appealing
Retailer bankruptcies drive down the number of store cards in circulation
New credit card reward categories challenge store cards

RECOVERY AND OPPORTUNITIES

Lower credit score requirements could boost store card applications
E-commerce shift threatens store cards’ marketing strategy
Co-branded cards continue to threaten store cards

CATEGORY DATA

Table 105 Store Cards: Number of Cards in Circulation 2015-2020 Table 106 Store Cards Transactions 2015-2020 Table 107 Store Cards in Circulation: % Growth 2015-2020 Table 108 Store Cards Transactions: % Growth 2015-2020 Table 109 Store Cards: Number of Cards by Issuer 2015-2019 Table 110 Store Cards: Payment Transaction Value by Issuer 2015-2019 Table 111 Forecast Store Cards: Number of Cards in Circulation 2020-2025 Table 112 Forecast Store Cards Transactions 2020-2025 Table 113 Forecast Store Cards in Circulation: % Growth 2020-2025 Table 114 Forecast Store Cards Transactions: % Growth 2020-2025

Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments
COVID-19 country impact
Federal government passes USD2 trillion CARES Act, the largest economic stimulus package in history
Contactless payments go from near-zero to hero
Issuers compete on payment flexibility and new card benefits
What next for consumer payments?

MARKET INDICATORS

Table 115 Number of POS Terminals: Units 2015-2020 Table 116 Number of ATMs: Units 2015-2020 Table 117 Value Lost to Fraud 2015-2020 Table 118 Card Expenditure by Location 2020 Table 119 Financial Cards in Circulation by Type: % Number of Cards 2015-2020 Table 120 Domestic versus Foreign Spend 2020

MARKET DATA

Table 121 Financial Cards by Category: Number of Cards in Circulation 2015-2020 Table 122 Financial Cards by Category: Number of Accounts 2015-2020 Table 123 Financial Cards Transactions by Category: Value 2015-2020 Table 124 Financial Cards by Category: Number of Transactions 2015-2020 Table 125 Consumer Payments by Category: Value 2015-2020 Table 126 Consumer Payments by Category: Number of Transactions 2015-2020 Table 127 M-Commerce by Category: Value 2015-2020 Table 128 M-Commerce by Category: % Value Growth 2015-2020 Table 129 Financial Cards: Number of Cards by Issuer 2015-2019 Table 130 Financial Cards: Number of Cards by Operator 2015-2019 Table 131 Financial Cards: Card Payment Transactions Value by Operator 2015-2019 Table 132 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019 Table 133 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025 Table 134 Forecast Financial Cards by Category: Number of Accounts 2020-2025 Table 135 Forecast Financial Cards Transactions by Category: Value 2020-2025 Table 136 Forecast Financial Cards by Category: Number of Transactions 2020-2025 Table 137 Forecast Consumer Payments by Category: Value 2020-2025 Table 138 Forecast Consumer Payments by Category: Number of Transactions 2020-2025 Table 139 Forecast M-Commerce by Category: Value 2020-2025 Table 140 Forecast M-Commerce by Category: % Value Growth 2020-2025

DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES

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  • Gain competitive intelligence about market leaders
  • Track key industry trends, opportunities and threats
  • Inform your marketing, brand, strategy and market development, sales and supply functions

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

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