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Country Report

Financial Cards and Payments in

Financial Cards and Payments in the US

Oct 2019

US$2,100

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Card payments performing well amid trends towards personalisation

In 2019, card payments across all categories continued to perform well and further displace the use of cash and other paper payments in the US. Electronic direct/ACH transactions have also grown steadily as consumers embrace the flexibility and transparency of non-cash payment options.

EMV chip cards are ubiquitous; will contactless follow suit?

EMV chip cards began to replace magnetic strip cards on a large scale beginning in 2015. More than three years later in 2019, almost 100% of card payment transactions in the US are made with EMV chip cards.

Demand for real-time payments continues to grow with Fed support

The Federal Reserve Bank announced in August that it is working to develop a real-time payments system called FedNow that is expected to be available by 2023 or 2024. Instantaneous payments already exist in the US through a network developed by the Clearing House - an assortment of large banks, but many smaller banks and credit unions have been hesitant to pay for the service.

Pressure abounds

Competition among payment facilitators has been growing in recent years due to increased pressure to provide tailored card products, efficient mobile payments, and attractive rewards packages. In addition to competition among traditional operators and issuers, financial technology (fintech) companies are imposing added pressures through their growing suite of product offerings.

Blurred lines and easier access

In the past several years, the boundaries between different card types have become increasingly blurred. Debit cards offer cashback rewards.

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Overview

Why buy this report?

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.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Financial Cards and Payments industry in USA with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Financial Cards and Payments industry in USA, our research will save you time and money while empowering you to make informed, profitable decisions.

The Financial Cards and Payments in USA market research report includes:

Analysis of key supply-side and demand trends
Historic volumes and values, company and brand market shares
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Financial Cards and Payments in USA?
What are the major operators and issuers in USA?
How will regulation impact the market?
What is the current state of emerging payment technologies such as mobile commerce?

Why buy this report?

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

Euromonitor’s industry reports, including Financial Cards and Payments in USA, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

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Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY

Card payments performing well amid trends towards personalisation

EMV chip cards are ubiquitous; will contactless follow suit?

Demand for real-time payments continues to grow with Fed support

Pressure abounds

Blurred lines and easier access

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2014-2019
Table 2 Number of ATMs: Units 2014-2019
Table 3 Value Lost to Fraud 2014-2019
Table 4 Card Expenditure by Location 2019
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 6 Domestic versus Foreign Spend 2019

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 8 Financial Cards by Category: Number of Accounts 2014-2019
Table 9 Financial Cards Transactions by Category: Value 2014-2019
Table 10 Financial Cards by Category: Number of Transactions 2014-2019
Table 11 Consumer Payments by Category: Value 2014-2019
Table 12 Consumer Payments by Category: Number of Transactions 2014-2019
Table 13 M-Commerce by Category: Value 2014-2019
Table 14 M-Commerce by Category: % Value Growth 2014-2019
Table 15 Financial Cards: Number of Cards by Issuer 2014-2018
Table 16 Financial Cards: Number of Cards by Operator 2014-2018
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 20 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 21 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 22 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 23 Forecast Consumer Payments by Category: Value 2019-2024
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 25 Forecast M-Commerce by Category: Value 2019-2024
Table 26 Forecast M-Commerce by Category: % Value Growth 2019-2024

DEFINITIONS

SOURCES

Summary 1 Research Sources

Charge Cards in the US - Category analysis

HEADLINES

PROSPECTS

Charge cards continue to lose ground to credit cards

The future of charge cards is questionable

Charge cards could stay relevant through business customers

COMPETITIVE LANDSCAPE

Brex offers corporate charge cards to start-ups

American Express partners with Resy to offer new membership rewards

New Blue Business Cash Card merges aspects of credit and charge cards

CATEGORY DATA

Table 27 Charge Cards: Number of Cards in Circulation 2014-2019
Table 28 Charge Cards Transactions 2014-2019
Table 29 Charge Cards in Circulation: % Growth 2014-2019
Table 30 Charge Cards Transactions: % Growth 2014-2019
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 32 Commercial Charge Cards Transactions 2014-2019
Table 33 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 34 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 35 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 36 Personal Charge Cards Transactions 2014-2019
Table 37 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 38 Personal Charge Cards Transactions: % Growth 2014-2019
Table 39 Charge Cards: Number of Cards by Issuer 2014-2018
Table 40 Charge Cards: Number of Cards by Operator 2014-2018
Table 41 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 42 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 44 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 47 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 48 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 49 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 50 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 52 Forecast Charge Cards Transactions 2019-2024
Table 53 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 54 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 56 Forecast Commercial Charge Cards Transactions 2019-2024
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 60 Forecast Personal Charge Cards Transactions 2019-2024
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Credit card rewards slow down in 2019

Interest rates continue to rise

Premium rewards cards could spell trouble for merchants

COMPETITIVE LANDSCAPE

Mastercard launches new small business card features

Capital One suffers significant data breach

New Apple Card could be more flash than function

CATEGORY DATA

Table 63 Credit Cards: Number of Cards in Circulation 2014-2019
Table 64 Credit Cards Transactions 2014-2019
Table 65 Credit Cards in Circulation: % Growth 2014-2019
Table 66 Credit Cards Transactions: % Growth 2014-2019
Table 67 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 68 Commercial Credit Cards Transactions 2014-2019
Table 69 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 70 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 71 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 72 Personal Credit Cards Transactions 2014-2019
Table 73 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 74 Personal Credit Cards Transactions: % Growth 2014-2019
Table 75 Credit Cards: Number of Cards by Issuer 2014-2018
Table 76 Credit Cards: Number of Cards by Operator 2014-2018
Table 77 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 78 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 79 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 80 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 81 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 82 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 83 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 84 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 85 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 86 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 87 Forecast Credit Cards Transactions 2019-2024
Table 88 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 89 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 90 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 91 Forecast Commercial Credit Cards Transactions 2019-2024
Table 92 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 93 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 94 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 95 Forecast Personal Credit Cards Transactions 2019-2024
Table 96 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 97 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Debit card rewards make comeback through fintechs

Digital wallets likely to boost commercial card usage over forecast period

COMPETITIVE LANDSCAPE

Cash Card from Square Inc offers rewards and serves underbanked population

Green Dot offers unlimited cash back bank account

Glint brings gold-based debit cards to the US

CATEGORY DATA

Table 98 Debit Cards: Number of Cards in Circulation 2014-2019
Table 99 Debit Cards Transactions 2014-2019
Table 100 Debit Cards in Circulation: % Growth 2014-2019
Table 101 Debit Cards Transactions: % Growth 2014-2019
Table 102 Debit Cards: Number of Cards by Issuer 2014-2018
Table 103 Debit Cards: Number of Cards by Operator 2014-2018
Table 104 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 105 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 106 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 107 Forecast Debit Cards Transactions 2019-2024
Table 108 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 109 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in the US - Category analysis

HEADLINES

PROSPECTS

Pre-paid cards can be an effective solution for gig economy workers

New security protections for pre-paid cards

Increasing options for rewards

COMPETITIVE LANDSCAPE

Mango offers a pre-paid card with a generous savings account

Starbucks rewards Visa pre-paid card

Akimbo links multiple cards to one account

CATEGORY DATA

Table 110 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 111 Pre-paid Cards Transactions 2014-2019
Table 112 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 113 Pre-paid Cards Transactions: % Growth 2014-2019
Table 114 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 115 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 116 Open Loop Pre-paid Cards Transactions 2014-2019
Table 117 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 118 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 119 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 120 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 121 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 122 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 123 Forecast Pre-paid Cards Transactions 2019-2024
Table 124 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 125 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 126 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 127 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 128 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 129 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in the US - Category analysis

HEADLINES

PROSPECTS

Growth in store cards continues to slow

Economic volatility could lead to continued difficulties for store cards

New financing options threaten the relevance of store cards

COMPETITIVE LANDSCAPE

Kroger announces new Kroger Rewards store card and mobile payments service

Amazon launches credit builder store card

CATEGORY DATA

Table 130 Store Cards: Number of Cards in Circulation 2014-2019
Table 131 Store Cards Transactions 2014-2019
Table 132 Store Cards in Circulation: % Growth 2014-2019
Table 133 Store Cards Transactions: % Growth 2014-2019
Table 134 Store Cards: Number of Cards by Issuer 2014-2018
Table 135 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 136 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 137 Forecast Store Cards Transactions 2019-2024
Table 138 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 139 Forecast Store Cards Transactions: % Growth 2019-2024

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Megatrends

Country Report

Financial Cards and Payments in the US

New Report Guarantee

Executive Summary

New Report Guarantee

Card payments performing well amid trends towards personalisation

EMV chip cards are ubiquitous; will contactless follow suit?

Demand for real-time payments continues to grow with Fed support

Pressure abounds

Blurred lines and easier access

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY

Card payments performing well amid trends towards personalisation

EMV chip cards are ubiquitous; will contactless follow suit?

Demand for real-time payments continues to grow with Fed support

Pressure abounds

Blurred lines and easier access

MARKET INDICATORS

MARKET DATA

DEFINITIONS

SOURCES

Charge Cards in the US - Category analysis

HEADLINES

PROSPECTS

Charge cards continue to lose ground to credit cards

The future of charge cards is questionable

Charge cards could stay relevant through business customers

COMPETITIVE LANDSCAPE

Brex offers corporate charge cards to start-ups

American Express partners with Resy to offer new membership rewards

New Blue Business Cash Card merges aspects of credit and charge cards

CATEGORY DATA

Credit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Credit card rewards slow down in 2019

Interest rates continue to rise

Premium rewards cards could spell trouble for merchants

COMPETITIVE LANDSCAPE

Mastercard launches new small business card features

Capital One suffers significant data breach

New Apple Card could be more flash than function

CATEGORY DATA

Debit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Debit card rewards make comeback through fintechs

Digital wallets likely to boost commercial card usage over forecast period

COMPETITIVE LANDSCAPE

Cash Card from Square Inc offers rewards and serves underbanked population

Green Dot offers unlimited cash back bank account

Glint brings gold-based debit cards to the US

CATEGORY DATA

Pre-Paid Cards in the US - Category analysis

HEADLINES

PROSPECTS

Pre-paid cards can be an effective solution for gig economy workers

New security protections for pre-paid cards

Increasing options for rewards

COMPETITIVE LANDSCAPE

Mango offers a pre-paid card with a generous savings account

Starbucks rewards Visa pre-paid card

Akimbo links multiple cards to one account

CATEGORY DATA

Store Cards in the US - Category analysis

HEADLINES

PROSPECTS

Growth in store cards continues to slow

Economic volatility could lead to continued difficulties for store cards

New financing options threaten the relevance of store cards

COMPETITIVE LANDSCAPE

Kroger announces new Kroger Rewards store card and mobile payments service

Amazon launches credit builder store card

CATEGORY DATA