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Assets
Financial Assets$61.8T
Stocks & Equities$47.2T
21% of households
Cash & Deposits$9.6T
99% of households
Bonds & Fixed Income$6.2T
1% of households
Retirement & Tax-Adv.$77.8T
Retirement Accounts$48.1T
54% of households
IRAs$18.9T
31% of households
401(k) Plans$10.0T
50% of households
529 Plans$603B
13% of households
HSAs$159B
27% of households
Real Assets$87.1T
Real Estate$48.0T
66% of households
Commercial Real Estate$22.5T
6% of households
Residential Rentals$10.3T
13% of households
Farms$3.6T
1.5% of households
Vehicles$2.4T
87% of households
Mineral Rights$314B
9% of households
Business & Insurance$20.1T
Private Business$16.0T
15% of households
Life Insurance$2.2T
16% of households
RSUs & Equity Comp$2.1T
8% of households
Total Assets $181.6T
Ownership %: Federal Reserve SCF, 2022
Liabilities
Housing Debt$14.8T
Mortgages$13.77T
42% of households
HELOCs$434B
4% of households
HELOANs$562B
~3% of households
Consumer Credit$3.6T
Vehicle Loans$1.67T
35% of households
Credit Cards$1.33T
45% of households
Personal Loans$276B
19% of households
Vehicle Leases$209B
~10% of households
BNPL Debt$70B
~17% of households
Education & Health$2.1T
Student Loans$1.66T
22% of households
Medical Debt$194B
~14% of households
Deferred Medical$200B
~36% of households
Other Debt$2.2T
Margin Loans & SBLOCs$1.23T
~4% of households
Personal Guarantees$840B
~6% of households
Insurance Policy Loans$151B
~5% of households
Total Liabilities $20.9T
Holding %: Federal Reserve SCF 2022 & agency estimates
Net Worth
Overview By Percentile By Age
Cash Flow
Income Spending Taxes Debt Service Savings
Households
Overview By Age By Generation
Home / Liabilities / Credit Cards

Credit Cards

Time series data on U.S. revolving credit, interest rates, aggregate limits, utilization, and credit card accounts per household.

Credit card debt hit a record $1.33T at 20.97% average APR, highest rate on record
Data View Commentary →
Revolving Credit Outstanding
$1,329B Dec 2025
Source: FRED REVOLSL · Federal Reserve G.19
Credit Card Interest Rate
20.97% Nov 2025
Source: FRED TERMCBCCALLNS · Federal Reserve G.19
Number of Credit Card Accounts
648.1M Q4 2025
Source: NY Fed Consumer Credit Panel / Equifax · Q4 2025
Aggregate Credit Card Limits
$4,863B Q3 2025
Source: FRED RCCCBCOMTOT · Phila. Fed / FR Y-14M
Average Credit Card Utilization
7.54% Q3 2025
Source: FRED RCCCBACTIVEUTILPCT50 · Phila. Fed / FR Y-14M
Median Credit Limit Per Card
$5,100 Q3 2025
Source: FRED RCCCBLIMPCT50 · Phila. Fed / FR Y-14M
Credit Card Accounts Per Household
4.81 Q4 2025
Source: NY Fed / Census TTLHH · Computed
Total Interest Charges Assessed
$160B 2024
Source: CFPB Credit Card Market Report · 2025 (7th Biennial)
Credit Card Rewards Earned
$47.5B 2024
Source: CFPB Credit Card Market Report · General purpose cards, MMI issuers

Key Credit Card Metrics

Data and supplemental research on U.S. credit card markets.

Metric Value As Of Source
Outstanding CC Balances $1.33 Trillion Dec 2025 FRED REVOLSL
Average CC Interest Rate 20.97% Nov 2025 FRED TERMCBCCALLNS
Annual Credit Card Spending $11T+ 2024 est. Fed Payments Study
Total Noncash Payments $128T+ 2022 Fed Payments Study
Aggregate Credit Card Limits $4.86 Trillion Q3 2025 FRED RCCCBCOMTOT
Median Utilization Rate (50th pctl) 7.54% Q3 2025 FRED RCCCBACTIVEUTILPCT50
Median Credit Limit Per Card $5,100 Q3 2025 FRED RCCCBLIMPCT50
CC Accounts Per Household 4.81 Q4 2025 NY Fed / Census
Total Interest Charges Assessed $160 Billion 2024 CFPB CARD Act Report
Total Rewards Earned (GP Cards) $47.5 Billion 2024 CFPB CARD Act Report
View Commentary →