米国の金融カードと決済市場

2024年は、米国の金融カードとペイメントにとってまたとない大きな年となっています。インフレとの戦いの継続とトランプ新政権の誕生です。インフレはここ数年来の懸案事項でしたが、2024年にはようやくインフレ率がほぼ正常な水準に近づきました。インフレ率は依然として米国連邦準備制度理事会（FRB）の目標インフレ率を上回っているもの、FRBがインフレを抑制するほどには鈍化しています。

当レポートでは、米国の金融カードと決済市場について調査し、スマートカード、クレジットカード、デビットカード、チャージカード、プリペイドカード、ストアカードの市場規模と構造を明らかにしています。また、市場の主要参入企業（発行会社と運営会社）、カードの流通枚数、取引件数、取引額に注目し、セクターの予測や注目すべき動向について戦略的な分析を行っています。

目次

目次と表のリスト

エグゼクティブサマリー

市場指標

市場データ

免責事項

情報源

米国のデビットカード

主なデータ結果

2024年の発展

• デビットカードは米国で消費者が最もよく利用する支払い方法である
• 規制措置は2024年のカード環境の特徴であり続ける
• 米国の金融上の配慮は口座の種類に影響を与え続けている

展望と機会

• インフレはほぼ抑えられているが、依然として頭をもたげ続けている
• 商業用デビットカードの普及率は依然として低い
• 訴訟と最高裁判決

カテゴリーデータ

米国のクレジットカード

主なデータ結果

2024年の発展

• Capital OneがDiscover Financial Servicesの買収に動き、衝撃的な動きを見せた
• BNPLの熱狂は落ち着きつつあるようだが、カード会社が油断すれば脅威は依然として存在する
• 米国ではリワード市場が依然として堅調であり、市場は依然として世界をリードしています。

展望と機会

• CFPB、クレジットカードと同様にBNPLローンを規制する解釈裁定を発表
• 法人向けクレジットカード支出は引き続き魅力的な機会を提供している
• トランプ関税計画はクレジットカード支出増加の可能性を示唆

カテゴリーデータ

米国のチャージカード

主なデータ結果

2024年の発展

• Capital OneがDiscover Financial Servicesの買収を発表
• 金利の将来に関する不確実性はチャージカードに有利に働く可能性がある
• American Expressは依然として米国におけるチャージカードの圧倒的な地位を占めている

展望と機会

• チャージカードは、クレジットを嫌う若い消費者にとって依然として潜在的な選択肢である
• Discover Financial Servicesの買収による影響
• 法人向けチャージカード支出は今後も重要なターゲットであり続ける

カテゴリーデータ

米国のプリペイドカード

主なデータ結果

2024年の発展

• 暗号通貨はプリペイドカードを通じてその露出を拡大し続けている
• 2024年、プリペイドカード訴訟が急増
• ギフトカードはますますデジタル化している

展望と機会

• 混雑料金とオフィス再開により、プリペイドカードの支出は引き続き増加する
• 規制環境の緩和は間近に迫っている
• 詐欺は、最も抵抗の少ない経路として、プリペイドカードを頻繁に狙っている

カテゴリーデータ

米国のストアカード

主なデータ結果

2024年の発展

• BNPLと従来のクレジットカードからの継続的な圧力
• ストアカードはインフレ後の経済で苦境に立たされている多くの人々にとって依然として頼みの綱となっている
• 競争の激しい状況では、報酬と忠誠心は依然として重要な考慮事項

展望と機会

• 選挙結果は支払いと融資に大きな変化をもたらす可能性が高い
• 成長の機会
• テクノロジーは将来の成長への道を提供し続ける

カテゴリーデータ

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.

TABLE OF CONTENTS

List Of Contents And Tables

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