{"id":34607,"date":"2023-06-06T17:15:39","date_gmt":"2023-06-06T16:15:39","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=34607"},"modified":"2025-10-28T16:21:09","modified_gmt":"2025-10-28T16:21:09","slug":"credit-card-statistics","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/credit-card-statistics","title":{"rendered":"Credit card statistics and trends UK"},"content":{"rendered":"<p>If used correctly, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards\">credit cards<\/a> can help you to spread out expenses month by month, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\">earn rewards<\/a> on day-to-day spending and improve your credit score. We\u2019ve collated the latest statistics on credit card ownership and spending in the UK.<\/p><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">UK credit card statistics: Highlights<\/h3><ul><li> More than 59 million credit cards were in circulation as of April 2025.<\/li><li>More than two-thirds of UK adults (68%) have a credit card.<\/li><li>The average transaction value on a credit card is \u00a356.<\/li><li>Approximately 12.2 million credit card transactions happen per day.<\/li><li>The average monthly spend per UK credit card was \u00a3360 in April 2025.<\/li><li>UK residents spent \u00a321.3 billion on credit cards in April 2025.<\/li><\/ul><\/div><\/article><h3>What is the size of the UK credit card market?<\/h3><p>As of April 2025, there are 59.3 million credit cards in the UK, up from 58.5 million in January 2024 but down from 62.8 million in January 2021. <\/p><p>People spent \u00a321.3 billion on UK credit cards in April 2025, up from a total spend of around \u00a320.8 billion in January 2025 and almost the double the amount spent in January 2021 which was \u00a310.7 billion. This represents a 99.2% increase from January 2021 to April 2025.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-txOBg\" title=\"There were 58.5 million credit cards in the UK in Jan 2024\" width=\"100%\" height=\"414\" scrolling=\"no\" aria-label=\"Stacked Columns\" src=\"https:\/\/datawrapper.dwcdn.net\/txOBg\/2\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">Number of credit cards<\/th>\n                            <th scope=\"col\">Number of debit cards<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>2025<\/td>\n                            <td>59,253,000<\/td>\n                            <td>105,273,000<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2024<\/td>\n                            <td>58,462,000<\/td>\n                            <td>101,678,000<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2023<\/td>\n                            <td>58,648,000<\/td>\n                            <td>100,074,700<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2022<\/td>\n                            <td>59,895,000<\/td>\n                            <td>96,825,000<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2021<\/td>\n                            <td>62,778,000<\/td>\n                            <td>92,210,000<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>How many people have a credit card in the UK?<\/h3><p>An estimated 36.2 million people, or 68% of UK adults, have at least one credit card in 2023, according to our 2023 survey. On average, UK residents have around 1.7 credit cards per person. <\/p>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; }\n.newsletter-signupImageHolder { width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 80px !important; position: relative; }\n.newsletter-signupImage { width: 74px; min-width: 74px; position: absolute; bottom: 0; right: 0; padding-right: 8px; }\n.newsletter-signupGrid { padding-bottom: 0 !important; }\n.newsletter-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.3px; }\n.newsletter-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 22px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; color: #232320}\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n.newsletter-signupCard { height: 120px; }\n.newsletter-signupImageHolder { max-width: 92px !important; }\n.newsletter-signupImage { min-width: 100px; padding-right: 6px; }\n}\n@media only screen and (max-width: 601px) {\n.newsletter-signupCard { height: 200px; }\n}\n<\/style>\n\n\n\n<div id=\"newsletter-signup\" class=\"u-rounded--lg has-padding-small no-padding-bottom has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom newsletter-signupImageHolder\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col has-margin-bottom-xsmall\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@l\">\n\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall is-hidden is-visible@s\">Share your opinions to win prizes or earn cash!<\/p>\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xxsmall has-padding-bottom-xxsmall is-hidden@s\">Share your opinions to win!<\/p><p class=\"newsletter-signupText no-margin-bottom has-padding-bottom-xsmall\">Sign up to receive deals and tips, plus opportunities to win prizes for your opinions and experiences! 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Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>What is the average credit card spend per month?<\/h3><p>The average monthly spend on a credit card is \u00a3360, as of April 2025. This has more than doubled since January 2021, when the average monthly spend on a credit card was just \u00a3171. This further represents a 111.1% increase from January 2021.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-1\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-1\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-1\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-87Qkb\" title=\"The average monthly credit card spend was \u00a3348 in January 2024\" width=\"100%\" height=\"455\" scrolling=\"no\" aria-label=\"Column Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/87Qkb\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-1\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">Average monthly credit card spend<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>2025<\/td>\n                            <td>\u00a3360<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2024<\/td>\n                            <td>\u00a3349<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2023<\/td>\n                            <td>\u00a3321<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2022<\/td>\n                            <td>\u00a3270<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2021<\/td>\n                            <td>\u00a3171<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>How many card transactions happen per day in the UK?<\/h3><p>Approximately 12.2 million credit card transactions happen on UK cards per day, including UK holders and overseas, but the number of credit card transactions varies month-on-month.<br>This year, while transactions per day peaked in December 2024 (13.5 million); as of April 2025, the number of credit card transactions per day are 12.8 million. This represents a subtle 5.3% decrease from December 2024.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-2\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-2\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-2\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-iJFt8\" title=\"There were 11.2 million credit card transactions per day in Jan 2024\" width=\"100%\" height=\"456\" scrolling=\"no\" aria-label=\"Interactive line chart\" src=\"https:\/\/datawrapper.dwcdn.net\/iJFt8\/2\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-2\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">Number of daily credit card transactions<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Apr 2025<\/td>\n                            <td>12.8 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2025<\/td>\n                            <td>12.4 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2025<\/td>\n                            <td>11.9 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2025<\/td>\n                            <td>11.2 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 2024<\/td>\n                            <td>13.5 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 2024<\/td>\n                            <td>12.7 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 2024<\/td>\n                            <td>12.4 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 2024<\/td>\n                            <td>12.8 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 2024<\/td>\n                            <td>12.4 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 2024<\/td>\n                            <td>13.1 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 2024<\/td>\n                            <td>11.9 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 2024<\/td>\n                            <td>12.3 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 2024<\/td>\n                            <td>12.5 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2024<\/td>\n                            <td>11.2 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2024<\/td>\n                            <td>11.8 million<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2024<\/td>\n                            <td>11.2 million<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>What is the average credit card purchase value?<\/h3><p>The average credit card purchase value is estimated to be \u00a356 as of April 2025.  <\/p><p>While the overall value of transactions on credit cards has increased, so has the number of transactions, leading to just a slight increase in the average purchase value, from \u00a355 in January 2021 to \u00a356 in April 2025.<\/p><h3>How many credit cards does the average person have?<\/h3><p>On average, people in the UK have 1.7 credit cards. However, the numbers vary drastically from person to person. According to external research, more than a quarter of Brits (26%) have 3 to 4 cards. Some Brits don\u2019t have a credit card at all!<\/p><h3>Credit card usage by age<\/h3><p>According to our 2023 survey, 25-34 year-olds are most likely to have a credit card, with three-quarters (75%) of this age group owning one. They are closely followed by 18-24 year-olds, where 74% own a credit card.<\/p><p>Interestingly, those who are aged 45-54 are least likely to have a credit card, as less than two-thirds of this age group (63%) own one. <\/p><p>Those who are younger tend to have a less developed credit history, so more young people may be acquiring credit cards so that they can build their credit score. <\/p><h3>Credit card usage by gender<\/h3><p>Men are more likely to have a credit card than women, with around 7 in 10 men (71%) owning one compared to 65% of women. <\/p><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Methodology<\/h3><ul>To find out the percentage of people with a credit card, Finder commissioned Censuswide to carry out a nationally representative survey of adults aged 18+. A total of 2,000 people were questioned throughout Great Britain between 30.10.2023 and 01.11.2023, with representative quotas for gender, age and region.<\/ul><\/div><\/article><div data-tags=\"scale-surveys product-data-insight\">\n<h4>Click <a href=\"https:\/\/www.finder.com\/uk\/stats-facts\">here<\/a> for more research. 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flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 100px; position: relative;\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-fltr-signupImage\" width=\"92\" height=\"159\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=276 276w\" sizes=\"(max-width: 276px) 100vw, 276px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@m\">\n\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall is-hidden is-visible@s\">Share your opinions to win prizes or earn cash!<\/p>\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xxsmall has-padding-bottom-xxsmall is-hidden@s\">Share your opinions to win!<\/p><p class=\"newsletter-fltr-signupText no-margin-bottom has-padding-bottom-xsmall\">Sign up to receive deals and tips, plus opportunities to win prizes for your opinions and experiences! 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Thanks for signing up.\";\nsetTimeout(fltrCloseNewsletterSignup, 1000);\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n};\n\nfunction fltrSendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\nfunction fltrCloseNewsletterSignup() {\ndocument.getElementById(\"newsletter-fltr-signup\").style.display = \"none\";\ndocument.getElementById(\"newsletter-fltr-signup\").classList.add(\"clsd\");\n}\n\ndocument.getElementById(\"newsletter-fltr-signup-close-btn\").onclick = fltrCloseNewsletterSignup;\n\nvar myScrollFunc = function() {\nvar fltremlsgnp = document.getElementById(\"newsletter-fltr-signup\");\nvar y = document.documentElement.scrollTop;\nif (y > 750 && !fltremlsgnp.classList.contains(\"clsd\")) {\nfltremlsgnp.style.display = \"block\";\nfltremlsgnp.classList.add(\"fadeIn\");\n}\n};\n\nwindow.addEventListener(\"scroll\", myScrollFunc);\n<\/script>","protected":false},"excerpt":{"rendered":"<p>We look at the latest statistics on credit card ownership and spending in the UK. Here\u2019s what we 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