Most US Consumers Typically Use One Or Two Credit Or Debit Cards For Purchases

Digital payment usage is growing in the US, but credit and debit cards are still the most common funding mechanism that underpins digital payment methods. The increased consumer adoption of wallets like Amazon Pay, Apple Pay, and Google Pay — and the increasing payment method clutter on checkout pages — obfuscates a simpler reality. Most US online adults still own and, most importantly, predominantly use one to two credit or debit cards. In a typical week, 88% of US online adults indicated they used one (56%) or two (32%) credit or debit cards for purchases, per Forrester’s May 2025 Consumer Pulse Survey.