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What percentage of American adults don't have a credit card?
18.5% of American adults don't have a credit card - about 19 in every 100, or 2 in 10. That is the figure published by the Survey of Household Economics and Decisionmaking for 2025.
0 in 100100 in 100
18.5
Where this number comes from
- Survey
- Survey of Household Economics and Decisionmaking
- What it measured
- SHED 2025 item C2A (“Do you currently have at least one credit card? Please do not include debit cards or prepaid cards.”), counting responses 0=No. Computed from the Federal Reserve's public-use microdata with its post-stratification weight WEIGHT. The public file has no design variables or replicate weights, so the standard error follows the Fed's documented design effect: SE = √(deff · p(1−p)/n), deff = 1.144 (the Fed's 1.14, or the Kish design effect of these weights if larger); unweighted n = 12,934.
- Population
- U.S. adults aged 18 and over
- Year
- 2025
- 95% confidence interval
- 17.78% to 19.22% (derived from the published standard error)
Board of Governors of the Federal Reserve System, public-use data (doi:10.17016/datasets.002). Percentages computed here, with attribution.. See the source data
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