P
Pulsafi

Average Credit Card Debt in the US (2026)

$6,580
Average credit card balance per US consumer
Summary

The average credit card balance per US consumer is approximately $6,580 in 2026, with total US credit card debt at $1.18 trillion. The average APR on credit cards has risen to 21.8%, the highest in decades. About 47% of American adults carry a balance month-to-month, paying interest charges.

Breakdown

Avg balance per consumer$6,580
Total US credit card debt$1.18T
Average APR (2026)21.8%
% carrying a balance47%
Median balance (carrying)$2,500
Source
Federal Reserve Bank of New York / Experian· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.