Fall 2025 Consumer Survey on Payment Cards

Morning Consult 2025 Payment Cards Infographic

Americans value credit cards and their rewards

94% are satisfied with their credit card(s)
94% value the convenience of using their credit card(s)
8 in 10 have at least one credit card that offers rewards
90% value the rewards program from their credit card(s)
7 in 10 would be disappointed to lose the rewards program on their credit card(s) due to government regulatory changes

Consumers do not think retailers should pass payment infrastructure costs onto them.

80% agree vs. 7% disagree Merchants and retailers get significant benefit from being able to accept credit cards for payment
6-to-1 say retailers — NOT customers — should pay for the convenience and infrastructure to offer customers the option of paying via credit or debit cards
7 in 10 would oppose lowering debit interchange fees banks can charge retailers if banks would have to increase fees for checking accounts

Consumers are concerned about government caps on credit card interest rates

Two-thirds oppose capping credit card interest rates if it meant more fees for using credit cards or other financial products or services

Credit card features consumers value most
1st – Fraud Protection
2nd – Emergency Access to Credit
3rd – Rewards
4th – Convenience

Source: Morning Consult, on behalf of the American Bankers Association, conducted an online survey from October 1-6, 2025. The margin of error is plus or minus 1 percentage point, from a weighted national sample of 4,475 adults.

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Fall 2025 Consumer Survey on Payment Cards

Americans value credit cards and their rewards

Consumers are concerned about government caps on credit card interest rates

Key Issues

Related Products

Fall 2025 Consumer Survey on Payment Cards

Americans value credit cards and their rewards

Consumers are concerned about government caps on credit card interest rates

Key Issues

Related Products

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