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Credit cards in circulation in the U.S., through 2010: American Express, 48.9 million, MasterCard, 171 million, Visa, 269 million. Information unavailable for Discover Card. According to The Survey of Consumer Payment Choice by the Federal Reserve Bank of Boston, there were 176.8 million credit card holders in 2008. The average person has 2.7 credit cards. The average age a person in the United States first got a credit card is 20.8 years. Over 78 percent of consumers own a credit card, 80 percent own a debit card, and 17 percent own a prepaid credit card.


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