Triennial debit card penetration in the U.S. 2011-2024, by demographic
According to a three-year survey, more than eight out of 10 respondents from the United States owned a debit card in 2021 although only 70 percent actually used one. The difference between ownership and usage was roughly 13 percentage points in 2021, a slight decrease from a difference of 13 percentage points in 2017. The report adds that women were much more likely than men to own such a payment card. Gen Z - or the age group 15 to 24 years in this survey - was less likely to own a debit card than their older counterparts although their ownership of debit cards was much higher when compared to Gen Z credit card ownership.