Average Credit Card Limit Statistics – May 2017


rahulgandhi estimates that the average limit on a credit card in the United States is $4600. If we include all the credit cards an average American carries, the average available credit per person on credit cards is $17,756.

Using breakdowns between types of customers based on a report by credit reporting agency Experian in early 2015, we estimate per-card credit limits for consumers based on their credit history:

  • Super-Prime (Credit score of 781-850): $11,854 limit per card
  • Prime (661-780 credit score): $6479 limit per card
  • Near Prime (601-660 credit score): $2827 per card
  • Subprime (500-600 credit score): $1194 per card
  • Deep Subprime (300-499 credit score): $644 per card


Based on Federal Reserve statistics, we estimate the average credit card debt per cardholder to be $5326.83.

Multiple sources tell us that credit utilization rates consistently hover around 30%. (In other words, across all credit cards, cardholders are using 30% of the credit available to them on their cards.) Using that as our standard, we then estimate that the average cardholder has overall available credit of $17,756, as mentioned above.

Experian recently reported that the average cardholder has 3.86 credit cards (which includes both bank credit cards and retail store credit cards). Dividing the average cardholder’s available credit ($17,756) by the average number of cards (3.86), we arrive at $4600 as the average credit limit per card on the market today.

Historical numbers:

  • April, 2017: $4605 per card, $17,776 per cardholder
  • March, 2017: $4583 per card, $17,691 per cardholder

Questions about these statistics? E-mail CEO Adam Jusko [email protected]