As credit card debt continues to rise, fueled by inflation and high interest rates, the personal-finance company WalletHub has published an updated report on the Cities With the Most Credit Cards, to highlight areas that may face greater financial vulnerability this year.
To identify the cities with the fastest-growing credit card ownership, WalletHub analyzed its latest consumer-finance data based on four key metrics. These included the average number of cards owned per person, the average number of new cards opened per person in Q4 2025, and the percentage change in both from Q4 2024.
| Most Credit Cards | Fewest Credit Cards |
| 1. Henderson, NV | 91. Colorado Springs, CO |
| 2. St. Louis, MO | 92. Bakersfield, CA |
| 3. Garland, TX | 93. Boston, MA |
| 4. Irvine, CA | 94. Chandler, AZ |
| 5. Anaheim, CA | 95. Wichita, KS |
| 6. Santa Clarita, CA | 96. San Francisco, CA |
| 7. Chesapeake, VA | 97. Irving, TX |
| 8. Hialeah, FL | 98. Newark, NJ |
| 9. Durham, NC | 99. Seattle, WA |
| 10. St. Petersburg, FL | 100. Glendale, CA |
For the full report, please visit:
https://wallethub.com/edu/
“There isn’t a magic number of credit cards you should have in your wallet. It’s good to own multiple cards if you can manage them well, by paying on time, keeping your credit utilization low and waiting at least six months between applications. However, if you’re opening new cards simply to spend beyond your means, you’ll quickly find many cards hard to manage.”
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“Henderson, NV ranks first because residents own a lot of cards and are adding new accounts quickly. Henderson residents opened more credit cards than people in any other city but one during Q4 2025, at 1.4 cards on average. People in Henderson own an average of 6.2 credit cards, which is more than the average in all but five other cities. Therefore, it's crucial that residents avoid overspending and make sure they pay all of their bills on time each month.”
- John Kiernan, WalletHub Editor
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