Americans love their credit cards — and the rewards that come with them. From cash back to airline miles, some people go all in, juggling multiple cards and tracking points just to score perks they might never splurge on otherwise, such as flying business class. In 2024, 81% of U.S. adults had a credit card, which translates to approximately 215 million people. (1) Must Read Almost half of cardholders carry a balance and, as of the second quarter of 2025, Americans were carrying a near-record total of $ ...