Countries by Credit Card Ownership
Complete ranking of 159 countries • % adults • Updated 2026
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Top 10 Countries
Full Rankings
| Percentile | ||||
|---|---|---|---|---|
| 1st |  Canada | 82.7% | North America | 100% |
| 2nd |  Israel | 79.1% | Asia | 99% |
| 3rd |  Iceland | 74.0% | Europe | 99% |
| 4th |  Hong Kong | 71.6% | Asia | 98% |
| 5th |  Luxembourg | 69.8% | Europe | 97% |
| 6th |  Japan | 69.7% | Asia | 97% |
| 7th |  Switzerland | 69.2% | Europe | 96% |
| 8th |  South Korea | 68.4% | Asia | 96% |
| 9th |  Norway | 66.7% | Europe | 95% |
| 10th |  United States | 66.7% | North America | 94% |
| 11th |  Finland | 65.3% | Europe | 94% |
| 12th |  United Kingdom | 62.1% | Europe | 93% |
| 13th |  Austria | 59.0% | Europe | 92% |
| 14th |  Denmark | 58.5% | Europe | 92% |
| 15th |  Italy | 57.9% | Europe | 91% |
| 16th |  New Zealand | 57.2% | Oceania | 91% |
| 17th |  Spain | 56.6% | Europe | 90% |
| 18th |  Germany | 56.5% | Europe | 89% |
| 19th |  Ireland | 55.0% | Europe | 89% |
| 20th |  Australia | 51.4% | Oceania | 88% |
| 21st |  Belgium | 49.8% | Europe | 87% |
| 22nd |  Sweden | 48.4% | Europe | 87% |
| 23rd |  China | 46.0% | Asia | 86% |
| 24th |  Slovenia | 45.0% | Europe | 86% |
| 25th |  Turkey | 43.7% | Europe | 85% |
| 26th |  Brazil | 43.5% | South America | 84% |
| 27th |  Malta | 42.5% | Europe | 84% |
| 28th |  Singapore | 41.7% | Asia | 83% |
| 29th |  Ukraine | 41.1% | Europe | 82% |
| 30th |  Croatia | 40.6% | Europe | 82% |
| 31st |  France | 39.8% | Europe | 81% |
| 32nd |  Portugal | 38.5% | Europe | 81% |
| 33rd |  Netherlands | 37.4% | Europe | 80% |
| 34th |  Uruguay | 36.5% | South America | 79% |
| 35th |  Estonia | 34.9% | Europe | 79% |
| 36th |  Cyprus | 32.5% | Europe | 78% |
| 37th |  Qatar | 32.3% | Asia | 77% |
| 38th |  Slovakia | 30.9% | Europe | 77% |
| 39th |  Saudi Arabia | 30.1% | Asia | 76% |
| 40th |  Argentina | 29.9% | South America | 75% |
| 41st |  Czechia | 29.9% | Europe | 75% |
| 42nd |  Bahrain | 29.8% | Asia | 74% |
| 43rd |  United Arab Emirates | 26.8% | Asia | 74% |
| 44th |  Kazakhstan | 26.5% | Asia | 73% |
| 45th |  North Macedonia | 26.0% | Europe | 72% |
| 46th |  Russia | 25.1% | Europe | 72% |
| 47th |  Serbia | 24.3% | Europe | 71% |
| 48th |  Chile | 24.3% | South America | 70% |
| 49th |  Puerto Rico | 23.9% | North America | 70% |
| 50th |  Greece | 23.2% | Europe | 69% |
| 51st |  Kuwait | 22.3% | Asia | 69% |
| 52nd |  Romania | 22.2% | Europe | 68% |
| 53rd |  Dominican Republic | 21.4% | North America | 67% |
| 54th |  Poland | 20.3% | Europe | 67% |
| 55th |  Mauritius | 18.7% | Africa | 66% |
| 56th |  Belarus | 18.7% | Europe | 65% |
| 57th |  Latvia | 17.1% | Europe | 65% |
| 58th |  Venezuela | 16.1% | North America | 64% |
| 59th |  Trinidad and Tobago | 16.0% | North America | 64% |
| 60th |  Hungary | 15.9% | Europe | 63% |
| 61st |  Costa Rica | 15.8% | North America | 62% |
| 62nd |  Georgia | 15.6% | Europe | 62% |
| 63rd |  Belize | 14.9% | North America | 61% |
| 64th |  Ecuador | 14.4% | South America | 60% |
| 65th |  Mexico | 14.2% | North America | 60% |
| 66th |  Montenegro | 13.9% | Europe | 59% |
| 67th |  Maldives | 13.8% | Asia | 58% |
| 68th |  Bosnia and Herzegovina | 13.7% | Europe | 58% |
| 69th |  Azerbaijan | 13.4% | Europe | 57% |
| 70th |  Malaysia | 13.2% | Asia | 57% |
| 71st |  Panama | 12.7% | North America | 56% |
| 72nd |  Peru | 12.6% | South America | 55% |
| 73rd |  Bulgaria | 12.6% | Europe | 55% |
| 74th |  Iran | 12.4% | Asia | 54% |
| 75th |  Oman | 12.3% | Asia | 53% |
| 76th |  Lithuania | 11.9% | Europe | 53% |
| 77th |  Jamaica | 11.8% | North America | 52% |
| 78th |  Bolivia | 11.3% | South America | 52% |
| 79th |  Iraq | 10.1% | Asia | 51% |
| 80th |  Paraguay | 9.9% | South America | 50% |
| 81st |  Libya | 9.9% | Africa | 50% |
| 82nd |  South Africa | 9.7% | Africa | 49% |
| 83rd |  Namibia | 9.2% | Africa | 48% |
| 84th |  Senegal | 9.1% | Africa | 48% |
| 85th |  Colombia | 8.7% | North America | 47% |
| 86th |  Tajikistan | 8.6% | Asia | 47% |
| 87th |  Kyrgyzstan | 8.5% | Asia | 46% |
| 88th |  Sri Lanka | 8.1% | Asia | 45% |
| 89th |  Thailand | 8.0% | Asia | 45% |
| 90th |  Moldova | 8.0% | Europe | 44% |
| 91st |  Palestine | 7.8% | Asia | 43% |
| 92nd |  Armenia | 7.7% | Europe | 43% |
| 93rd |  Albania | 7.4% | Europe | 42% |
| 94th |  Mauritania | 7.3% | Africa | 42% |
| 95th |  Botswana | 7.3% | Africa | 41% |
| 96th |  El Salvador | 6.9% | North America | 40% |
| 97th |  Haiti | 6.9% | North America | 40% |
| 98th |  Uzbekistan | 6.8% | Asia | 39% |
| 99th |  Jordan | 6.8% | Asia | 38% |
| 100th |  Egypt | 6.0% | Africa | 38% |
| 101st |  Indonesia | 5.9% | Asia | 37% |
| 102nd |  Vietnam | 5.8% | Asia | 36% |
| 103rd |  Mongolia | 5.5% | Asia | 36% |
| 104th |  Algeria | 5.2% | Africa | 35% |
| 105th |  Eswatini | 5.0% | Africa | 35% |
| 106th |  Togo | 4.9% | Africa | 34% |
| 107th |  Mozambique | 4.7% | Africa | 33% |
| 108th |  India | 4.6% | Asia | 33% |
| 109th |  Lebanon | 4.5% | Asia | 32% |
| 110th |  Kenya | 4.4% | Africa | 31% |
| 111st |  Ghana | 4.4% | Africa | 31% |
| 112nd |  Angola | 4.4% | Africa | 30% |
| 113rd |  Lesotho | 4.4% | Africa | 30% |
| 114th |  Mali | 4.3% | Africa | 29% |
| 115th |  Comoros | 4.3% | Africa | 28% |
| 116th |  Guatemala | 4.2% | North America | 28% |
| 117th |  Honduras | 4.1% | North America | 27% |
| 118th |  Djibouti | 4.0% | Africa | 26% |
| 119th |  Nicaragua | 3.8% | North America | 26% |
| 120th |  Chad | 3.5% | Africa | 25% |
| 121st |  Nigeria | 3.2% | Africa | 25% |
| 122nd |  Philippines | 3.0% | Asia | 24% |
| 123rd |  Gabon | 3.0% | Africa | 23% |
| 124th |  Benin | 3.0% | Africa | 23% |
| 125th |  Central African Republic | 2.9% | Africa | 22% |
| 126th |  Côte d'Ivoire | 2.9% | Africa | 21% |
| 127th |  Syria | 2.8% | Asia | 21% |
| 128th |  Cameroon | 2.6% | Africa | 20% |
| 129th |  Tunisia | 2.6% | Africa | 19% |
| 130th |  Guinea | 2.4% | Africa | 19% |
| 131st |  Zambia | 2.3% | Africa | 18% |
| 132nd |  Burkina Faso | 2.3% | Africa | 18% |
| 133rd |  Congo, Democratic Republic | 2.0% | Africa | 17% |
| 134th |  Uganda | 2.0% | Africa | 16% |
| 135th |  Gambia | 2.0% | Africa | 16% |
| 136th |  Myanmar | 2.0% | Asia | 15% |
| 137th |  Bangladesh | 1.7% | Asia | 14% |
| 138th |  Pakistan | 1.6% | Asia | 14% |
| 139th |  Liberia | 1.6% | Africa | 13% |
| 140th |  Zimbabwe | 1.2% | Africa | 13% |
| 141st |  Laos | 1.1% | Asia | 12% |
| 142nd |  Madagascar | 1.1% | Africa | 11% |
| 143rd |  Sierra Leone | 1.1% | Africa | 11% |
| 144th |  Afghanistan | 1.1% | Asia | 10% |
| 145th |  Congo | 0.9% | Africa | 9% |
| 146th |  Tanzania | 0.8% | Africa | 9% |
| 147th |  Cambodia | 0.8% | Asia | 8% |
| 148th |  Rwanda | 0.7% | Africa | 8% |
| 149th |  Somalia | 0.6% | Africa | 7% |
| 150th |  Morocco | 0.6% | Africa | 6% |
| 151st |  Yemen | 0.5% | Asia | 6% |
| 152nd |  Niger | 0.5% | Africa | 5% |
| 153rd |  Malawi | 0.5% | Africa | 4% |
| 154th |  Ethiopia | 0.4% | Africa | 4% |
| 155th |  Sudan | 0.4% | Africa | 3% |
| 156th |  Nepal | 0.4% | Asia | 3% |
| 157th |  Burundi | 0.3% | Africa | 2% |
| 158th |  Bhutan | 0.3% | Asia | 1% |
| 159th |  South Sudan | 0.2% | Africa | 1% |