U.S. Mastercard/Visa Credit Card Issuers–Midyear 2021

[Pages:2]The five largest issuers at midyear 2021 based on purchase volume had a 70.5% market

share, up from 70.2% at midyear 2020.

U.S. Mastercard/Visa Credit Card Issuers?Midyear 2021

The 100 largest U.S. issuers of Mastercard and Visa credit cards generated $1.523 trillion in total volume and $1.492 trillion in purchase volume from January 1 through June 30, 2021. Total volume was up 20.7% from $1.262 trillion for the period January 1 through June 30, 2020. Purchase volume was up 21.9% from $1.225 trillion.

Purchase volume for the top 5 issuers during the first six months totaled $1.119 trillion, up 22.2%. This was an increase of $203.11 billion from $916.37 billion for the first six months of 2020. Issuers ranked 6?10 collectively accounted for $171.13 billion in purchase volume, up $26.24 billion or 18.1%. Among the 50 largest issuers, 46 reported increases in purchase volume. Among the second 50 largest, 48 reported increases.

Outstandings for the top 100 totaled $633.72 billion at June 30, 2021, down 2.4% from $649.63 billion for the top 100 at June 30 the prior year.

As of June 30, 2021, outstandings totaled $448.51 billion for the top 5 issuers, down 2.8%. This was a decrease of $12.90 billion from June 30, 2020. For issuers ranked 6?10, outstandings totaled $101.98 billion, down $5.42 billion or 5.0%. Among the 50 largest, 21 reported increases in outstandings. Among the second 50 largest, 23 reported increases.

Upgrade and Avant, both fintechs, were new entrants into the top 100 for both purchase volume and outstandings.

Prior issues: 1183, 1161, 1138, 1116, 1093, 1070, 1048 p12

Top 10 Issuers of Visa and Mastercard Credit Cards in the U.S. at Midyear 2021

Ranked by January?June Purchase Volume in $Billions

CHASE $432.27

CITI $217.57

27.2%

THE REST $297.07

18.7%

$1.59 Trillion

13.7% 12.9%

CAPITAL ONE $204.62

COMDATA $22.33

USAA $22.74

3.8% 4.8%

SYNCHRONY

$29.27 BARCLAYS

$36.26 WELLS FARGO

$60.53

11.9%

BANK OF

AMERICA

$188.85

U.S. BANK $76.16

? 2021 Nilson Report

NILSON REPORT 11

U.S. General Purpose Credit Card Issuers at Midyear

Outstandings & Cards Midyear 2021

U.S. Visa/Mastercard Credit Card Issuers

Rank

MY21 MY20

11 22 34 43 55 66 77 89 98 10 10 11 11 12 13 13 14 14 12 15 19 16 15 17 16 18 18 19 17 20 20 21 22 22 21 23 23 24 25 25 26 26 27 27 30 28 31 29 28 30 29 31 34 32 32 33 35 34 33 35 36 36 38 37 37 38 39 39 41 40 40 41 42 42 45 43 48 44 46 45 43 46 65 47 44 48 -- 49 52 50 47

ISSUER

Chase Citi Capital One Bank of America U.S. Bank Wells Fargo Barclays Navy FCU Synchrony USAA PNC Bank Credit One Bank First Natl. of Nebraska TD Bank Goldman Sachs Bank Alliance Data Truist Fifth Third Bank Merrick Bank Citizens Bank Pentagon FCU Regions Bank First Premier Bank KeyBank Mercury Financial BECU ICBA Bancard Commerce Bank HSBC Bank USA BBVA USA BMO Harris M&T Bank State Employees' CU (N.C.) Suncoast CU Huntington Natl. Bank SchoolsFirst FCU PSECU Golden 1 CU America First FCU Digital FCU Mountain America FCU First Citizens Bank MUFG Union Bank VyStar CU Randolph-Brooks FCU Continental Finance Bank of the West Upgrade Comdata UMB Bank

Outstandings

(MIL.)

$141,802.0 $97,819.7

CHANGE

0.1% -1.5%

$86,064.0 -4.3% $85,120.1 -8.2%

$37,704.7 -0.3% $32,193.9 -6.5%

$19,960.4 -8.0% $18,569.9 1.8%

$18,400.0 0.0% $12,856.2 -12.1%

$7,694.9 -5.0% $6,258.9 -2.3%

$6,058.2 5.8% $6,051.7 -6.1%

$5,210.0 128.3% $5,157.5 5.4%

$4,609.1 -5.2% $3,381.4 25.8%

$2,920.6 -3.3% $1,823.7 -7.4%

$1,606.0 1.9% $1,547.3 -7.3%

$1,507.7 10.0% $1,350.2 3.3%

$1,191.4 -2.8% $1,074.4 -4.6%

$906.1 -7.8% $890.6 -1.6%

$867.0 -18.1% $866.2 -16.7%

$829.1 10.5% $828.2 7.2%

$749.5 0.9% $714.4 -5.8%

$706.8 -2.4% $700.3 2.4%

$672.6 -4.3% $608.4 -10.0%

$571.4 1.8% $556.9 -2.2%

$504.9 3.0% $502.4 8.3%

$485.8 21.5% $467.2 5.0%

$447.0 -6.9% $440.8 87.2%

$438.7 -5.6% $416.1 755.9%

$413.5 21.5% $368.7 -13.2%

Cards

(000) CHANGE

111,100 14.4% 71,478 1.9% 108,400 0.7% 53,256 -1.2% 21,883 -0.2% 17,926 -0.5% 14,077 -1.3% 5,191 22.6% 30,670 1.1% 7,367 -1.4% 5,579 -5.6% 15,563 17.7% 4,161 0.6% 6,204 1.7% 4,565 47.5% 8,594 17.1% 4,132 -26.6% 4,139 1.3% 3,105 2.1% 3,782 1.3%

612 10.3% 1,066 -53.3% 4,305 18.3% 1,198 3.1%

938 15.1% 476 -16.2% 2,152 -2.2% 739 -5.3% 880 -10.2% 670 -8.2% 612 -8.8% 780 5.7% 387 5.7% 365 8.3% 827 7.7% 521 20.4% 249 0.3% 261 4.5% 408 7.3% 360 2.7% 309 15.4% 354 5.1% 314 0.7% 266 -2.5% 264 4.2% 835 45.7% 348 -0.4% 217 677.6% 4,109 29.3% 3,622 411.3%

Rank

MY21 MY20

51 51 52 49 53 53 54 57 55 50 56 55 57 54 58 56 59 86 60 58 61 63 62 59 63 68 64 61 65 72 66 64 67 67 68 60 69 62 70 69 71 78 72 70 73 66 74 75 75 73 76 71 77 77 78 76 79 74 80 80 81 90 82 82 83 83 84 109 85 -- 86 79 87 81 88 84 89 93 90 106 91 87 92 96 93 89 94 91 95 98 96 94 97 88 98 97 99 108 100 103

ISSUER

Zions Bancorporation 1st Financial Bank First Tech FCU Redstone FCU Security Service FCU First Hawaiian Bank Virginia CU Michigan State Univ. FCU Wex Silicon Valley Bank Baxter CU GECU TIB Alaska USA FCU Arvest Bank Members 1st FCU Redwood CU Nasa FCU Santander Bank Alliant CU UBS Bank USA Synovus Bank Delta Community CU Wright-Patt CU Patelco CU Logix FCU Police and Fire FCU SECU of Md. Mission FCU Hancock Whitney Bank GreenState CU Wings Financial CU Simmons Bank Comerica Bank Avant Gesa CU Municipal CU Summit CU Texas Dow Employees CU WSECU Citadel FCU University of Wisconsin CU Idaho Central CU Langley FCU AA FCU First Horizon OnPoint Community CU Affinity Plus FCU United Nations FCU Wescom CU

Outstandings

(MIL.)

$368.2 $360.5

CHANGE

8.2% -9.0%

$334.4 2.2% $327.6 14.8%

$316.6 -12.3% $304.8 0.7%

$296.1 -6.4% $284.9 -0.9%

$274.6 60.9% $261.3 -6.8%

$260.6 4.1% $249.7 -10.5%

$246.8 8.4% $245.6 -5.7%

$242.3 10.3% $239.1 -3.0%

$236.2 2.2% $236.2 -9.4%

$233.8 -9.1% $231.9 3.9%

$226.8 18.8% $225.9 2.0%

$225.8 -3.7% $219.3 2.7%

$218.1 0.6% $215.7 -2.3%

$210.7 4.2% $190.2 -7.2%

$186.4 -12.9% $180.2 -1.8%

$179.3 15.9% $175.5 -1.9%

$174.3 -1.9% $173.0 40.1%

$173.0 117.0% $172.4 -7.9%

$171.4 -5.0% $165.3 -4.1%

$162.4 8.3% $162.3 22.9%

$161.5 -2.4% $159.1 7.7%

$153.5 -1.4% $153.4 -0.8%

$147.2 1.5% $145.4 -2.0%

$144.2 -10.4% $141.7 -3.6%

$136.4 4.6% $130.2 -8.0%

Cards

(000) CHANGE

426 -10.8% 225 -3.3% 165 5.7% 303 34.9% 164 0.3% 164 -4.0% 107 1.9% 149 4.8% 4,414 29.8% 59 1.7% 172 14.0% 113 -2.1% 357 -2.7% 114 2.8% 286 6.3% 169 4.3% 98 12.6% 64 0.6% 241 4.5% 114 0.6% 261 15.5% 403 13.3% 102 1.8% 117 18.0% 89 3.5% 101 4.4% 196 16.0% 110 -6.7% 86 0.1% 100 1.3% 85 7.4% 102 9.2% 262 6.3% 126 -4.7% 589 157.9% 83 0.7% 114 1.6% 107 1.7% 123 1.7% 99 13.5% 68 6.3% 118 3.5% 112 3.3% 78 13.2%

81 4.7% 189 2.6% 134 5.9% 77 -2.1% 77 3.8% 110 5.3%

As of June 30, 2021 vs. June 30, 2020. Includes consumer, business and commercial cards, including virtual and one-time-use cards.

? 2021 Nilson Report

NILSON REPORT 13

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