Triennial debit card penetration in the U.S. 2011-2024, by demographic

According to a three-year survey, more than eight out of 10 respondents from the United States owned a debit card in 2021 although only 70 percent actually used one. The difference between ownership and usage was roughly 13 percentage points in 2021, a slight decrease from a difference of 13 percentage points in 2017. The report adds that women were much more likely than men to own such a payment card. Gen Z - or the age group 15 to 24 years in this survey - was less likely to own a debit card than their older counterparts although their ownership of debit cards was much higher when compared to Gen Z credit card ownership.

根据一项为期三年的调查，在2021年，美国受访者中有超过八成的人拥有借记卡，尽管实际上只有70%的人使用过。在所有权与使用率之间的差异在2021年约为13个百分点，这一差异与2017年的13个百分点相比略有下降。报告还指出，相较于男性，女性拥有此类支付卡的可能性要大得多。对于Z世代——在本调查中指15至24岁的年龄群体——相较于年龄较大的群体，他们拥有借记卡的可能性较低，尽管与Z世代持有信用卡的比例相比，他们拥有借记卡的比例要高得多。