The forecast for the number of cards with a credit function in the US shows a very gradual increase from 1.0851 billion units in 2024 to 1.0857 billion units in 2028. Compared to 2023, which stood at 1.085 billion units, the year-on-year growth is extremely marginal, hovering around 0.01% to 0.02% annually, indicating a highly saturated market. The Compound Annual Growth Rate (CAGR) over the next five years is almost negligible, reflecting steady but minimal expansion.

Future trends to watch for:

Adoption of digital and virtual credit cards.
Impact of regulatory changes on credit card issuance.
Consumer shift towards alternative payment solutions such as Buy Now, Pay Later (BNPL) services.
Integration of advanced AI and machine learning algorithms for enhanced security and personalized rewards.