Money Matters - States with the Most Credit Cards

 With many individuals weighing the option of opening a new credit card to increase their spending power this holiday season, the personal-finance company WalletHub has released its latest report on the States With the Most Credit Cards, highlighting areas where people may be more vulnerable to overspending or missing payments.

 

Most Credit Cards	Fewest Credit Cards
1. New Hampshire	41. New Mexico
2. Mississippi	42. Alaska
3. Connecticut	43. Illinois
4. North Carolina	44. Oregon
5. Wyoming	45. Montana
6. New Jersey	46. Colorado
7. Rhode Island	47. West Virginia
8. Texas	48. North Dakota
9. Maryland	49. Iowa
10. Arkansas	50. Maine

 
For the full report and to see where your state ranks, please visit:
https://wallethub.com/edu/states-with-the-most-credit-cards/131548/

 

“Having multiple credit cards in your wallet can be good for your credit score as long as you spend responsibly, keep your credit utilization low and always pay on time. For example, you can use different credit cards for different purposes, such as separating charges you want to finance from everyday purchases. But if you regularly miss payments or spend beyond your means, you may have too many credit cards.”
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“New Hampshire ranks first in our study, and its residents opened an average of 1.4 cards during Q3 2025, more than people in any other state. New Hampshirites also opened 16.9% more new credit cards in Q3 2025 than they did in Q3 2024. In comparison, residents in only three states saw a year-over-year decrease. In addition, the average New Hampshirite owns 5.6 credit cards.”

- Chip Lupo, WalletHub Analyst                            


More From WalletHub

• Credit Card Statistics by State
• States With the Largest and Smallest Credit Card Debt Increases
• States Where it Will Take the Longest to Pay Off Credit Card Debt
• States Where People Are the Most Delinquent on Debt
• Number of Credit Cards and Credit Card Holders