{"id":361412,"date":"2026-09-30T13:58:29","date_gmt":"2026-09-30T17:58:29","guid":{"rendered":"https:\/\/alpha.pewresearch.org\/pewresearch-org\/?post_type=chart&#038;p=361412"},"modified":"2026-09-30T15:46:04","modified_gmt":"2026-09-30T19:46:04","slug":"majorities-of-americans-prefer-to-pay-for-in-person-and-online-purchases-with-credit-or-debit-cards-but-theyre-more-divided-on-bill-payments","status":"publish","type":"chart","link":"https:\/\/alpha.pewresearch.org\/pewresearch-org\/chart\/majorities-of-americans-prefer-to-pay-for-in-person-and-online-purchases-with-credit-or-debit-cards-but-theyre-more-divided-on-bill-payments\/","title":{"rendered":"Majorities of Americans prefer to pay for in-person and online purchases with credit or debit cards, but they\u2019re more divided on bill payments"},"content":{"rendered":"<figure class=\"wp-chart-builder\">\t\t<div style=\"max-width:420px\" class=\"wp-chart-builder-wrapper alignnone wp-block-prc-chart-builder-controller--freeform wp-block-prc-chart-builder-controller\" id=\"8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c\" data-wp-interactive=\"prc-chart-builder\/controller\" data-wp-context=\"{&quot;id&quot;:&quot;8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c&quot;,&quot;postId&quot;:361412,&quot;postUrl&quot;:&quot;https:\\\/\\\/alpha.pewresearch.org\\\/pewresearch-org\\\/chart\\\/majorities-of-americans-prefer-to-pay-for-in-person-and-online-purchases-with-credit-or-debit-cards-but-theyre-more-divided-on-bill-payments\\\/&quot;,&quot;chartPostUrl&quot;:&quot;https:\\\/\\\/alpha.pewresearch.org\\\/pewresearch-org\\\/chart\\\/majorities-of-americans-prefer-to-pay-for-in-person-and-online-purchases-with-credit-or-debit-cards-but-theyre-more-divided-on-bill-payments\\\/&quot;,&quot;postPubDate&quot;:&quot;2026-09-30&quot;,&quot;rootUrl&quot;:&quot;https:\\\/\\\/alpha.pewresearch.org\\\/pewresearch-org&quot;,&quot;featuredImageId&quot;:617718,&quot;featuredImageUrl&quot;:&quot;https:\\\/\\\/alpha.pewresearch.org\\\/pewresearch-org\\\/wp-content\\\/uploads\\\/sites\\\/20\\\/2026\\\/09\\\/majorities_of_americans_prefer_to_make_in-person_and_online_purchases_with_credit_or_debit_cards_but_theyre_more_divided_on_bill_payments-361412-1790797624.png&quot;,&quot;title&quot;:&quot;Majorities of Americans prefer to make in-person and online purchases with credit or debit cards, but they\\u2019re more divided on bill payments&quot;,&quot;subtitle&quot;:&quot;% of Americans who prefer to make each type of payment with \\u2026&quot;,&quot;note&quot;:&quot;Note: \\u201cOnline banking or direct transfers\\u201d includes payments using a bank account number, online banking bill payments and account-to-account transfers. \\&quot;Other\\&quot; includes money orders, prepaid\\\/gift\\\/EBT cards, payments made with money stored in a mobile payment app, multiple payment methods for a single payment, unreported payment methods and other responses that the Federal Reserve could not categorize. Respondents were asked about credit and debit cards separately. Credit cards include credit and charge cards.&quot;,&quot;source&quot;:&quot;Source: Federal Reserve Bank of Atlanta, 2025 Survey and Diary of Consumer Payment Choice.&quot;,&quot;tag&quot;:&quot;PEW RESEARCH CENTER&quot;,&quot;tableData&quot;:{&quot;header&quot;:[&quot;&quot;,&quot;In-person payments&quot;,&quot;Online payments&quot;,&quot;Bill payments&quot;],&quot;rows&quot;:[[&quot;Cash&quot;,&quot;16&quot;,&quot;&lt;1&quot;,&quot;5&quot;],[&quot;Check&quot;,&quot;2&quot;,&quot;&lt;1&quot;,&quot;5&quot;],[&quot;Credit or debit card&quot;,&quot;78&quot;,&quot;92&quot;,&quot;47&quot;],[&quot;Online banking or direct transfers&quot;,&quot;1&quot;,&quot;2&quot;,&quot;40&quot;],[&quot;Other&quot;,&quot;3&quot;,&quot;5&quot;,&quot;3&quot;]],&quot;footer&quot;:[]},&quot;isFreeformChart&quot;:true}\" data-wp-init---detect-web-share-support=\"callbacks.detectWebShareSupport\" data-wp-init---sync-table-height=\"callbacks.syncTableHeight\" data-wp-init---watch-chart=\"callbacks.watchChart\" data-wp-init---reset-tab-on-navigation=\"callbacks.resetTabOnNavigation\" data-png-url=\"https:\/\/alpha.pewresearch.org\/pewresearch-org\/wp-content\/uploads\/sites\/20\/2026\/09\/majorities_of_americans_prefer_to_make_in-person_and_online_purchases_with_credit_or_debit_cards_but_theyre_more_divided_on_bill_payments-361412-1790797624.png\" data-has-csv=\"true\" data-allow-data-download=\"true\" data-post-url=\"https:\/\/alpha.pewresearch.org\/pewresearch-org\/chart\/majorities-of-americans-prefer-to-pay-for-in-person-and-online-purchases-with-credit-or-debit-cards-but-theyre-more-divided-on-bill-payments\/\" data-chart-url=\"https:\/\/alpha.pewresearch.org\/pewresearch-org\/chart\/majorities-of-americans-prefer-to-pay-for-in-person-and-online-purchases-with-credit-or-debit-cards-but-theyre-more-divided-on-bill-payments\/\" data-chart-title=\"Majorities of Americans prefer to make in-person and online purchases with credit or debit cards, but they\u2019re more divided on bill payments\">\n\t\t\t<div class=\"wp-chart-builder-chart\" data-chart-view=\"chart\" data-allow-overlay=\"true\" data-wp-class--active=\"state.isActive\">\t\t\t\t<div class=\"cb__text-wrapper\" style=\"max-width:420px;width:100%;margin-left:auto;margin-right:auto;\">\n\t\t\t\t\t<hr class=\"cb__hr\" style=\"margin: 0 0 10px; max-width:420px;\" \/>\t\t\t\t\t<div data-wp-interactive=\"prc-chart-builder\/chart\" data-wp-context=\"{&quot;id&quot;:&quot;8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c-chart&quot;}\">\n\t\t\t\t\t\t<div class=\"cb__title\" data-meta-field=\"title\">Majorities of Americans prefer to make in-person and online purchases with credit or debit cards, but they\u2019re more divided on bill payments<\/div>\n\t\t\t\t\t\t<div class=\"cb__subtitle\" data-meta-field=\"subtitle\">% of Americans who prefer to make each type of payment with \u2026<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n<div class=\"wp-block-group wp-chart-builder-freeform-chart has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image size-640-wide\"><a href=\"https:\/\/alpha.pewresearch.org\/pewresearch-org\/?attachment_id=588427\"><img data-dominant-color=\"f2f3ec\" data-has-transparency=\"false\" style=\"--dominant-color: #f2f3ec;\" loading=\"lazy\" decoding=\"async\"  srcset=\"https:\/\/alpha.pewresearch.org\/pewresearch-org\/wp-content\/uploads\/sites\/20\/2026\/09\/chart-3_956ea2.png?resize=480,256 480w, https:\/\/alpha.pewresearch.org\/pewresearch-org\/wp-content\/uploads\/sites\/20\/2026\/09\/chart-3_956ea2.png?resize=782,417 782w, https:\/\/alpha.pewresearch.org\/pewresearch-org\/wp-content\/uploads\/sites\/20\/2026\/09\/chart-3_956ea2.png?resize=875,467 875w\" sizes=\"(max-width: 480px) 480px, (max-width: 782px) 782px, 640px\" height=\"342\" width=\"640\" src=\"https:\/\/alpha.pewresearch.org\/pewresearch-org\/wp-content\/uploads\/sites\/20\/2026\/09\/chart-3_956ea2.png?w=640\" alt=\"\" class=\"wp-image-588427 not-transparent\"\/><\/a><\/figure>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t<div data-wp-interactive=\"prc-chart-builder\/chart\" data-wp-context=\"{&quot;id&quot;:&quot;8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c-chart&quot;}\">\n\t\t\t\t\t\t<div class=\"cb__note cb__note--note\" data-meta-field=\"note\">Note: \u201cOnline banking or direct transfers\u201d includes payments using a bank account number, online banking bill payments and account-to-account transfers. &#8220;Other&#8221; includes money orders, prepaid\/gift\/EBT cards, payments made with money stored in a mobile payment app, multiple payment methods for a single payment, unreported payment methods and other responses that the Federal Reserve could not categorize. Respondents were asked about credit and debit cards separately. Credit cards include credit and charge cards.<\/div>\n\t\t\t\t\t\t<div class=\"cb__note cb__note--source\" data-meta-field=\"source\">Source: Federal Reserve Bank of Atlanta, 2025 Survey and Diary of Consumer Payment Choice.<\/div>\n\t\t\t\t\t\t<div class=\"cb__tag\" data-meta-field=\"tag\">PEW RESEARCH CENTER<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<hr class=\"cb__hr\" style=\"margin: 10px 0 0px; max-width:420px;\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<!-- register a callback on this div to see if the native share is supported -->\n\t\t\t<div\n\t\t\t\tclass=\"share-modal__overlay\"\n\t\t\t\tid=\"share-modal__overlay-8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c\"\n\t\t\t\tdata-wp-class--active=\"state.isActive\"\n\t\t\t\tdata-wp-class--web-share-supported=\"state.webShareSupported\"\n\t\t\t\tdata-wp-on--click=\"actions.hideModal\"\n\t\t\t\tdata-wp-on--keydown=\"actions.hideModal\"\n\t\t\t\tdata-chart-view=\"share\"\n\t\t\t><\/div>\n\t\t\t<!-- TODO: I would like to be able to use the social share block here. Need to modify it to work with the share modal. -->\n\t\t\t<div\n\t\t\t\tclass=\"share-modal\" id=\"share-modal-8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c\"\n\t\t\t\tdata-wp-class--active=\"state.isActive\"\n\t\t\t\tdata-wp-class--web-share-supported=\"state.webShareSupported\"\n\t\t\t\tdata-chart-view=\"share\"\n\t\t\t>\n\t\t\t\t<div class=\"share-modal__inner\">\n\t\t\t\t\t<div class=\"share-modal__header\">\n\t\t\t\t\t\t<h2 class=\"share-modal__title\">Share this chart<\/h2>\n\t\t\t\t\t\t<button class=\"share-modal__close\" aria-label=\"Close Share Modal\" data-wp-on--click=\"actions.hideModal\">\n\t\t\t\t\t\t\t<span class=\"dashicons dashicons-no-alt\"><\/span>\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"share-modal__body\">\n\t\t\t\t\t\t<button\n\t\t\t\t\t\t\ttype=\"button\"\n\t\t\t\t\t\t\tclass=\"share-modal__button share-modal__button--twitter\"\n\t\t\t\t\t\t\tdata-wp-on--click=\"actions.shareTwitter\"\n\t\t\t\t\t\t\tdata-wp-on--keydown=\"actions.shareTwitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<span>Share on X<\/span>\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<button\n\t\t\t\t\t\t\ttype=\"button\"\n\t\t\t\t\t\t\tclass=\"share-modal__button share-modal__button--facebook\"\n\t\t\t\t\t\t\tdata-wp-on--click=\"actions.shareFacebook\"\n\t\t\t\t\t\t\tdata-wp-on--keydown=\"actions.shareFacebook\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<span>Share on Facebook<\/span>\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div><div class=\"wp-chart-builder-table\" data-chart-view=\"table\" data-wp-class--active=\"state.isActive\" id=\"8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c-table\" style=\"max-width:420px;\">\t\t\t<hr style=\"margin: 0px 0px 10px; max-width: 420px;\">\n\t\t\t<div data-wp-interactive=\"prc-chart-builder\/chart\" data-wp-context=\"{&quot;id&quot;:&quot;8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c-chart&quot;}\">\n\t\t\t\t<div class=\"cb__title\" data-meta-field=\"title\">Majorities of Americans prefer to make in-person and online purchases with credit or debit cards, but they\u2019re more divided on bill payments<\/div>\n\t\t\t\t<div class=\"cb__subtitle\" data-meta-field=\"subtitle\">% of Americans who prefer to make each type of payment with \u2026<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"wp-chart-builder-table__inner\" style=\"max-width: 420px !important; margin-bottom: 0; overflow: auto;\">\n\t\t\t\t\n<figure class=\"wp-block-prc-block-table is-scroll-on-pc is-scroll-on-mobile chart-builder-data-table has-sans-serif-font-family has-small-font-size\"><table class=\"has-fixed-layout is-sticky-first-column\"><colgroup><col\/><col\/><col\/><col\/><\/colgroup><thead><tr><th><\/th><th>In-person payments<\/th><th>Online payments<\/th><th>Bill payments<\/th><\/tr><\/thead><tbody><tr><td data-prc-v-col=\"0\">Cash<\/td><td data-prc-v-col=\"1\">16<\/td><td data-prc-v-col=\"2\">&lt;1<\/td><td data-prc-v-col=\"3\">5<\/td><\/tr><tr><td data-prc-v-col=\"0\">Check<\/td><td data-prc-v-col=\"1\">2<\/td><td data-prc-v-col=\"2\">&lt;1<\/td><td data-prc-v-col=\"3\">5<\/td><\/tr><tr><td data-prc-v-col=\"0\">Credit or debit card<\/td><td data-prc-v-col=\"1\">78<\/td><td data-prc-v-col=\"2\">92<\/td><td data-prc-v-col=\"3\">47<\/td><\/tr><tr><td data-prc-v-col=\"0\">Online banking or direct transfers<\/td><td data-prc-v-col=\"1\">1<\/td><td data-prc-v-col=\"2\">2<\/td><td data-prc-v-col=\"3\">40<\/td><\/tr><tr><td data-prc-v-col=\"0\">Other<\/td><td data-prc-v-col=\"1\">3<\/td><td data-prc-v-col=\"2\">5<\/td><td data-prc-v-col=\"3\">3<\/td><\/tr><\/tbody><\/table><\/figure>\n\t\t\t<\/div>\n\t\t\t\t\t\t<hr class=\"cb__download-data-button-hr\">\n\t\t\t<div class=\"cb__download-data-button\">\n\t\t\t\t<a\n\t\t\t\t\tdata-wp-on--click=\"actions.downloadData\"\n\t\t\t\t\tdata-wp-on--keydown=\"actions.downloadData\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\trole=\"button\"\n\t\t\t\t\tclass=\"has-sans-serif-font-family\"\n\t\t\t\t>\n\t\t\t\t\tDownload data as .csv\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div data-wp-interactive=\"prc-chart-builder\/chart\" data-wp-context=\"{&quot;id&quot;:&quot;8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c-chart&quot;}\">\n\t\t\t\t<div class=\"cb__note cb__note--note\" data-meta-field=\"note\">Note: \u201cOnline banking or direct transfers\u201d includes payments using a bank account number, online banking bill payments and account-to-account transfers. &#8220;Other&#8221; includes money orders, prepaid\/gift\/EBT cards, payments made with money stored in a mobile payment app, multiple payment methods for a single payment, unreported payment methods and other responses that the Federal Reserve could not categorize. Respondents were asked about credit and debit cards separately. Credit cards include credit and charge cards.<\/div>\n\t\t\t\t<div class=\"cb__note cb__note--source\" data-meta-field=\"source\">Source: Federal Reserve Bank of Atlanta, 2025 Survey and Diary of Consumer Payment Choice.<\/div>\n\t\t\t\t<div class=\"cb__tag\" data-meta-field=\"tag\">PEW RESEARCH CENTER<\/div>\n\t\t\t<\/div>\n\t\t\t<hr style=\"margin: 10px 0px 0px; max-width: 420px;\">\n\t\t\t<\/div><div class=\"wp-chart-builder-view-buttons\" style=\"max-width:420px;\"><div class=\"wp-chart-builder-view-buttons__tabs\"><button class=\"view-button view-button--chart\" data-chart-view=\"chart\" data-chart-id=\"8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c\" data-wp-on--click=\"actions.setActiveTab\" data-wp-class--active=\"state.isActive\">Chart<\/button><button class=\"view-button view-button--table\" data-chart-view=\"table\" data-chart-id=\"8ea17b63-7dc3-43f0-8787-ac9ba1a6a15c\" data-wp-on--click=\"actions.setActiveTab\" data-wp-class--active=\"state.isActive\">Data<\/button><\/div><div 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