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10 US Cities With the Most Credit Card Debt

The Federal Reserve recently reported that credit card debt or revolving debt accounted for $1.02 trillion in November 2017, that amount is the highest level on record without adjusting for inflation dating back to December 2008. The Fed also reported that consumer borrowing grew 8.8%, the biggest gain in more than two years as Americans charged close to $28 billion in credit card, student, auto and other debt.

Credit card debt alone jumped $11.2 billion, the most in a year, bringing the total outstanding consumer debt total to $3.83 trillion.

That consumer confidence carried over into the holidays as U.S. retailers saw spending increase 4.9% in 2017 versus 2016 marking the biggest annual gain since 2011, according to MasterCard SpendingPulse data.

In a November survey of 1000 adults conducted by Experian, consumers said they planned on spending an average of $740 to pay for Holiday gift giving, up slightly from $734 in 2016. Another facilitator of this growth spurt came from online spending, which increased 18.1% this year according to the MasterCard data.

The Top Cities With the Most Credit Card Debt in 2017

When it comes to the cities with the most credit card debt, Alaska is also home to the top three cities—Fairbanks, Anchorage and Juneau. Texas has five of the top ten cities—Austin, Dallas/Fort Worth, Houston and San Antonio—with Washington, D.C., and Norfolk coming in at 4th and 5th respectively to round out the top ten.

Average Credit Card Balances by City
Rank City Average Balance on Credit Card
1 Fairbanks, AK $8,573
2 Anchorage, AK $8,562
3 Juneau, AK $8,277
4 Washington, DC (Hagerstown, MD) $7,442
5 Norfolk-Portsmouth-Newport News, VA $7,359
6 Austin, TX $7,292
7 Dallas-Ft. Worth, TX $7,171
8 New York, NY $7,145
9 Houston, TX $7,121
10 San Antonio, TX $7,070
11 Baltimore, MD $6,985
12 Honolulu, HI $6,980
13 Atlanta, GA $6,907
14 San Diego, CA $6,848
15 Charlottesville, VA $6,838
16 Jacksonville, FL $6,781
17 West Palm Beach-Ft. Pierce, FL $6,760
18 Corpus Christi, TX $6,754
19 Seattle-Tacoma, WA $6,729
20 Denver, CO $6,720
21 Philadelphia, PA $6,693
22 Charleston, SC $6,674
23 Hartford-New Haven, CT $6,663
24 Chicago, IL $6,649
25 Los Angeles, CA $6,632
26 Miami-Ft. Lauderdale, FL $6,615
27 Lubbock, TX $6,590
28 Richmond-Petersburg, VA $6,571
29 San Francisco-Oakland-San Jose, CA $6,533
30 New Orleans, LA $6,510
31 Colorado Springs-Pueblo, CO $6,503
32 Savannah, GA $6,476
33 Reno, NV $6,468
34 Boston, MA-Manchester, NH $6,455
35 Santa Barbara-Santa Maria-San Luis Obispo, CA $6,436
36 Tulsa, OK $6,432
37 Waco-Temple-Bryan, TX $6,432
38 Phoenix, AZ $6,422
39 Wichita Falls, TX-Lawton, OK $6,386
40 Columbus, GA $6,379
41 Panama City, FL $6,372
42 Kansas City, KS $6,368
43 Albuquerque-Santa Fe, NM $6,366
44 Palm Springs, CA $6,323
45 Mobile, AL-Pensacola (Fort Walton Beach), FL $6,303
46 Charlotte, NC $6,296
47 Tucson, AZ (Sierra Vista) $6,293
48 Victoria, TX $6,279
49 Las Vegas, NV $6,276
50 Oklahoma City, OK $6,267
51 Columbia, SC $6,262
52 Providence-New Bedford, RI $6,255
53 Raleigh-Durham, NC (Fayetteville) $6,251
54 Albany-Schenectady-Troy, NY $6,233
55 Tampa-St. Petersburg, FL (Sarasota) $6,204
56 St. Louis, MO $6,203
57 Augusta, GA $6,200
58 Tallahassee-Thomasville, FL $6,192
59 Odessa-Midland, TX $6,17
60 Wilmington, DE $6,177
61 Bend, OR $6,152
62 Spokane, DE $6,148
63 Greenville-N.Bern-Washington NC $6,142
64 Butte-Bozeman, MT $6,142
65 Ft. Myers-Naples, FL $6,140
66 Cincinnati, OH $6,135
67 Yakima-Pasco-Richland-Kennewick, WA $6,131
68 Portland, OR $6,120
69 Sacramento-Stockton-Modesto, CA $6,111
70 Nashville, TN $6,087
71 Columbus, OH $6,084
72 El Paso, TX $6,078
73 Helena, MT $6,068
74 Salisbury, MD $6,055
75 Minneapolis-St. Paul, MN $6,036
76 Dothan, AL $6,027
77 Cheyenne-Scottsbluff, WY $6,027
78 Gainesville, FL $6,015
79 Birmingham-Tuscaloosa, AL $6,013
80 Amarillo, TX $5,995
81 Pittsburgh, PA $5,995
82 Memphis, TN $5,992
83 Omaha, NE $5,991
84 Orlando-Daytona Beach-Melbourne, FL $5,984
85 Abilene-Sweetwater, TX $5,967
86 Monterey-Salinas, CA $5,964
87 Montgomery, AL (Selma) $5,960
88 Salt Lake City, UT $5,953
89 Idaho Falls-Pocatello, ID $5,921
90 San Angelo, TX $5,921
91 Cleveland-Akron, OH (Canton) $5,917
92 Tyler-Longview-Lufkin-Nacogdoches, OH $5,910
93 Portland-Auburn, OR $5,901
94 Chico-Redding, CA $5,897
95 Missoula, MT $5,891
96 Baton Rouge, LA $5,889
97 Detroit, MI $5,889
98 Huntsville-Decatur-Florence, AL $5,886
99 Burlington, VT-Plattsburgh, NY $5,881
100 Shreveport, LA $5,862
101 Rapid City, SD $5,860
102 Macon, GA $5,858
103 Biloxi-Gulfport, MI $5,852
104 Beaumont-Port Arthur, TX $5,848
105 Little Rock-Pine Bluff, AR $5,848
106 Riverside-San Bernardino, CA $5,829
107 Sherman-Ada, OK $5,823
108 Wilkes Barre-Scranton, PA $5,822
109 Harrisburg-Lancaster-Lebanon-York, PA $5,815
110 Milwaukee, WI $5,798
111 Indianapolis, ID $5,783
112 Lafayette, LA $5,779
113 Rochester, NY $5,775
114 Billings, MT $5,765
115 Boise, ID $5,754
116 Buffalo, NY $5,750
117 Grand Junction-Montrose, CO $5,746
118 Twin Falls, ID $5,742
119 Greensboro-High Point-Winston Salem, NC $5,742
120 Casper-Riverton, WY $5,731
121 Syracuse, NY $5,728
122 Knoxville, TN $5,725
123 Medford-Klamath Falls, OR $5,691
124 Chattanooga, TN $5,688
125 Great Falls, MT $5,686
126 Zanesville, OH $5,681
127 Florence-Myrtle Beach, SC $5,677
128 Springfield-Holyoke, MA $5,674
129 Lansing, MI $5,651
130 Greenville-Spartanburg, Sc-Asheville, NC $5,647
131 Roanoke-Lynchburg, VA $5,635
132 Dayton, OH $5,629
133 Louisville, KY $5,628
134 Ft. Smith-Fayetteville-Springdale-Rogers, AR $5,605
135 Topeka, KS $5,598
136 Wichita-Hutchinson, KS $5,593
137 Fargo-Valley City, ND $5,584
138 Jackson, MS $5,582
139 Albany, GA $5,564
140 Rockford, IL $5,557
141 Bangor, ME $5,554
142 Peoria-Bloomington, IL $5,536
143 Lexington, KY $5,530
144 Lake Charles, LA $5,523
145 Eugene, OR $5,523
146 Harlingen-Weslaco-Brownsville-Mcallen, TX $5,522
147 Sioux Falls, SD (Mitchell) $5,512
148 Alexandria, LA $5,507
149 Clarksburg-Weston, WV $5,507
150 Utica, NY $5,504
151 Duluth, MN-Superior, WI $5,492
152 Champaign-Springfield-Decatur, IL $5,489
153 Springfield, MO $5,482
154 Youngstown, OH $5,480
155 Tri-Cities, TN-VA $5,446
156 Bakersfield, CA $5,434
157 South Bend-Elkhart, OR $5,415
158 Watertown, NY $5,402
159 Des Moines-Ames, IA $5,393
160 Minot-Bismarck-Dickinson, ND $5,391
161 Binghamton, NY $5,386
162 Laredo, TX $5,382
163 Joplin, MO-Pittsburg, KS $5,378
164 Toledo, OH $5,374
165 Traverse City-Cadillac, MI $5,359
166 Eureka, CA $5,359
167 Jonesboro, AR $5,333
168 Fresno-Visalia, CA $5,331
169 Charleston-Huntington, WV $5,307
170 Wheeling-Steubenville, WV $5,305
171 Grand Rapids-Kalamazoo-Battle Creek, MI $5,304
172 North Platte, MI $5,298
173 Monroe-El Dorado, AR $5,291
174 Johnstown-Altoona, PA $5,288
175 Paducah-Cape Girardeau-Harrisburg-Mt Vernon, KY $5,279
176 Erie, PA $5,276
177 Columbia-Jefferson City, MO $5,257
178 Davenport, IA-Rock Island-Moline, IL $5,216
179 Bluefield-Beckley-Oak Hill, WV $5,206
180 Ft. Wayne, IN $5,205
181 Bowling Green, KY $5,200
182 Harrisonburg, VA $5,183
183 Hattiesburg-Laurel, MS $5,171
184 Glendive, MT $5,147
185 Flint-Saginaw-Bay City, MI $5,137
186 Madison, WI $5,137
187 St. Joseph, MO $5,087
188 Marquette, MI $5,071
189 Lincoln-Hastings-Kearney, NE $5,061
190 Rochester, MN-Mason City, IA-Austin, MN $5,055
191 Yuma, AZ-El Centro, CA $5,049
192 Terre Haute, IN $5,038
193 Parkersburg, WV $5,035
194 Green Bay-Appleton, WI $5,016
195 Lafayette, IN $5,007
196 Elmira, NY $4,991
197 Meridian, MS $4,969
198 Lima, OH $4,969
199 Columbus-Tupelo-West Point, OH $4,966
200 La Crosse-Eau Claire, WI $4,956
201 Presque Isle, ME $4,954
202 Sioux City, IA $4,947
203 Evansville, IN $4,940
204 Cedar Rapids-Waterloo-Iowa City-Dubuque, IA $4,938
205 Quincy, IL-Hannibal, MO-Keokuk, IA $4,883
206 Jackson, TN $4,838
207 Ottumwa, IA-Kirksville, MO $4,819
208 Mankato, MN $4,723
209 Wausau-Rhinelander, WI $4,721
210 Greenwood-Greenville, MS $4,646
211 Alpena, MI $4,376

The Top States With the Most Credit Card Debt in 2017

Alaska had the largest average credit card balance in 2017 among all states of $8,515 based on the 2017 Experian State of Credit data. Connecticut ranked 2nd with an average credit card balance of $7,258 followed by Virginia with an average credit card balance of $7,161. New Jersey ranked 4th with an average credit card balance of $7,151 with Maryland rounding out the top 5 with a balance of $7,043.

The Top States With the Largest Credit Card Balance Increase

Alaska also ranked 1st in the largest year-over-year increase towards the average credit card balances growing by $402. North Dakota ranked 2nd with a $364 increase to its average credit card balance, followed Hawaii ranking 3rd with a $308 increase. Texas ranked 4th with $278 added and Wyoming ranked 5th adding $231.

More Important Credit Card Data

The bulk of the credit card debt in America is concentrated among the most populated areas of the country. Looking at the most populated cities you can see that:

  • The top 10 most populated cities accounted for 7% of all credit card debt with an average balance of $7,545.
  • The top 20 most populated cities accounted for 12% of all credit card debt with an average balance of $7,191.
  • The top 30 most populated cities accounted for 18% of all credit card debt with an average balance of $6,898.

Looking at the least populated cities you can see that:

  • The top 10 least populated cities accounted for 5% of all credit card debt with an average balance of $5,936.
  • The top 20 least populated cities accounted for 10% of all credit card debt with an average balance of $5,711.
  • The top 30 least populated cities accounted for 14% of all credit card debt with an average balance of $5,626.

Do You Need Help Paying off Credit Card Debt?

A growing number of Americans struggle to pay off their credit card debt and fall behind on payments. If you need help to pay off credit card debt or are just trying to find the right debt management plan that works, start by educating yourself on the various strategies and options available. Knowing how much you owe and how many accounts you owe on is a good place to begin to get your credit card debt down.


Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication.