Issue 1213 | Feb 2022
General Purpose Cards—U.S. 2021
Mastercard and Visa in the U.S.—2021
Amex Offers Design Options to Platinum Cardholders
Payment Industry Investments—2021, Illustrated
Santander’s Buy Now, Pay Later Platform
U.S. General Purpose Brands—Purchase Volume
U.S. General Purpose Cards—2021 with change vs. 2020
Market Shares of Purchase Volume on General Purpose Cards in the U.S.—2021
U.S. Credit Card Outstandings
General Purpose Credit Cards in the U.S.—2021 with change vs. 2020
Purchase Volume on Mastercard and Visa Credit and Debit Cards in the U.S.
Mastercard and Visa Cards in Circulation in the U.S.—2011 through 2021
Mastercard and Visa Credit, Debit & Prepaid Cards in the U.S.
Mastercard and Visa Debit and Prepaid Cards in the U.S.
Payment Industry Investments—2021
Investments & Acquisitions—January 2022
U.S. Credit Card Outstandings
Featured in our current issue are U.S. credit card receivables for the four global brand card networks—Visa, Mastercard, American Express and Discover—at year-end 2021. Their combined total was $932.85 billion.
Visa, $445.22 billion, 47.73% market share
+6.5% vs. 2020
Mastercard, $291.81 billion, 31.28% market share
+6.2% vs. 2020
American Express, $121.44 billion, 13.02% market share
+19.1% vs. 2020
Discover, $74.37 billion, 7.97% market share
+4.1% vs. 2020
Full access to the U.S. Credit Card Outstandings results is available when you subscribe to the Nilson Report.
POSTED FEB 15, 2022 | PRINT
Santander’s Buy Now, Pay Later Platform

Santander Consumer Finance, a business of Spain-based Banco Santander, Europe’s fourth largest bank, has 19 million customers and operates through 63,000 merchants.
Consumer Finance, not the bank’s credit card unit, operates the Zinia buy now, pay later (BNPL) platform, which opened for business in Germany a year ago. Zinia offers installment credit for online and in-store purchases.
Santander Consumer Finance will expand Zinia to the other 15 countries in Europe in which it operates this year beginning with the Netherlands.
Zinia’s BNPL platform utilizes machine learning-based, real-time credit risk assessment technology developed by Santander’s Openbank subsidiary. Digital-only Openbank has 1.7 million customers in five countries in Europe and the Americas.
INTERVIEWED FOR THIS ARTICLE
Ramon Guillermo Javier Billordo is Head of Consumer Finance Business at Santander Consumer Finance in Madrid, Spain, ramon.billordo@gruposantander.com, www.santander.com.
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