A data-driven look at how much Americans charge, borrow, and repay on Bank of America cards — straight from the bank's own filings.
Bank of America is one of the largest consumer credit card issuers in the United States. According to the company’s 2025 Annual Report, customers made $377.8 billion in purchases using Bank of America consumer credit cards during 2025. Customers also made $594.6 billion in purchases using Bank of America debit cards. The figures in this article are drawn from Bank of America’s public financial filings and earnings reports.
Bank of America’s quarterly consumer credit and debit card purchase volume increased during 2025. Total consumer credit and debit card purchase volume reached $254.7 billion in the fourth quarter of 2025, compared with $240.9 billion in the fourth quarter of 2024. The chart below summarizes quarterly consumer card spending reported in the company’s earnings materials.
A few figures from the bank's 2025 Annual Report capture the shape of the business — how much is being spent, how many new accounts are opening, and how the lending economics are trending:
Two patterns stand out. First, purchase volume rose while new-account growth cooled, indicating stronger purchase activity even as fewer new credit card accounts were opened than in 2024. Second, the risk-adjusted margin improved even as the headline interest yield eased. Together, these figures provide additional context about the scale and recent performance of Bank of America's consumer credit card business.
“Bank of America reported $377.8 billion in consumer credit card purchase volume during 2025, according to its 2025 Annual Report.”
None of these figures describe the terms of any individual credit card, which vary by product and may change over time. Instead, they provide context about the size and activity of Bank of America's consumer credit card business using Bank of America’s public financial reporting.
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Sources
Bank of America, 2025 Annual Report (Form 10-K), “Key Statistics” — purchase volumes, new accounts, gross interest yield, risk-adjusted margin. U.S. Securities and Exchange Commission (SEC.gov).
Bank of America, Fourth-Quarter 2025 earnings materials (Consumer Banking supplement) — quarterly total credit/debit spend and average credit card balances. Bank of America Investor Relations.
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