The Average Credit Card Debt in Every U.S. State

Written by Erin Kuschner on April 9, 2025 updated April 10, 2025

A woman in a yellow sweater sits at a table holding a credit card and looking worriedly at a laptop. A white mug is beside her. She appears to be having difficulty with an online transaction.

bymuratdeniz/istockphoto

Not all credit card debt is created equal. According to a 2024 Bankrate study, the burden of credit card debt varies widely from state to state. The study looked not only at average credit card debt but also how long it takes to pay off that debt, total interest expenses, and other factors.

Louisiana, Mississippi, and Oklahoma were among the top states burdened by debt, while Massachusetts, Minnesota, and New Hampshire were some of the least burdened. Want to know how your state stacks up? Here’s how each state fares when it comes to credit card debt.

Alabama

Aerial view of a cityscape during sunset, with modern skyscrapers and office buildings. The sky shows a gradient from orange to blue, and the streets below are visible with parked cars and trees. — Jacob Boomsma/istockphoto

Jacob Boomsma/istockphoto

Avg. Credit Card Balance: $5,571
Months to Pay Off: 20
Total Interest Expense: $1,014

Alaska

Aerial view of a cityscape at sunset with a downtown area featuring tall buildings. Residential areas with colorful houses are in the foreground. Snow-capped mountains and a partly cloudy sky are in the background. — Jacob Boomsma/istockphoto

Jacob Boomsma/istockphoto

Avg. Credit Card Balance: $7,316
Months to Pay Off: 19
Total Interest Expense: $1,326

Arizona

Aerial view of a cityscape with wide streets lined by various buildings. A tram line runs along the center, and mountains are visible in the distant background under a clear blue sky. — Davel5957/istockphoto

Davel5957/istockphoto

Avg. Credit Card Balance: $6,317
Months to Pay Off: 18
Total Interest Expense: $1,056

Arkansas

A large white arch bridge spans a river, leading into a cityscape with modern skyscrapers and mid-rise buildings. Green trees line the riverbanks. The sky is partly cloudy, creating a bright, bustling urban scene. — halbergman/istockphoto

halbergman/istockphoto

Avg. Credit Card Balance: $5,366
Months to Pay Off: 20
Total Interest Expense: $1,025

California

Aerial view of a city skyline with numerous skyscrapers under a partly cloudy sky. In the foreground, a large body of water with a docked military ship and marina can be seen. — Art Wager / istockphoto

Art Wager / istockphoto

Avg. Credit Card Balance: $6,576
Months to Pay Off: 14
Total Interest Expense: $858

Colorado

Aerial view of a neighborhood with tree-lined streets and houses displaying vibrant fall foliage in red, yellow, and orange. In the background, a city's skyline with modern high-rise buildings is visible under a clear blue sky. — Davel5957/istockphoto

Davel5957/istockphoto

Avg. Credit Card Balance: $6,574
Months to Pay Off: 16
Total Interest Expense: $957

Connecticut

Quaint waterfront village with white houses and colorful autumn trees reflecting in calm water. Several boats docked at the pier under a clear blue sky. — DenisTangneyJr / istockphoto

DenisTangneyJr / istockphoto

Avg. Credit Card Balance: $6,615
Months to Pay Off: 15
Total Interest Expense: $893

Delaware

A street intersection with red-brick buildings featuring ornate designs and colorful accents. The street is lined with trees and parked cars. Traffic lights hang above the intersection, and a blue sky with clouds forms the backdrop. — Dmitry Vinogradov/istockphoto

Dmitry Vinogradov/istockphoto

Avg. Credit Card Balance: $6,314
Months to Pay Off: 17
Total Interest Expense: $1,008

Florida

Aerial view of a vibrant cityscape with numerous skyscrapers along a coastline, surrounded by turquoise water. Boats are visible in the water, and a bright blue sky with scattered clouds enhances the scene. — Art Wager / istockphoto

Art Wager / istockphoto

Avg. Credit Card Balance: $6,550
Months to Pay Off: 19
Total Interest Expense: $1,168

Georgia

A panoramic view of a city skyline with tall skyscrapers under a bright blue sky filled with fluffy white clouds. A highway with cars runs through the foreground, surrounded by green trees and urban buildings. — Sean Davis / istockphoto

Sean Davis / istockphoto

Avg. Credit Card Balance: $6,580
Months to Pay Off: 19
Total Interest Expense: $1,173

Hawaii

Scenic view of a beach at dusk with gentle waves and people in the water. The shoreline is lined with tall buildings and palm trees, while the sky transitions from warm sunset hues to deep blue. Soft reflections of city lights shimmer on the water. — marchello74/istockphoto

marchello74/istockphoto

Avg. Credit Card Balance: $6,695
Months to Pay Off: 16
Total Interest Expense: $977

Idaho

A cityscape featuring a busy street lined with cars and trees with autumn foliage. In the background, various buildings and skyscrapers stand against a backdrop of snow-capped mountains under a cloudy sky. — 4kodiak/istockphoto

4kodiak/istockphoto

Avg. Credit Card Balance: $5,753
Months to Pay Off: 17
Total Interest Expense: $934

Illinois

Aerial view of a suburban neighborhood with houses having light-colored roofs and neatly manicured lawns. The streets are lined with mature trees, and several cars are parked along the roads. The area looks green and well-maintained. — halbergman / istockphoto

halbergman / istockphoto

Avg. Credit Card Balance: $6,070
Months to Pay Off: 16
Total Interest Expense: $912

Indiana

Aerial view of a cityscape featuring a downtown skyline with tall buildings. A river with fountains and a curved bridge runs through a park with trees and pathways, surrounded by residential and commercial buildings under a blue sky. — Nicholas Klein/istockphoto

Nicholas Klein/istockphoto

Avg. Credit Card Balance: $5,264
Months to Pay Off: 17
Total Interest Expense: $830

Iowa

A winding rural road leads through a lush green landscape toward a farm with red barns and scattered buildings under a bright blue sky filled with fluffy clouds. Rolling hills and fields stretch into the distance. — Willard / istockphoto

Willard / istockphoto

Avg. Credit Card Balance: $5,063
Months to Pay Off: 16
Total Interest Expense: $728

Kansas

Aerial view of a suburban neighborhood with tree-lined streets and a grid layout. Houses are surrounded by lawns, and there are a few cars on the roads. Farmland and silos are visible in the background under a clear sky. — Alex Potemkin / istockphoto

Alex Potemkin / istockphoto

Avg. Credit Card Balance: $5,575
Months to Pay Off: 17
Total Interest Expense: $889

Kentucky

littleny/istockphoto

littleny/istockphoto

Avg. Credit Card Balance: $5,098
Months to Pay Off: 18
Total Interest Expense: $842

Louisiana

A vibrant street scene in New Orleans' French Quarter at dusk. Colorful buildings and neon signs line the street. People walk along the bustling street, with flags and lights overhead. A blue sky with clouds is visible in the background. — travelview/istockphoto

travelview/istockphoto

Avg. Credit Card Balance: $5,796
Months to Pay Off: 22
Total Interest Expense: $1,171

Maine

Scenic view of a coastal village with colorful autumn trees in the background. Charming houses and buildings line the shore, reflected in the calm water. The sky is overcast, adding a serene atmosphere to the picturesque landscape. — DenisTangneyJr/istockphoto

DenisTangneyJr/istockphoto

Avg. Credit Card Balance: $5,420
Months to Pay Off: 17
Total Interest Expense: $831

Maryland

Aerial view of an urban harbor at sunset. Skyscrapers and buildings surround the calm water, reflecting vibrant orange and pink skies. Boats are docked at piers, and a small park with pathways is visible in the foreground. — Kruck20/istockphoto

Kruck20/istockphoto

Avg. Credit Card Balance: $6,787
Months to Pay Off: 15
Total Interest Expense: $963

Massachusetts

City skyline at sunset with buildings reflecting on a calm river. The scene includes a prominent glass skyscraper and a dome-shaped structure, set against a clear sky with a horizon of trees and distant buildings. — Sanghwan Kim / istockphoto

Sanghwan Kim / istockphoto

Avg. Credit Card Balance: $6,077
Months to Pay Off: 13
Total Interest Expense: $714

Michigan

Aerial view of a suburban neighborhood with numerous houses surrounded by trees. Streets wind through the area, and the leaves on the trees are a mixture of green and autumn colors, indicating a transition into fall. — halbergman / istockphoto

halbergman / istockphoto

Avg. Credit Card Balance: $5,503
Months to Pay Off: 17
Total Interest Expense: $878

Minnesota

A city skyline at dusk, featuring illuminated skyscrapers and a stone arch bridge. The bridge is glowing with orange lights, and the calm water below reflects the vibrant colors of the sunset and city lights. — Sean Pavone/istockphoto

Sean Pavone/istockphoto

Avg. Credit Card Balance: $5,551
Months to Pay Off: 14
Total Interest Expense: $734

Mississippi

Aerial view of a cityscape featuring a prominent building with a large dome, surrounded by trees and other buildings. Streets intersect amidst greenery and structures with a backdrop of a sprawling city under a clear blue sky. — MattGush/istockphoto

MattGush/istockphoto

Avg. Credit Card Balance: $5,332
Months to Pay Off: 22
Total Interest Expense: $1,080

Missouri

Aerial view of downtown St. Louis with the Gateway Arch in the foreground, surrounded by modern skyscrapers and autumn-colored trees. The Mississippi River flows beside the city under a partly cloudy sky. — Art Wager/istockphoto

Art Wager/istockphoto

Avg. Credit Card Balance: $5,539
Months to Pay Off: 18
Total Interest Expense: $929

Montana

A panoramic view of a city at dusk with various buildings and a lush landscape. In the background, a range of rolling hills is visible beneath a softly colored sky. — peeterv/istockphoto

peeterv/istockphoto

Avg. Credit Card Balance: $5,728
Months to Pay Off: 18
Total Interest Expense: $968

Nebraska

Panoramic view of a city skyline at dusk, with tall buildings illuminated. The sky displays vibrant hues of pink, orange, and blue. Lush greenery and parking areas are visible in the foreground. — Sean Pavone/istockphoto

Sean Pavone/istockphoto

Avg. Credit Card Balance: $5,370
Months to Pay Off: 16
Total Interest Expense: $806

Nevada

Aerial view of Las Vegas Strip at sunset. The Eiffel Tower replica is visible, surrounded by hotels and bright lights. The Bellagio Fountains are in action, with water jets illuminated. Ferris wheel can be seen in the background. Busy streets and cars. — f11photo/istockphoto

f11photo/istockphoto

Avg. Credit Card Balance: $6,710
Months to Pay Off: 20
Total Interest Expense: $1,245

New Hampshire

Aerial view of a suburban neighborhood in autumn. Houses are surrounded by vibrant fall foliage in shades of red, orange, and yellow. In the background, a city skyline with several tall buildings is visible under a clear blue sky. — DenisTangneyJr / istockphoto

DenisTangneyJr / istockphoto

Avg. Credit Card Balance: $5,953
Months to Pay Off: 14
Total Interest Expense: $773

New Jersey

Cityscape with a group of diverse, high-rise buildings under a partly cloudy blue sky. The scene features architectural styles from different eras. In the foreground, there are traffic lights, trees, and a street with a few pedestrians. — Leonid Andronov/istockphoto

Leonid Andronov/istockphoto

Avg. Credit Card Balance: $6,695
Months to Pay Off: 14
Total Interest Expense: $872

New Mexico

A scenic view of Santa Fe, New Mexico at sunset. Adobe-style buildings are surrounded by lush greenery, with a state capitol and flag in the distance. The sky is a gradient of warm oranges and yellows, casting a soft glow over the cityscape. — Sean Pavone/istockphoto

Sean Pavone/istockphoto

Avg. Credit Card Balance: $5,586
Months to Pay Off: 20
Total Interest Expense: $1,031

New York

Aerial view of Lower Manhattan, New York City, during sunset. Skyscrapers are densely packed, surrounded by the Hudson and East Rivers. The One World Trade Center stands prominently. Sunlight casts a warm glow over the buildings and cityscape. — Art Wager / istockphoto

Art Wager / istockphoto

Avg. Credit Card Balance: $6,313
Months to Pay Off: 15
Total Interest Expense: $879

North Carolina

A city skyline at dusk with tall buildings illuminated. In the foreground, light trails from vehicles create dynamic lines along a highway flanked by trees. A green highway sign is visible on the right. The sky is a soft blue. — traveler1116/istockphoto

traveler1116/istockphoto

Avg. Credit Card Balance: $5,853
Months to Pay Off: 18
Total Interest Expense: $973

North Dakota

Aerial view of a college campus with multiple red-roofed buildings, tree-lined streets, and green spaces. A roundabout is visible in the center with a decorative fountain. The sky is clear and the surrounding area is expansive. — Wirestock/istockphoto

Wirestock/istockphoto

Avg. Credit Card Balance: $5,618
Months to Pay Off: 16
Total Interest Expense: $855

Ohio

Aerial view of a city skyline at sunset, featuring a suspension bridge crossing a river in the foreground. The river reflects the warm hues of the sky. Skyscrapers and urban buildings are silhouetted against a clear blue sky. — Jeremy Poland/istockphoto

Jeremy Poland/istockphoto

Avg. Credit Card Balance: $5,405
Months to Pay Off: 17
Total Interest Expense: $865

Oklahoma

Davel5957/istockphoto

Davel5957/istockphoto

Avg. Credit Card Balance: $5,862
Months to Pay Off: 21
Total Interest Expense: $1,138

Oregon

Aerial view of a cityscape at dusk with a river in the foreground. Buildings are illuminated, reflecting on the water. A bridge with lights crosses the river, and hills are visible in the background under a cloudy sky. — Jacob Boomsma/istockphoto

Jacob Boomsma/istockphoto

Avg. Credit Card Balance: $5,929
Months to Pay Off: 16
Total Interest Expense: $904

Pennsylvania

A view of a city street lined with autumn trees and illuminated by streetlights, leading to a tall, ornate building with a clock tower. In the foreground stands a statue of a person on horseback, among other smaller statues. — Sean Pavone / istockphoto

Sean Pavone / istockphoto

Avg. Credit Card Balance: $5,709
Months to Pay Off: 16
Total Interest Expense: $862

Rhode Island

DenisTangneyJr / istockphoto

DenisTangneyJr / istockphoto

Avg. Credit Card Balance: $6,021
Months to Pay Off: 16
Total Interest Expense: $886

South Carolina

benedek/istockphoto

benedek/istockphoto

Avg. Credit Card Balance: $5,894
Months to Pay Off: 19
Total Interest Expense: $1,059

South Dakota

Aerial view of a small city surrounded by rolling green hills under a partly cloudy blue sky. The city features a mix of older brick buildings and modern structures, with trees scattered throughout. Hills extend into the distance. — DenisTangneyJr/istockphoto

DenisTangneyJr/istockphoto

Avg. Credit Card Balance: $5,375
Months to Pay Off: 18
Total Interest Expense: $847

Tennessee

Skyline of a city with modern and historic buildings under a clear sky at sunset. A river with a lush green shoreline is in the foreground, reflecting the colorful buildings and sky. — Jeremy Poland/istockphoto

Jeremy Poland/istockphoto

Avg. Credit Card Balance: $5,708
Months to Pay Off: 18
Total Interest Expense: $975

Texas

A vibrant street scene in Austin, Texas, featuring colorful historic buildings with neon signs and flags. Cars are parked along the street, and a few people walk on the sidewalk. Modern skyscrapers rise in the background under a cloudy sky. — benedek/istockphoto

benedek/istockphoto

Avg. Credit Card Balance: $6,620
Months to Pay Off: 19
Total Interest Expense: $1,162

Utah

Aerial view of a cityscape featuring a prominent white-domed Capitol building surrounded by modern skyscrapers and lush greenery. The backdrop includes distant mountains under a vibrant, colorful sky at sunset. — Sean Pavone/istockphoto

Sean Pavone/istockphoto

Avg. Credit Card Balance: $5,945
Months to Pay Off: 15
Total Interest Expense: $812

Vermont

Aerial view of a quaint town nestled in a valley with surrounding hills. The town features scattered houses, a central church, and winding roads. Autumn foliage in vibrant orange, yellow, and green colors fills the landscape under a partly cloudy sky. — jimfeng / istockphoto

jimfeng / istockphoto

Avg. Credit Card Balance: $5,484
Months to Pay Off: 16
Total Interest Expense: $818

Virginia

Skyline of a city with modern skyscrapers and a bridge, reflected in a calm river. Trees with autumn foliage line the water's edge under a blue sky with wispy clouds. — SeanPavonePhoto/istockphoto

SeanPavonePhoto/istockphoto

Avg. Credit Card Balance: $6,647
Months to Pay Off: 16
Total Interest Expense: $980

Washington

Aerial view of a lakeside residential area with tree-lined streets during autumn. Houses are surrounded by colorful foliage, and the lake features several docks. Hills and a forested landscape are visible in the background under a cloudy sky. — MarkHatfield/istockphoto

MarkHatfield/istockphoto

Avg. Credit Card Balance: $6,470
Months to Pay Off: 15
Total Interest Expense: $870

West Virginia

Wirestock/istockphoto

Wirestock/istockphoto

Avg. Credit Card Balance: $5,333
Months to Pay Off: 21
Total Interest Expense: $1,035

Wisconsin

Aerial view of a city with a river running through it, surrounded by tall buildings. A bridge crosses the river, and docks line the waterfront. The sky is clear with a few clouds, indicating a sunny day. — Jon Mattrisch/istockphoto

Jon Mattrisch/istockphoto

Avg. Credit Card Balance: $4,940
Months to Pay Off: 15
Total Interest Expense: $680

Wyoming

A cityscape with mountains in the background. The mountains have a dusting of snow, and the sky is pink and blue, suggesting sunrise or sunset. The city is a mix of buildings and trees, creating a diverse urban landscape. — DenisTangneyJr/istockphoto

DenisTangneyJr/istockphoto

Avg. Credit Card Balance: $6,114
Months to Pay Off: 20
Total Interest Expense: $1,130