Average Credit Card Debt by State

Carrying over credit card debt from one month to the next is a common practice among American credit card holders. But life has become more expensive due to inflation, and many consumers are charging for the things they want and need instead of paying cash. 

But unless a cardholder repays the balance in full when the bill comes in, compound interest will be added to the unpaid balance as it rolls over to the next month. This means you will pay more than you borrowed, and it will take you longer to pay off your balance.

The Federal Reserve Bank of New York reported credit card debt topped $1.18 trillion in the first quarter of 2025.¹

If you owe money on your cards, the balances you’re holding may be higher or lower than those of people in your community. Comparing and contrasting the numbers can give you insight into where you stand with the rest of the country, based on your location. 

Experian analyzed the average credit card debt in each state in 2024.² Here is how the data breaks down in order of highest to lowest balances.

State	2024 Average Balance
Alaska	$8,077
District of Columbia	$7,861
New Jersey	$7,605
Hawaii	$7,560
Connecticut	$7,568
Maryland	$7,492
Texas	$7,467
Georgia	$7,238
Colorado	$7,267
Nevada	$7,308
Virginia	$7,200
Florida	$7,392
California	$7,080
Washington	$6,975
New York	$7,010
Illinois	$6,726
Rhode Island	$6,686
New Hampshire	$6,692
Massachusetts	$6,853
Delaware	$6,841
Arizona	$6,800
Oregon	$6,199
Utah	$6,532
North Carolina	$6,434
Wyoming	$6,406
Louisiana	$6,359
Pennsylvania	$6,245
Tennessee	$6,243
Oklahoma	$6,291
South Carolina	$6,498
Idaho	$6,131
Montana	$6,122
Alabama	$6,074
Missouri	$6,042
Minnesota	$6,068
Kansas	$6,082
Arkansas	$5,826
Maine	$5,826
New Mexico	$6,023
South Dakota	$5,717
Michigan	$5,932
Nebraska	$5,945
Indiana	$5,621
Vermont	$5,928
North Dakota	$5,991
Iowa	$5,329
Kentucky	$5,399
West Virginia	$5,427
Mississippi	$5,553
Wisconsin	$5,370
Ohio	$5,871

These balances are even more alarming than they first appear because the added interest can be so expensive. In May 2025, the average credit card APR was 21.37%.³ 

Alaska Has the Highest Average Credit Card Debt: $8,077

Alaska’s economy is uniquely primed for its residents to take on credit card debt. Many Alaskans do seasonal work, meaning they may take out debt to get themselves through the off months.

Alaska also has several high-earning industries, meaning some Alaskans are likely able to take on more debt. Credit card limits are based not just on credit scores, but also on the amount a borrower can afford to repay, i.e., their income and outstanding debt.

So if you have the means to make at least the minimum payments on a high credit limit, the credit card issuer may provide a greater level of charging power. 

Ohio Has the Lowest Average Credit Card Debt: $5,871

Ohio not only has one of the lowest median incomes in the United States — $46,690 — but it also has the lowest average credit card debt. Consequently, the credit limits will follow suit. 

The less money you can afford to pay, the less you will be able to borrow. The end result is a smaller credit limit and lower debt. 

There is a strong correlation between how much someone owes in credit card debt and their credit scores. 

Credit scoring companies, such as FICO, weigh some information on a credit report heavier than others. Credit utilization is second only to payment history as the most important credit scoring factor. 

The amount of debt you carry comprises 30% of your FICO score. 

FICO Score Factor	Percentage of Your Score
Payment History	35%
Amounts Owed	30%
Credit History	15%
Credit Mix	10%
New Credit	10%

The less you owe on your credit cards as compared to the amount you can borrow, the broader your credit utilization will be. That results in a better credit score because it indicates you are not over-borrowing to make ends meet. 

Conversely, if you have used up all or most of your credit card limit, your credit scores are likely to be lower because lenders see that as an over-reliance on borrowing to get by. 

The common rule of thumb is to have at least 70% of your balance available. So if you have a credit card with a $1,000 limit, revolving no more than $300 on that card is recommended to achieve a high credit score. If the total of your credit limits on all cards is $10,000, the total of your revolving debt should be under $3,000. 

That’s why the high and low scores per state begin to make sense. The average credit score in the US in 2025 was 715, a two-point drop from 717 in 2024.⁴

In Alaska, the state with the highest average credit card debt, it was 722, so better than the national average. On the other hand, credit scores for Ohio averaged 716, right under the national average.

State	FICO Score
Minnesota	742
Wisconsin	738
Vermont	737
New Hampshire	736
Washington	735
South Dakota	734
North Dakota	733
Montana	732
Oregon	732
Massachusetts	732
Hawaii	732
Nebraska	731
Maine	731
Colorado	731
Idaho	730
Utah	730
Iowa	730
Alaska	722
Connecticut	726
Wyoming	725
New Jersey	724
Virginia	723
California	722
Kansas	722
Pennsylvania	722
New York	721
Rhode Island	721
Illinois	720
Michigan	719
Ohio	716
District of Columbia	715
Maryland	715
Delaware	714
Missouri	714
Arizona	712
Indiana	712
North Carolina	709
Tennessee	706
Kentucky	705
West Virginia	702
New Mexico	702
Nevada	701
South Carolina	700
Oklahoma	696
Texas	695
Arkansas	695
Georgia	695
Alabama	692
Louisiana	690
Mississippi	680

To extrapolate, Alaskan residents may carry more debt than Ohioans, but they may have much broader credit utilization ratios. Connecticut residents may carry more debt than Kentuckyans, but they may have much broader credit utilization ratios.

No matter where you live in the country, if you are burdened with expensive credit card bills because the interest fees are eroding your payments, a solution may be closer than you think. A balance transfer credit card that offers a 0% APR for a limited period can help.

With a 0% APR balance transfer card, you can move your existing debt to the new card account. This will give you a fixed number of months to repay the transferred balance with no finance fees added to the debt. 

Most accounts charge a transfer fee of between 2% and 5% of the balance, but the final savings can be tremendous. The 0% time frame is currently anywhere between 12 months and 21 months. 

For example, let’s say you have a $5,000 credit card balance with a 21% APR and aim to pay the entire debt off in 15 months. 

• If you keep your debt with the original card, you would need to make monthly payments of $381 to reach your goal. The total interest paid would be $728.  
• If you transfer the balance to a credit card that gives you 0% APR for 15 months and charges 2% of the balance as a fee ($100), the monthly payment would drop to $340. You would get out of debt within that same time frame with no interest paid whatsoever. You would save $628 in interest, and the monthly payments would be $41 lower. 

To qualify for a 0% APR balance transfer card, you usually have to have a good credit score. Check your score before applying, and if yours is on the low side (below 700), you can use the following strategies to help bring it up:

• Always pay the accounts listed on your credit reports on time. Delinquencies will drag your scores down, but they can be offset with a stream of timely payments. 
• If the amount of debt you have is hurting your credit utilization ratio, either pay some of it down first or ask the credit card issuer if they will agree to a higher credit limit. This will lower your credit utilization ratio.
• Do not apply for credit products unless you really need them. Too many hard inquiries, especially when your scores are already low, can negatively affect credit scores. 

Whether your credit card balance is higher or lower than the average for your state, what is most important is that you achieve your own financial health. Debt that is accumulating interest and the accompanying payments rob money from your budget.

Take action to drive the debt down, even if you don’t use a balance transfer credit card. 

Once you’re back in the black, plan on keeping it that way. Only charge when you’re certain that you can pay the balance in full by the time the bill rolls in. When you do, you won’t have to worry about debt or interest — and you can be sure that you are feeding your credit reports positive information that will result in high credit scores.

• Average Credit Card Debt by Country
• Average Credit Card Debt by Year
• Average Credit Card Debt by Household
• Average Credit Card Debt by Age
• Average Credit Card Debt in America

¹ https://www.newyorkfed.org/microeconomics/hhdc
² https://www.experian.com/blogs/ask-experian/state-of-credit-cards/
³ https://www.cbsnews.com/news/when-could-credit-card-rates-become-affordable-again/
⁴ https://www.fico.com/blogs/average-u-s-fico-score-stays-717-even-consumers-are-faced-economic-uncertainty