3 Ohio Cities Among Top 100 for Most Credit Cards

Cleveland, Columbus, and Cincinnati rank highly in new credit card openings and ownership.

Feb. 26, 2026 at 12:18pm

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According to a WalletHub study, three Ohio cities - Cleveland, Columbus, and Cincinnati - were named among the top 100 cities in the U.S. with the most credit cards. The study looked at metrics like the average number of cards owned per person and the average number of new cards opened per person in the fourth quarter of 2025, as well as the percent change in those numbers from the previous year.

Why it matters

The prevalence of credit card ownership in these Ohio cities reflects broader trends in consumer finance and spending habits across the state. As more people open new credit accounts, it can indicate economic growth, increased access to credit, and changing consumer behaviors.

The details

Cleveland ranked the highest among the Ohio cities, coming in at #45 overall with a score of 51.72. Columbus was #73 with a score of 44.71, and Cincinnati was #79 with a score of 43.66. The top city nationwide was Henderson, Nevada with a score of 83.93. Other cities in the top 5 included St. Louis, Garland (Texas), Irvine (California), and Anaheim (California).

  • The study looked at data from the fourth quarter of 2025.
  • The rankings compared the fourth quarter of 2025 to the fourth quarter of 2024.

The players

WalletHub

A personal finance website that provides credit-related information and tools.

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The takeaway

The high rankings of several Ohio cities in credit card ownership and new account openings suggests growing consumer confidence and economic activity in the state, though the long-term implications of increased credit usage remain to be seen.