Question of the Day: How many credit cards does the average Gen Z have?

Jan 12, 2022
Question of the Day, Credit Cards

Answer: 2.2 credit cards per person


  1. Do you have/plan to have a credit card before you turn 21? Why or why not?
  2. Do you think it is easier/more difficult to get a credit card when you are young?
  3. What are two major differences between a debit card and a credit card?
  4. What do you think is the ideal number of credit cards to have?

Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.


Behind the numbers (The Ascent):

"Generation Z doesn't have quite as many cards as other generations (2.2), but this group is much younger than the rest. Some members of Generation Z are just reaching adulthood, and the oldest are only 24.

Although most consumers have three credit cards or fewer, there are exceptions. About one in seven American credit card users (14.15%) have five or more credit cards."



It is important for everyone to review their credit card statement. Here's an NGPF Fine Print: Credit Card Statement to teach your students how to interpret this statement.


Want to deepen your content knowledge, earn 10 Academy credits, and a certification badge? Register for an NGPF Certification Course today! 


About the Author

Mason Butts

After graduating from UCLA with a Master's in Education, Mason spent 5 years as a science educator in a South Los Angeles public high school. He is committed to supporting the holistic growth of all students and empowering them to live a life of relational, academic, and financial success. Now settled in the Bay Area, Mason enjoys facilitating professional developments and partnering with educators as they prepare students for a bright financial future. When Mason is not building curriculum or planning a training, he can be found cycling, trying new foods, and exploring the outdoors.