A credit card (or charge card) is a payment card, usually issued by a bank, allowing the card's users to purchase goods and services, or withdraw cash on credit. Card use thereby accrues debt that must be repaid later. As of 2023, credit cards are one of the most widely used forms of payment in the world.

A normal credit card differs from a charge card, which requires the balance to be repaid in full each month or at the end of each statement cycle. By contrast, credit cards allow consumers to build a continuing debt balance, subject to interest charged at a specific rate. Moreover, a credit card differs from a charge card in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date. A credit card also differs from a debit card, which can be used like currency by the card's owner.

In June 2018, there were 7.75 billion credit cards in the world. In 2020, there were 1.09 billion credit cards in circulation in the United States; 72.5% of adults (187.3 million people) in this country had at least one credit card.