US Finance Credit Cards - PPC Market Share Analysis December 2025

Leveraging Adthena’s Whole Market View, this analysis explores recent trends in Google Ads for the US Credit Cards category from the last month. Our Data Analyst, Ask Arlo provides commentary on key findings.

Credit Cards – US

Google AI Overview visibility for Finance Credit Cards US

See how often AIOs appear and how search intent is distributed across buying signals.

AIO Frequency

How often a Google AI overview appears on search terms relevant to this category.

Frequency Percentage
Frequency 31.5970318419
68.4029681581
31%

Complex Query Frequency

A complex query is a longer, more detailed search that often contains multiple keywords, specific conditions, or multi-part questions.

Frequency Percentage
Frequency 79
21
79%

Search Intent Distribution

Breakdown of search queries by their underlying goal.

Intent Distribution
Investigational 15%
Transactional 9%
Navigational 11%
Seasonal 0%
Local 0%
Problem Solving 15%

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Market Exposure

Share of Clicks for top 10 US Finance Credit Cards brands

Here are the Top 10 competitors in the industry by Share of Clicks for the last month.

Share of Clicks - Last month
Share of Clicks - Last month
Domain Share of clicks
americanexpress.com 13.41
creditkarma.com 13.16
capitalone.com 11.12
chase.com 10.94
discover.com 8.86
paypal.com 5.03
experian.com 3.97
bankofamerica.com 3.8
carecredit.com 3.78
citi.com 2.83
others 23.1
  • americanexpress.com - 13.41%
  • creditkarma.com - 13.16%
  • capitalone.com - 11.12%
  • chase.com - 10.94%
  • discover.com - 8.86%
  • paypal.com - 5.03%
  • experian.com - 3.97%
  • bankofamerica.com - 3.8%
  • carecredit.com - 3.78%
  • citi.com - 2.83%
  • others - 23.1%

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In the competitive landscape, American Express leads with 13.41% click share, closely followed by Credit Karma at 13.16%. Meanwhile, ‘others’ collectively hold a significant 23.1%.

Market Exposure

Share of Spend for the top 10 US Finance Credit Cards brands

Curious about your market position? Here you can see the Top 10 competitors in the industry by Share of Spend for the last month. 

Share of Spend - Last Month
Share of Spend - Last Month
Date capitalone.com chase.com discover.com forbes.com bankofamerica.com nerdwallet.com americanexpress.com comparecredit.com experian.com creditkarma.com
2025/12/01 17.47% 12.05% 9.94% 4.51% 2.7% 7.3% 5.07% 3.88% 5.22% 3.03%
2025/12/02 18.49% 12.19% 9.44% 2.69% 2.99% 8.19% 5.54% 2.94% 5.45% 3.52%
2025/12/03 16.31% 11.67% 9.31% 3.54% 4.3% 5.91% 4.92% 3.73% 5.62% 3.21%
2025/12/04 15.4% 11.49% 8.76% 1.99% 5.11% 6.03% 5.41% 3.24% 5.65% 3.36%
2025/12/05 15.64% 10.61% 8.88% 1.45% 6.11% 7.51% 5.04% 3.35% 5.69% 2.7%
2025/12/06 15.81% 11.28% 8.41% 1.98% 6.47% 9.78% 5.18% 3.82% 5.8% 3.11%
2025/12/07 15.86% 11.82% 8.13% 1.82% 5.64% 9.94% 5.07% 4.24% 5.08% 3.32%
2025/12/08 15.35% 11.96% 8.66% 2.95% 5.03% 7.9% 4.97% 4.32% 5.06% 3.23%
2025/12/09 15.57% 11.42% 8.63% 2.87% 5.45% 7.2% 5.59% 3.62% 5.35% 3.88%
2025/12/10 17.6% 11.62% 9.12% 1.47% 5.17% 5.03% 5.39% 3.91% 6.12% 3.52%
2025/12/11 16.31% 12.1% 8.89% 2.45% 5.65% 5.98% 5.31% 2.53% 6.35% 3.27%
2025/12/12 15.67% 12.36% 9.41% 1.35% 7.08% 6.4% 5.61% 1.75% 5.38% 3.63%
2025/12/13 16.82% 12.56% 9.27% 1.67% 7.83% 6.6% 5.97% 3.05% 3.95% 3.53%
2025/12/14 15.38% 13.18% 9.52% 1.66% 7.63% 7.72% 5.87% 2.75% 3.59% 3.08%
2025/12/15 16.05% 13.24% 10.4% 2.92% 5.86% 6.43% 5.71% 3.05% 4.25% 3.15%
2025/12/16 15.68% 13.54% 9.19% 3.6% 5.89% 5.98% 5.04% 3.53% 3.96% 3.07%
2025/12/17 16.68% 14.55% 9.58% 3.05% 5.74% 5.04% 5.41% 3.21% 4.15% 2.66%
2025/12/18 15.28% 13.51% 10.33% 2.83% 6.42% 4.63% 6.01% 2.34% 5% 2.97%
2025/12/19 15.37% 11.77% 9.81% 2.67% 6.05% 5.01% 5.96% 2.67% 4.92% 3.12%
2025/12/20 14.89% 11.2% 9.38% 2.7% 6.79% 6.07% 5.63% 1.54% 5.56% 3.65%
2025/12/21 15.77% 10.65% 9.77% 2.81% 6.11% 8.36% 6.01% 1% 4.43% 3.65%
2025/12/22 14.77% 13.18% 8.95% 5.06% 4.92% 4.82% 6.31% 1.81% 4.54% 3.46%
2025/12/23 13.96% 15.1% 8.73% 4.11% 5.4% 4.7% 5.76% 1.92% 3.86% 3.09%
2025/12/24 14.2% 14.46% 8.62% 3.18% 5.82% 4.4% 5.83% 1.54% 4.29% 3.1%
2025/12/25 13.76% 13.97% 9.38% 4.33% 7.23% 3.5% 5.95% 1.9% 3.96% 3.86%
2025/12/26 13.87% 15.01% 8.48% 3.36% 6.38% 5.84% 5.84% 3.83% 3.76% 3.72%
2025/12/27 14.09% 14.08% 7.98% 3.13% 5.46% 8.12% 5.2% 2.95% 3.94% 3.25%
2025/12/28 14.69% 13.52% 8.25% 4.75% 5.64% 5.97% 5.58% 2.2% 4.22% 3.61%
2025/12/29 15.5% 14.37% 7.87% 4.51% 4.09% 6.26% 5.23% 3.12% 4.21% 2.97%
2025/12/30 15.86% 11% 7.93% 6.8% 5.1% 5.47% 5.68% 3.11% 4.19% 2.54%
2025/12/31 17.51% 8.86% 8.24% 6.75% 5.97% 5.93% 5.89% 4.16% 3.82% 2.39%
  • capitalone.com
  • chase.com
  • discover.com
  • forbes.com
  • bankofamerica.com
  • nerdwallet.com
  • americanexpress.com
  • comparecredit.com
  • experian.com
  • creditkarma.com

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Capital One’s spend share fluctuated, peaking at 18.49% early December, then dipped mid-month, closing at 17.51%. Chase saw a decline, ending at 8.86%. Discover’s share decreased, finishing at 8.24%.

Market Exposure

Competitor Count for US Finance Credit Cards

Ever wondered how many competitors you’re up against in your industry? Well look no further, here we can see the number of advertisers bidding over the last month. 

Competitor Count - Last month
Competitor Count - Last month
Date Competitor Count
2025/12/01 617
2025/12/02 594
2025/12/03 628
2025/12/04 638
2025/12/05 632
2025/12/06 631
2025/12/07 617
2025/12/08 620
2025/12/09 615
2025/12/10 621
2025/12/11 601
2025/12/12 618
2025/12/13 579
2025/12/14 622
2025/12/15 621
2025/12/16 623
2025/12/17 603
2025/12/18 626
2025/12/19 615
2025/12/20 618
2025/12/21 617
2025/12/22 623
2025/12/23 629
2025/12/24 608
2025/12/25 610
2025/12/26 626
2025/12/27 613
2025/12/28 602
2025/12/29 597
2025/12/30 604
2025/12/31 584

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December saw fluctuating advertiser numbers, peaking at 638 on December 4th. The month concluded with a dip to 584 on December 31st.

Campaign Efficiency

Market Loss & Market Gains for US Finance Credit Cards

Here we’re looking at the Top 10 biggest industry movers by market share gains and losses for the last 30 days.

Market Loss & Market Gains - Last month
Market Loss & Market Gains - Last month
Name Market Trend
forbes.com 0.57%
chase.com 0.47%
cardcritics.com 0.43%
netcredit.com 0.28%
navyfederal.org 0.24%
wellsfargo.com -0.22%
transunion.com -0.31%
experian.com -0.35%
nerdwallet.com -0.48%
capitalone.com -0.49%

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Forbes.com leads with a 0.57% click share rise, while capitalone.com drops by 0.49%. Chase.com and cardcritics.com also see positive growth, contrasting nerdwallet.com’s decline.

Campaign Efficiency

US Finance Credit Cards Share of Impressions

Take a look at the Top 10 competitors in the industry by Share of Impressions over the last month.

Date capitalone.com americanexpress.com chase.com discover.com creditkarma.com experian.com bankofamerica.com nerdwallet.com netcredit.com freescoreonline.com
2025/12/01 18.34% 6.9% 9.43% 6.89% 6.83% 6.87% 2.08% 4.46% 1.47% 2.46%
2025/12/02 17.9% 7.88% 9.02% 6.78% 8.02% 6.88% 2.38% 5.05% 1.45% 2.09%
2025/12/03 15.87% 7.18% 8.8% 6.39% 6.43% 6.3% 3.15% 3.68% 2.25% 2.8%
2025/12/04 14.13% 7.16% 9.45% 6% 7.35% 6.75% 4% 3.43% 2.51% 2.08%
2025/12/05 14.96% 6.57% 8.3% 6.77% 6.19% 6.64% 4.75% 4.63% 2.31% 2.25%
2025/12/06 15.34% 6.86% 9.16% 5.91% 7.25% 6.18% 5% 5.8% 2.09% 2.35%
2025/12/07 15.57% 6.96% 9.42% 5.51% 7.76% 6.22% 4.07% 5.88% 2.53% 2.18%
2025/12/08 15.19% 6.73% 9.36% 5.94% 6.68% 5.92% 3.66% 4.97% 1.82% 2.49%
2025/12/09 14.71% 7.38% 8.62% 6.04% 8.37% 7.02% 4.11% 4.65% 1.97% 2.49%
2025/12/10 16.61% 6.88% 8.86% 6.4% 7.43% 7.09% 3.84% 2.83% 1.97% 2.57%
2025/12/11 15.32% 6.69% 8.75% 6.7% 7.14% 7.47% 4.33% 3.47% 1.96% 2.81%
2025/12/12 14.57% 7.3% 8.8% 6.56% 8.24% 7.18% 4.94% 3.95% 1.82% 1.93%
2025/12/13 16.34% 7.98% 9.64% 6.96% 8% 4.91% 5.83% 3.55% 1.71% 2.34%
2025/12/14 14.28% 7.4% 10.06% 6.9% 7.45% 5.13% 5.59% 4.93% 1.59% 1.84%
2025/12/15 15% 7.29% 10.32% 7.74% 6.8% 5.16% 4.1% 4.79% 2.72% 2.73%
2025/12/16 14.72% 6.43% 10.79% 7.08% 7.38% 5.1% 4.2% 3.91% 2.38% 2.3%
2025/12/17 15.92% 7.36% 10.93% 7.35% 6.46% 4.52% 4.36% 3.93% 1.34% 1.96%
2025/12/18 14.07% 7.46% 9.64% 8.23% 6.92% 5.9% 4.52% 2.88% 3% 2.45%
2025/12/19 14.19% 7.41% 9.39% 7.35% 7.39% 6.36% 4.32% 2.84% 2.78% 1.86%
2025/12/20 14.13% 6.95% 8.13% 7.64% 7.94% 6.46% 5.07% 3.75% 2.42% 2.24%
2025/12/21 14.68% 7.61% 8.11% 7.54% 7.72% 5.59% 4.56% 4.59% 3.91% 1.82%
2025/12/22 13.51% 7.3% 9.65% 6.63% 7.83% 5.83% 3.52% 2.54% 3.74% 2.48%
2025/12/23 13.02% 7.33% 11.82% 6.66% 7.06% 4.64% 3.91% 2.54% 3.24% 2.3%
2025/12/24 12.96% 7.24% 11.31% 6.27% 6.99% 5.56% 4.47% 2.49% 3.17% 1.85%
2025/12/25 12.62% 7.81% 11.09% 6.75% 8.16% 5.02% 5.15% 2.15% 3.61% 1.92%
2025/12/26 13% 7.4% 12.25% 6.39% 8.55% 4.51% 4.56% 3.53% 2.07% 1.91%
2025/12/27 13.03% 6.77% 11.26% 6.03% 7.24% 4.93% 3.87% 4.55% 1.93% 2.21%
2025/12/28 13.79% 6.77% 11.09% 6.37% 8.02% 4.68% 4.19% 3.22% 2.84% 2.3%
2025/12/29 14.28% 6.94% 11.24% 5.8% 6.95% 5.58% 2.83% 4.07% 3.22% 2.82%
2025/12/30 15.39% 7.35% 8% 6.23% 6.3% 5.56% 3.67% 3.48% 2.63% 2.12%
2025/12/31 17.29% 7.53% 6.62% 6.36% 6.28% 5.03% 4.68% 3.66% 2.41% 1.1%
  • capitalone.com
  • americanexpress.com
  • chase.com
  • discover.com
  • creditkarma.com
  • experian.com
  • bankofamerica.com
  • nerdwallet.com
  • netcredit.com
  • freescoreonline.com

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Capital One’s impression share started at 18.34% and dipped to 12.62% mid-month, recovering to 17.29% by month-end. American Express fluctuated, ending at 7.53%. Chase saw a peak at 12.25% before closing at 6.62%. Discover’s share varied, finishing at 6.36%. Credit Karma’s share peaked at 8.55% and ended at 6.28%. Experian’s share decreased, closing at 5.03%. Bank of America rose to 5.15% mid-month, ending at 4.68%. NerdWallet’s share fluctuated, closing at 3.66%. NetCredit’s share peaked at 3.91%, ending at 2.41%. FreeScoreOnline’s share varied, closing at 1.1%.

Campaign Efficiency

Google Text Ad Copy Insights & Creative Trends for US Finance Credit Cards

Ever wondered how your rivals’ ads are doing? Here we can see the top-performing ads in the industry over the last month.

Google Text Ad Copy Insights & Creative Trends for US Finance Credit Cards - Last month
  1. 1
    American Express - Official American Express Site https://www.americanexpress.com › officialsite

    Explore American Express® Welcome Offers & Apply on The Official Site. Terms Apply.

  2. 2
    CHASE® Credit Card Offers | Apply For A Card Online https://creditcards.chase.com › creditcards › learnmore

    Easily compare our credit card rewards to find the one you want. Member FDIC. Apply Online.

  3. 3
    Citi® Balance Transfer Card - 21 Months with 0% Intro APR https://citicards.citi.com

    Transfer Your Balance & Enjoy 0% Intro APR For 21 Months From Date Of Account Opening.

  4. 4
    Credit Karma™- Official Site - Free Credit Score & Report https://www.creditkarma.com

    Get an in-depth view of your credit, and learn which credit factors affect it the most.

  5. 5
    Your 3-Bureau Credit Scores - 3-Bureau Credit Score & Report https://www.equifax.com

    Put the Power of 3 to Work for You. Get Your 3-bureau Credit Scores & Credit Report Today.

Copyright © Adthena. All rights reserved.

In the competitive world of credit cards, American Express, Chase, and Citi stand out with enticing offers. American Express highlights exclusive welcome offers, while Chase emphasizes easy comparison of rewards. Citi attracts with a 0% intro APR for 21 months. Meanwhile, Credit Karma and Equifax focus on empowering users with comprehensive credit insights and reports.

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