Key insight : As prices rise, Americans are increasingly using credit cards to pay for basic necessities. : As prices rise, Americans are increasingly using credit cards to pay for basic necessities. Supporting data : In 2025, 63% of working-age U.S. adults paid for groceries with their credit cards, up from 60% in 2023, according to an Urban Institute study. : In 2025, 63% of working-age U.S. adults paid for groceries with their credit cards, up from 60% in 2023, according to an Urban Institute study. USAA, a $244 billion-asset financial services company that caters to U.S. military members, launched two new credit cards this month.