Juzt Credit Card – the digital gateway to financial freedom – continued strong growth during Q1 2026, with customer engagement rising significantly compared to the prior period.
Designed for credit building with no security deposit required, Juzt Card provides accessible credit – helping customers build a stronger financial future with every transaction.
- Spending Behavior
Active Juzt Card customers used their card for everyday purchases throughout Q1 2026, with an average transaction of around $24. Spending patterns reflect practical, day-to-day needs – from groceries and dining to fuel and essential services.
Top Merchant Types
Grocery stores, restaurants, and fast food lead customer spending, together accounting for over a third of all card usage. This pattern underscores that Juzt Card customers are using their card as a primary payment tool for essential, everyday needs rather than luxury or discretionary purchases.
Spending Patterns Across Income Groups
Transaction sizes are relatively consistent across income groups, reflecting the everyday nature of card usage. Customers across all income levels use their Juzt Card for similar types of purchases, with a modest increase in average transaction size among higher earners.
2.Credit Profile & Behaviour
Credit Score Distribution
Juzt Card serves customers across the credit spectrum, with a focus on those who need it most. Based on Vantage Score 4.0, the majority of active customers fall in the subprime and near-prime ranges – exactly the population that benefits from credit-building tools.
The credit profile of Juzt Card customers reflects the product’s core mission: serving individuals who are underserved by traditional financial products. Over 60% of active customers started with subprime scores, and nearly 30% fall in the near-prime range -a population with significant potential for credit improvement through responsible card usage and consistent payment reporting.
Building Credit Through Juzt
Juzt Credit Card is designed to make credit building accessible – no security deposit required. All card activity is reported monthly to Equifax, empowering customers to build a stronger financial future with every purchase.
Active card usage during Q1 2026 translated into consistent activity reported to Equifax:
A strong share of cardholders actively used their Juzt Card throughout the quarter
37.6% of active customers transacted consistently across all months of the quarter – a significant increase in engagement
Active customers averaged 5 transactions per month, demonstrating regular and sustained card Usage
3. Customer Demographics
Juzt Card serves a diverse customer base across 50 states plus Washington D.C., with the largest occupational group being Educational, Medical, Social Assistance Services.
Income Distribution
The majority of Juzt Card customers earn between $35,000 and $100,000 annually, representing working- and middle-class Americans. This income profile aligns with the product’s positioning as an accessible financial tool for individuals building their credit and financial stability.
Occupational Profile
Juzt Card customers represent a broad cross-section of the American workforce. Education, healthcare, and social services lead the way, followed by construction, transportation, and manufacturing – industries that form the backbone of the economy. This diversity reflects the universal appeal of accessible credit-building tools.
4. Geographic Analysis
Customer Footprint
Juzt Card customers are present in 50 states plus Washington D.C.. The top 3 states – FL, GA, TX – account for 26.4% of all active customers, reflecting strong adoption in major population centers.
Juzt Card has achieved a truly national footprint, with active customers across all 50 states plus Washington D.C.. Customer adoption continues to grow across major population centers, with Florida, Georgia, Texas, and California leading the way.
Urbanicity by Geography
The vast majority of customers reside in urban areas, consistent with the digital-first nature of the product. However, Juzt Card also reaches suburban and rural communities – demonstrating that the need for accessible credit building extends beyond city centers.
Usage by Urbanicity
Customer Distribution: Urban, Suburban, Rural
Top States: Where Customers Spend
Spending patterns are remarkably consistent across top states, with fast food, restaurants, groceries, and gas stations appearing in every state’s top categories. This consistency suggests that Juzt Card customers nationwide share similar usage habits – relying on their card for essential daily expenses regardless of geography.
Regional Differences in Usage
Customer engagement varies by state, with some markets showing notably higher transaction frequency. These differences may reflect regional economic factors, local merchant availability, or varying stages of product adoption – all valuable signals for guiding future growth efforts.
Looking Aheed
Q1 2026 marks another quarter of strong growth for Juzt Card. Active customers across all 50 states plus Washington D.C. are using their card for everyday purchases – from groceries and gas to dining and essential services – while building their credit history through monthly Equifax reporting.
Customer engagement continues to deepen, with a growing share of cardholders transacting consistently throughout the quarter. The data paints a clear picture: Juzt Card customers are engaged, diverse, and actively participating in the financial system.
As the platform grows, so does its potential to transform the financial lives of millions of Americans. Every transaction and every month of consistent usage brings customers one step closer to financial freedom – juzt like that.
