Chase Spending Data: Updated Through July 7, 2026

Research evidence excerpt

Chase Spending Data: Updated Through July 7, 2026

J P M O R G A N North America Equity Research

15 July 2026

Chase Spending Data

Updated Through July 7, 2026

We are updating our Chase Spending data through July 7. Data are provided on a Consumer Finance

AClagged basis and presented in a rolling seven-day format. Richard Shane

Beginning with our May 26, 2026 publication, we are sourcing our Chase (1-415) 315-6701

richard.b.shane@jpmorgan.com

Spending data from JPMC Index File 2.0, an updated and enhanced dataset that

Hong Zhang

replaces the prior Index File 1.0. The new dataset is built using more granular (1-212) 622-6416

transaction-level details, enabling us to expand our analytical coverage with hongliang.zhang@jpmorgan.com

additional category breakdowns (e.g. by income level). As a result, readers will notice J.P. Morgan Securities LLC

a substantial increase in the number of charts and tables accompanying this report

going forward. As always, we welcome reader feedback and suggestions. We have

attached a schema of the full dataset as an appendix at the end of the note, allowing The authors wish to thank Prakhar Rai, of

readers to see the complete universe of available categories as well as those we have the J.P. Morgan Global Research Center,

selected to highlight in our charts and commentary. Click here for disclaimers and for contributions to this report.

methodology.

Key Takeaways: Total spending growth for July roughly in-line M/M vs. June.

Total spending was up ~5.9% Y/Y through July 7, roughly in-line with June’s figure

of ~6.0%. The roughly in-line month-over-month Y/Y spending growth was a result

of slightly higher M/M discretionary spending (6.5% in July vs. 6.4% in June) being

offset by lower M/M non-discretionary spending (4.5% in July vs. 5.0% in June).