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The Local Commerce Data Series are a battery of measures which provide a place-based view of local spending. Based upon the credit and debit card transactions made by over 40 million de-identified credit and debit card users across 15 major U.S. metro areas, the series provides decision-makers a view into the local commerce activity happening in their cities.

The downloadable data and figures relate year-over-year growth rates and growth contributions for local commerce for 15 metro areas. The “national” view is constructed as the aggregate trend across these 15 areas. For all geographies, growth is broken out by consumer age*, product type (e.g. restaurants), and channel (i.e. online/offline) to help local stakeholders and decision-makers better understand how consumer spending contributes to the economic vibrancy in their cities.

We hope that these data and figures can provide a better understanding of current local economic conditions and serve as useful input into decision making processes. Moreover, we hope that this series provides a view into the data that underlie our Cities & Local Communities research, and provide useful context around what forms of inquiries/research we are able to usefully inform. For an example of how our data can be leveraged for decision making, please see our insight “Retail spending response to local conditions during COVID-19”, which explores how consumer spending behavior responded to local conditions during the COVID-19 pandemic. Please reach out with any questions, feedback, or inquiries by emailing institute@jpmchase.com.

For a list of frequently asked questions (and their answers), please visit this link.

* The age breakout is currently delayed due to scheduling issues, but will be updated in future releases.


Spending growth was negative in February 2021. February 2021 had one day fewer than February 2020; moreover, that missing day was a Saturday, a day of the week that generally has higher spend.


Online spending has continued to grow over time; however, in February 2021, contractions in offline spending outweighed the positive contributions to growth made by online spending.


Spending growth in home goods and general goods was strong in February 2021, while spending on fuel and personal care services continued to experience substantial contractions