Today, in the world is extremely widespread and active competitive card market. The main competitors are divided into bank and non-bank credit card companies who market their products. Each of them has its own way of doing business and wants to achieve a dominant position in the market by differentiating against the competition. Currently, the world's leading issuers of bank cards Visa and MasterCard, and the main representatives of the non-bank or commercial cards American Express and Diners Club International. In the area of the Croatia, leading credit card company is PBZ Card d.o.o. The portfolio includes banking and non-banking cards, which is an advantage over the competition. Its position is achieved by the fact that for many years it is the only bank in Croatia which has a license to issue American Express cards. Thanks to this long-standing cooperation it has developed a loyal relationship with its customers. Maintaining a leading position in the market shall be achieved by retaining and improving the existing level of service, as well as the constant introduction of new technological solutions in the use of card products with the aim with the aim to familiarize and simplify operations to end-users of their services. The paper presents the results of the survey on a sample of 174 respondents, in order to display the structure and habits of using cards, as well as an interview with managers of PBZ Card to provide their insight into the company's business and the market situation.