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Reportable Operating Segments and Geographic Operations (Tables) | 12 Months Ended
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Dec. 31, 2024
Segment Reporting [Abstract] |
Operating segment information | The following tables present certain selected financial information for our reportable operating segments and Corporate & Other as of or for the years ended December 31, 2024, 2023 and 2022. TABLE 24.1: SELECTED FINANCIAL INFORMATION BY SEGMENT
(Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
2024 |  |  |  |  |  |  |  |  |  |  |  |
Total non-interest revenues |  | $ | 20,137 |  |  | $ | 13,219 |  |  | $ | 10,369 |  |  | $ | 6,729 |  |  | $ | (48) |  |  | $ | 50,406 |
Revenue from contracts with customers (b) |  | 14,481 |  |  | 11,559 |  |  | 6,766 |  |  | 6,051 |  |  | (32) |  |  | 38,825 |
Interest income |  | 14,430 |  |  | 4,374 |  |  | 2,331 |  |  | 52 |  |  | 2,608 |  |  | 23,795 |
Interest expense |  | 3,140 |  |  | 1,734 |  |  | 1,239 |  |  | (703) |  |  | 2,842 |  |  | 8,252 |
Net interest income |  | 11,290 |  |  | 2,640 |  |  | 1,092 |  |  | 755 |  |  | (234) |  |  | 15,543 |
Total revenues net of interest expense |  | 31,427 |  |  | 15,859 |  |  | 11,461 |  |  | 7,484 |  |  | (282) |  |  | 65,949 |
Provisions for credit losses |  | 3,029 |  |  | 1,389 |  |  | 726 |  |  | 42 |  |  | (1) |  |  | 5,185 |
Total revenues net of interest expense after provisions for credit losses |  | 28,398 |  |  | 14,470 |  |  | 10,735 |  |  | 7,442 |  |  | (281) |  |  | 60,764 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 14,329 |  |  | 6,504 |  |  | 5,243 |  |  | 1,148 |  |  | 43 |  |  | 27,267 |
Marketing |  | 3,051 |  |  | 1,319 |  |  | 1,235 |  |  | 411 |  |  | 24 |  |  | 6,040 |
Salaries and employee benefits and other operating expenses |  | 4,641 |  |  | 3,142 |  |  | 3,226 |  |  | 1,485 |  |  | 2,068 |  |  | 14,562 |
Total expenses |  | 22,021 |  |  | 10,965 |  |  | 9,704 |  |  | 3,044 |  |  | 2,135 |  |  | 47,869 |
Pretax income (loss) |  | $ | 6,377 |  |  | $ | 3,505 |  |  | $ | 1,031 |  |  | $ | 4,398 |  |  | $ | (2,416) |  |  | $ | 12,895 |
Total assets |  | $ | 114,228 |  |  | $ | 58,969 |  |  | $ | 42,879 |  |  | $ | 17,712 |  |  | $ | 37,673 |  |  | $ | 271,461 |
(Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
2023 |  |  |  |  |  |  |  |  |  |  |  |
Total non-interest revenues |  | $ | 18,464 |  |  | $ | 12,931 |  |  | $ | 9,472 |  |  | $ | 6,620 |  |  | $ | (106) |  |  | $ | 47,381 |
Revenue from contracts with customers (b) |  | 13,715 |  |  | 11,379 |  |  | 6,155 |  |  | 6,006 |  |  | (37) |  |  | 37,218 |
Interest income |  | 12,336 |  |  | 3,328 |  |  | 2,076 |  |  | 57 |  |  | 2,186 |  |  | 19,983 |
Interest expense |  | 2,684 |  |  | 1,483 |  |  | 1,118 |  |  | (719) |  |  | 2,283 |  |  | 6,849 |
Net interest income |  | 9,652 |  |  | 1,845 |  |  | 958 |  |  | 776 |  |  | (97) |  |  | 13,134 |
Total revenues net of interest expense |  | 28,116 |  |  | 14,776 |  |  | 10,430 |  |  | 7,396 |  |  | (203) |  |  | 60,515 |
Provisions for credit losses |  | 2,855 |  |  | 1,313 |  |  | 727 |  |  | 27 |  |  | 1 |  |  | 4,923 |
Total revenues net of interest expense after provisions for credit losses |  | 25,261 |  |  | 13,463 |  |  | 9,703 |  |  | 7,369 |  |  | (204) |  |  | 55,592 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 12,808 |  |  | 6,332 |  |  | 4,588 |  |  | 1,218 |  |  | 46 |  |  | 24,992 |
Marketing |  | 2,585 |  |  | 1,090 |  |  | 1,081 |  |  | 437 |  |  | 20 |  |  | 5,213 |
Salaries and employee benefits and other operating expenses |  | 4,435 |  |  | 3,180 |  |  | 3,061 |  |  | 2,058 |  |  | 2,140 |  |  | 14,874 |
Total expenses |  | 19,828 |  |  | 10,602 |  |  | 8,730 |  |  | 3,713 |  |  | 2,206 |  |  | 45,079 |
Pretax income (loss) |  | $ | 5,433 |  |  | $ | 2,861 |  |  | $ | 973 |  |  | $ | 3,656 |  |  | $ | (2,410) |  |  | $ | 10,513 |
Total assets |  | $ | 107,158 |  |  | $ | 55,361 |  |  | $ | 42,234 |  |  | $ | 23,714 |  |  | $ | 32,641 |  |  | $ | 261,108 |
(Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
2022 |  |  |  |  |  |  |  |  |  |  |  |
Total non-interest revenues |  | $ | 16,440 |  |  | $ | 12,196 |  |  | $ | 8,262 |  |  | $ | 6,123 |  |  | $ | (54) |  |  | $ | 42,967 |
Revenue from contracts with customers (b) |  | 12,478 |  |  | 10,844 |  |  | 5,301 |  |  | 5,603 |  |  | (7) |  |  | 34,219 |
Interest income |  | 8,457 |  |  | 2,070 |  |  | 1,453 |  |  | 23 |  |  | 655 |  |  | 12,658 |
Interest expense |  | 983 |  |  | 697 |  |  | 654 |  |  | (329) |  |  | 758 |  |  | 2,763 |
Net interest income |  | 7,474 |  |  | 1,373 |  |  | 799 |  |  | 352 |  |  | (103) |  |  | 9,895 |
Total revenues net of interest expense |  | 23,914 |  |  | 13,569 |  |  | 9,061 |  |  | 6,475 |  |  | (157) |  |  | 52,862 |
Provisions for credit losses |  | 1,021 |  |  | 565 |  |  | 584 |  |  | 7 |  |  | 5 |  |  | 2,182 |
Total revenues net of interest expense after provisions for credit losses |  | 22,893 |  |  | 13,004 |  |  | 8,477 |  |  | 6,468 |  |  | (162) |  |  | 50,680 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 10,791 |  |  | 6,116 |  |  | 3,816 |  |  | 1,192 |  |  | (11) |  |  | 21,904 |
Marketing |  | 2,744 |  |  | 1,122 |  |  | 1,146 |  |  | 419 |  |  | 27 |  |  | 5,458 |
Salaries and employee benefits and other operating expenses |  | 3,958 |  |  | 2,886 |  |  | 2,937 |  |  | 1,903 |  |  | 2,049 |  |  | 13,733 |
Total expenses |  | 17,493 |  |  | 10,124 |  |  | 7,899 |  |  | 3,514 |  |  | 2,065 |  |  | 41,095 |
Pretax income (loss) |  | $ | 5,400 |  |  | $ | 2,880 |  |  | $ | 578 |  |  | $ | 2,954 |  |  | $ | (2,227) |  |  | $ | 9,585 |
Total assets |  | $ | 94,444 |  |  | $ | 51,411 |  |  | $ | 36,891 |  |  | $ | 20,005 |  |  | $ | 25,603 |  |  | $ | 228,354 |
(a)Corporate & Other includes adjustments and eliminations for intersegment activity. (b)Includes discount revenue, certain service fees and other revenue and processed revenues from customers. (c)Card Member rewards, business development and Card Member services expenses are generally correlated to volumes or are variable based on usage.
Total revenues net of interest expense and pretax income | The following table presents our total revenues net of interest expense and pretax income (loss) from continuing operations in different geographic regions based, in part, upon internal allocations, which necessarily involve management’s judgment. TABLE 24.2: SUMMARY OF TOTAL REVENUE AND PRETAX INCOME BY REGION
(Millions) |  | United States |  | EMEA(a) |  | APAC(a) |  | LACC(a) |  | Other Unallocated(b) |  | Consolidated
2024 |  |  |  |  |  |  |  |  |  |  |  |
Total revenues net of interest expense |  | $ | 51,471 |  |  | $ | 6,216 |  |  | $ | 4,698 |  |  | $ | 3,845 |  |  | $ | (281) |  |  | $ | 65,949 |
Pretax income (loss) from continuing operations |  | 12,919 |  |  | 935 |  |  | 656 |  |  | 803 |  |  | (2,418) |  |  | 12,895 |
2023 |  |  |  |  |  |  |  |  |  |  |  |
Total revenues net of interest expense |  | $ | 47,140 |  |  | $ | 5,633 |  |  | $ | 4,372 |  |  | $ | 3,571 |  |  | $ | (201) |  |  | $ | 60,515 |
Pretax income (loss) from continuing operations |  | 10,717 |  |  | 854 |  |  | 592 |  |  | 760 |  |  | (2,410) |  |  | 10,513 |
2022 |  |  |  |  |  |  |  |  |  |  |  |
Total revenues net of interest expense |  | $ | 41,396 |  |  | $ | 4,871 |  |  | $ | 3,835 |  |  | $ | 2,917 |  |  | $ | (157) |  |  | $ | 52,862 |
Pretax income (loss) from continuing operations |  | 10,383 |  |  | 550 |  |  | 376 |  |  | 500 |  |  | (2,224) |  |  | 9,585 |
(a)EMEA represents Europe, the Middle East and Africa; APAC represents Asia Pacific, Australia and New Zealand; and LACC represents Latin America, Canada and the Caribbean. (b)Other Unallocated includes net costs which are not directly allocated to specific geographic regions, including costs related to the net negative interest spread on excess liquidity funding and executive office operations expenses.

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- Definition Tabular disclosure of the names of foreign countries from which revenue is material and the amount of revenue from external customers attributed to those countries. An entity may also provide subtotals of geographic information about groups of countries. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03(1)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 41 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-41 + Details
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