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Reportable Operating Segments | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Reportable Operating Segments | Reportable Operating Segments The following tables present certain selected financial information for our reportable operating segments and Corporate & Other as of or for the three and nine months ended September 30: Table 15.1: Selected Financial Information by Segment
Three Months Ended September 30, 2025 (Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
Total non-interest revenues |  | $ | 5,620 |  |  | $ | 3,441 |  |  | $ | 3,034 |  |  | $ | 1,782 |  |  | $ | 63 |  |  | $ | 13,940 |
Revenue from contracts with customers (b) |  | 3,925 |  |  | 2,986 |  |  | 1,928 |  |  | 1,586 |  |  | (10) |  |  | 10,415 |
Interest income |  | 4,025 |  |  | 1,302 |  |  | 652 |  |  | 9 |  |  | 629 |  |  | 6,617 |
Interest expense |  | 789 |  |  | 462 |  |  | 350 |  |  | (181) |  |  | 711 |  |  | 2,131 |
Net interest income |  | 3,236 |  |  | 840 |  |  | 302 |  |  | 190 |  |  | (82) |  |  | 4,486 |
Total revenues net of interest expense |  | 8,856 |  |  | 4,281 |  |  | 3,336 |  |  | 1,972 |  |  | (19) |  |  | 18,426 |
Provisions for credit losses |  | 734 |  |  | 332 |  |  | 218 |  |  | 5 |  |  | (2) |  |  | 1,287 |
Total revenues net of interest expense after provisions for credit losses |  | 8,122 |  |  | 3,949 |  |  | 3,118 |  |  | 1,967 |  |  | (17) |  |  | 17,139 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 4,145 |  |  | 1,730 |  |  | 1,512 |  |  | 298 |  |  | 11 |  |  | 7,696 |
Marketing |  | 825 |  |  | 313 |  |  | 350 |  |  | 105 |  |  | 6 |  |  | 1,599 |
Salaries and employee benefits and other operating expenses |  | 1,300 |  |  | 816 |  |  | 815 |  |  | 524 |  |  | 564 |  |  | 4,019 |
Total expenses |  | 6,270 |  |  | 2,859 |  |  | 2,677 |  |  | 927 |  |  | 581 |  |  | 13,314 |
Pretax income (loss) |  | $ | 1,852 |  |  | $ | 1,090 |  |  | $ | 441 |  |  | $ | 1,040 |  |  | $ | (598) |  |  | $ | 3,825 |
Total assets |  | $ | 115,330 |  |  | $ | 64,305 |  |  | $ | 47,253 |  |  | $ | 18,879 |  |  | $ | 51,783 |  |  | $ | 297,550 |
Nine Months Ended September 30, 2025 (Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
Total non-interest revenues |  | $ | 16,403 |  |  | $ | 10,128 |  |  | $ | 8,627 |  |  | $ | 5,200 |  |  | $ | 49 |  |  | $ | 40,407 |
Revenue from contracts with customers (b) |  | 11,462 |  |  | 8,789 |  |  | 5,492 |  |  | 4,645 |  |  | (26) |  |  | 30,362 |
Interest income |  | 11,583 |  |  | 3,744 |  |  | 1,868 |  |  | 31 |  |  | 1,790 |  |  | 19,016 |
Interest expense |  | 2,328 |  |  | 1,344 |  |  | 991 |  |  | (489) |  |  | 2,000 |  |  | 6,174 |
Net interest income |  | 9,255 |  |  | 2,400 |  |  | 877 |  |  | 520 |  |  | (210) |  |  | 12,842 |
Total revenues net of interest expense |  | 25,658 |  |  | 12,528 |  |  | 9,504 |  |  | 5,720 |  |  | (161) |  |  | 53,249 |
Provisions for credit losses |  | 2,194 |  |  | 1,021 |  |  | 620 |  |  | 8 |  |  | (1) |  |  | 3,842 |
Total revenues net of interest expense after provisions for credit losses |  | 23,464 |  |  | 11,507 |  |  | 8,884 |  |  | 5,712 |  |  | (160) |  |  | 49,407 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 11,994 |  |  | 5,266 |  |  | 4,276 |  |  | 869 |  |  | 34 |  |  | 22,439 |
Marketing |  | 2,390 |  |  | 981 |  |  | 972 |  |  | 277 |  |  | 20 |  |  | 4,640 |
Salaries and employee benefits and other operating expenses |  | 3,820 |  |  | 2,429 |  |  | 2,349 |  |  | 1,482 |  |  | 1,543 |  |  | 11,623 |
Total expenses |  | 18,204 |  |  | 8,676 |  |  | 7,597 |  |  | 2,628 |  |  | 1,597 |  |  | 38,702 |
Pretax income (loss) |  | $ | 5,260 |  |  | $ | 2,831 |  |  | $ | 1,287 |  |  | $ | 3,084 |  |  | $ | (1,757) |  |  | $ | 10,705 |
Three Months Ended September 30, 2024 (Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
Total non-interest revenues |  | $ | 5,028 |  |  | $ | 3,304 |  |  | $ | 2,659 |  |  | $ | 1,667 |  |  | $ | (28) |  |  | $ | 12,630 |
Revenue from contracts with customers (b) |  | 3,620 |  |  | 2,886 |  |  | 1,724 |  |  | 1,493 |  |  | (7) |  |  | 9,716 |
Interest income |  | 3,722 |  |  | 1,142 |  |  | 588 |  |  | 11 |  |  | 686 |  |  | 6,149 |
Interest expense |  | 806 |  |  | 448 |  |  | 311 |  |  | (169) |  |  | 747 |  |  | 2,143 |
Net interest income |  | 2,916 |  |  | 694 |  |  | 277 |  |  | 180 |  |  | (61) |  |  | 4,006 |
Total revenues net of interest expense |  | 7,944 |  |  | 3,998 |  |  | 2,936 |  |  | 1,847 |  |  | (89) |  |  | 16,636 |
Provisions for credit losses |  | 812 |  |  | 374 |  |  | 158 |  |  | 10 |  |  | 2 |  |  | 1,356 |
Total revenues net of interest expense after provisions for credit losses |  | 7,132 |  |  | 3,624 |  |  | 2,778 |  |  | 1,837 |  |  | (91) |  |  | 15,280 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 3,570 |  |  | 1,627 |  |  | 1,296 |  |  | 269 |  |  | 15 |  |  | 6,777 |
Marketing |  | 755 |  |  | 308 |  |  | 287 |  |  | 112 |  |  | 8 |  |  | 1,470 |
Salaries and employee benefits and other operating expenses |  | 1,148 |  |  | 781 |  |  | 740 |  |  | 465 |  |  | 695 |  |  | 3,829 |
Total expenses |  | 5,473 |  |  | 2,716 |  |  | 2,323 |  |  | 846 |  |  | 718 |  |  | 12,076 |
Pretax income (loss) |  | $ | 1,659 |  |  | $ | 908 |  |  | $ | 455 |  |  | $ | 991 |  |  | $ | (809) |  |  | $ | 3,204 |
Total assets |  | $ | 106,201 |  |  | $ | 59,716 |  |  | $ | 43,073 |  |  | $ | 17,739 |  |  | $ | 44,250 |  |  | $ | 270,979 |
Nine Months Ended September 30, 2024 (Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
Total non-interest revenues |  | $ | 14,823 |  |  | $ | 9,831 |  |  | $ | 7,644 |  |  | $ | 5,006 |  |  | $ | (39) |  |  | $ | 37,265 |
Revenue from contracts with customers (b) |  | 10,785 |  |  | 8,603 |  |  | 4,983 |  |  | 4,505 |  |  | (3) |  |  | 28,873 |
Interest income |  | 10,677 |  |  | 3,198 |  |  | 1,748 |  |  | 41 |  |  | 2,054 |  |  | 17,718 |
Interest expense |  | 2,325 |  |  | 1,292 |  |  | 921 |  |  | (543) |  |  | 2,218 |  |  | 6,213 |
Net interest income |  | 8,352 |  |  | 1,906 |  |  | 827 |  |  | 584 |  |  | (164) |  |  | 11,505 |
Total revenues net of interest expense |  | 23,175 |  |  | 11,737 |  |  | 8,471 |  |  | 5,590 |  |  | (203) |  |  | 48,770 |
Provisions for credit losses |  | 2,245 |  |  | 1,078 |  |  | 532 |  |  | 36 |  |  | 2 |  |  | 3,893 |
Total revenues net of interest expense after provisions for credit losses |  | 20,930 |  |  | 10,659 |  |  | 7,939 |  |  | 5,554 |  |  | (205) |  |  | 44,877 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 10,513 |  |  | 4,753 |  |  | 3,801 |  |  | 826 |  |  | 29 |  |  | 19,922 |
Marketing |  | 2,238 |  |  | 959 |  |  | 929 |  |  | 281 |  |  | 19 |  |  | 4,426 |
Salaries and employee benefits and other operating expenses |  | 3,347 |  |  | 2,256 |  |  | 2,212 |  |  | 902 |  |  | 1,673 |  |  | 10,390 |
Total expenses |  | 16,098 |  |  | 7,968 |  |  | 6,942 |  |  | 2,009 |  |  | 1,721 |  |  | 34,738 |
Pretax income (loss) |  | $ | 4,832 |  |  | $ | 2,691 |  |  | $ | 997 |  |  | $ | 3,545 |  |  | $ | (1,926) |  |  | $ | 10,139 |
(a)Corporate & Other includes adjustments and eliminations for intersegment activity. (b)Includes discount revenue and certain service fees and other revenue from customers. (c)Card Member rewards, business development and Card Member services expenses are generally correlated to volumes or are variable based on usage.

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name 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