v3.26.1
Reportable Operating Segments
 6 Months Ended
Jun. 30, 2026
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 six months ended June 30:
Table 14.1: Selected Financial Information by Segment
Three Months Ended June 30, 2026
(Millions)
USCSCSICSGMNSTotal Reportable Operating Segments
Corporate & Other (a)
Consolidated
Total non-interest revenues$6,229 $3,591 $3,261 $1,919 $15,000 $(11)$14,988 
Revenue from contracts with customers (b)
4,346 3,097 2,051 1,728 11,222 (10)11,212 
Interest income4,052 1,343 733 8 6,136 471 6,607 
Interest expense757 432 375 (169)1,395 564 1,958 
Net interest income
3,295 912 358 178 4,743 (93)4,649 
Total revenues net of interest expense9,524 4,503 3,619 2,096 19,742 (104)19,637 
Provisions for credit losses498 353 223 10 1,084 — 1,084 
Total revenues net of interest expense after provisions for credit losses9,025 4,149 3,396 2,086 18,656 (104)18,553 
Expenses
Card Member rewards, business development and Card Member services (c)
4,745 1,994 1,683 328 8,750 5 8,755 
Marketing813 379 352 100 1,644 7 1,650 
Salaries and employee benefits and other operating expenses1,403 806 884 530 3,623 453 4,077 
Total expenses6,961 3,179 2,919 958 14,017 465 14,482 
Pretax income (loss)$2,065 $970 $477 $1,128 $4,640 $(569)$4,071 
Total assets
$123,404 $65,567 $52,291 $19,401 $260,663 $47,540 $308,203 
Six Months Ended June 30, 2026
(Millions)
USCSCSICSGMNS
Total Reportable Operating Segments
Corporate & Other (a)
Consolidated
Total non-interest revenues$12,031 $6,999 $6,425 $3,743 $29,198 $4 $29,203 
Revenue from contracts with customers (b)
8,334 6,028 4,028 3,359 21,749 (20)21,729 
Interest income8,124 2,688 1,461 18 12,291 981 13,272 
Interest expense1,508 864 735 (339)2,768 1,162 3,931 
Net interest income
6,616 1,824 725 357 9,522 (181)9,341 
Total revenues net of interest expense18,647 8,823 7,150 4,100 38,720 (177)38,544 
Provisions for credit losses1,129 733 460 14 2,336 — 2,336 
Total revenues net of interest expense after provisions for credit losses17,518 8,091 6,690 4,086 36,385 (177)36,208 
Expenses
Card Member rewards, business development and Card Member services (c)
9,350 3,980 3,234 634 17,198 14 17,212 
Marketing1,577 690 684 165 3,116 14 3,130 
Salaries and employee benefits and other operating expenses2,770 1,635 1,514 1,044 6,963 1,055 8,017 
Total expenses13,697 6,305 5,432 1,843 27,277 1,083 28,359 
Pretax income (loss)$3,821 $1,786 $1,258 $2,243 $9,108 $(1,260)$7,849 
Three Months Ended June 30, 2025
(Millions)
USCSCSICSGMNS
Total Reportable Operating Segments
Corporate & Other (a)
Consolidated
Total non-interest revenues$5,540 $3,422 $2,947 $1,758 $13,667 $2 $13,669 
Revenue from contracts with customers (b)
3,903 2,975 1,876 1,574 10,328 (7)10,321 
Interest income3,795 1,240 620 10 5,665 599 6,264 
Interest expense782 450 335 (165)1,402 675 2,077 
Net interest income3,013 790 285 175 4,263 (76)4,187 
Total revenues net of interest expense8,553 4,212 3,232 1,933 17,930 (74)17,856 
Provisions for credit losses829 360 210 5 1,404 1 1,405 
Total revenues net of interest expense after provisions for credit losses7,724 3,852 3,022 1,928 16,526 (75)16,451 
Expenses
Card Member rewards, business development and Card Member services (c)
3,967 1,790 1,452 288 7,497 11 7,508 
Marketing800 331 322 96 1,549 6 1,555 
Salaries and employee benefits and other operating expenses1,281 826 783 490 3,380 458 3,838 
Total expenses6,048 2,947 2,557 874 12,426 475 12,901 
Pretax income (loss)$1,676 $905 $465 $1,054 $4,100 $(550)$3,550 
Total assets
$113,876 $62,152 $46,500 $18,324 $240,852 $54,704 $295,556 
Six Months Ended June 30, 2025
(Millions)
USCSCSICSGMNS
Total Reportable Operating Segments
Corporate & Other (a)
Consolidated
Total non-interest revenues$10,783 $6,687 $5,593 $3,418 $26,481 $(14)$26,467 
Revenue from contracts with customers (b)
7,537 5,803 3,564 3,059 19,963 (16)19,947 
Interest income7,558 2,442 1,216 22 11,238 1,161 12,399 
Interest expense1,539 882 641 (308)2,754 1,289 4,043 
Net interest income6,019 1,560 575 330 8,484 (128)8,356 
Total revenues net of interest expense16,802 8,247 6,168 3,748 34,965 (142)34,823 
Provisions for credit losses1,460 689 402 3 2,554 1 2,555 
Total revenues net of interest expense after provisions for credit losses15,342 7,558 5,766 3,745 32,411 (143)32,268 
Expenses
Card Member rewards, business development and Card Member services (c)
7,849 3,536 2,764 571 14,720 23 14,743 
Marketing1,565 668 622 172 3,027 14 3,041 
Salaries and employee benefits and other operating expenses2,520 1,613 1,534 958 6,625 979 7,604 
Total expenses11,934 5,817 4,920 1,701 24,372 1,016 25,388 
Pretax income (loss)$3,408 $1,741 $846 $2,044 $8,039 $(1,159)$6,880 
(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.