Consolidated Statements of Earnings - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest income:
Interest and fees on loans (Note 4)	$ 18,705	$ 17,644	$ 16,219
Interest and Dividend Income, Cash and Securities, Operating	385	344	188
Total interest income	19,090	17,988	16,407
Interest expense:
Interest on deposits	1,566	1,186	848
Interest on senior unsecured notes	367	340	280
Total interest expense	2,291	1,870	1,391
Net interest income	16,799	16,118	15,016
Retailer share arrangements	(3,858)	(3,099)	(2,937)
Provision for loan losses (Note 4)	4,180	5,545	5,296
Net interest income, after retailer share arrangements and provision for loan losses	8,761	7,474	6,783
Other income:
Interchange revenue	748	710	653
Debt cancellation fees	265	267	272
Loyalty programs	(743)	(751)	(704)
Other	101	39	67
Total other income	371	265	288
Other expense:
Employee costs	1,455	1,427	1,304
Professional fees	867	806	629
Marketing and business development	549	528	498
Information processing	485	426	373
Other	889	908	943
Total other expense	4,245	4,095	3,747
Earnings before benefit from income taxes	4,887	3,644	3,324
Provision for income taxes (Note 14)	1,140	854	1,389
Net earnings	3,747	2,790	1,935
Net earnings available to common stockholders	$ 3,747	$ 2,790	$ 1,935
Earnings per share
Basic (in usd per share)	$ 5.59	$ 3.76	$ 2.43
Diluted (in usd per share)	$ 5.56	$ 3.74	$ 2.42
Variable Interest Entity, Primary Beneficiary
Interest income:
Interest and fees on loans (Note 4)	$ 5,200	$ 5,000	$ 4,200
Interest expense:
Interest on borrowings of consolidated securitization entities	358	344	263
Provision for loan losses (Note 4)	$ 1,100	$ 1,500	$ 1,300