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Reserves for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Key Variables in Macroeconomic Scenarios Utilized for Computation of Reserves for Credit Losses
The following table reflects the range of macroeconomic scenario key variables used, in conjunction with other inputs, to calculate reserves for credit losses:
U.S. Unemployment Rate
U.S. GDP Growth (Contraction) (a)
June 30, 2021December 31, 2020June 30, 2021December 31, 2020
Second quarter of 2021
6%
8% - 10%
11%
4% - (4)%
Fourth quarter of 2021
4% - 8%
7% - 11%
7% - (3)%
6% - (2)%
Fourth quarter of 2022
4% - 9%
6% - 12%
2%
4% - 3%
Fourth quarter of 2023
3% - 7%
4% -10%
3% - 2%
5% - 3%
(a)Real GDP quarter over quarter percentage change seasonally adjusted to annualized rates.
Card Member Loans  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Changes in Card Member Loans and Receivables
The following table presents changes in the Card Member loans reserve for credit losses for the three and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2021202020212020
Beginning Balance
$4,467 $5,236 $5,344 $4,027 
Provisions (a)
(396)969 (969)2,845 
Net write-offs (b)
Principal(185)(499)(426)(1,017)
Interest and fees(58)(103)(121)(210)
Other (c)
7 25 7 (17)
Ending Balance$3,835 $5,628 $3,835 $5,628 
(a)Provisions for principal, interest and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(b)Principal write-offs are presented less recoveries of $172 million and $134 million for the three months ended June 30, 2021 and 2020, respectively, and $340 million and $279 million for the six months ended June 30, 2021 and 2020, respectively. Recoveries of interest and fees were not significant. Amounts include net (write-offs) recoveries from TDRs of $(43) million and $(32) million for the three months June 30, 2021 and 2020, respectively, and $(88) million and $(63) million for the six months ended June 30, 2021 and 2020, respectively.
(c)Primarily includes foreign currency translation adjustments of $7 million and $25 million for the three months ended June 30, 2021 and 2020, respectively, and $6 million and $(17) million for the six months ended June 30, 2021 and 2020, respectively.
Card Member Receivables  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Changes in Card Member Loans and Receivables
The following table presents changes in the Card Member receivables reserve for credit losses for the three and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2021202020212020
Beginning Balance
$202 $459 $267 $126 
Provisions (a)
(125)355 (135)952 
Net write-offs (b)
(4)(299)(57)(557)
Other (c)
— 4 (2)(2)
Ending Balance$73 $519 $73 $519 
(a)Provisions for principal and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(b)Net write-offs are presented less recoveries of $127 million and $88 million for the three months ended June 30, 2021 and 2020, respectively, and $224 million and $180 million for the six months ended June 30, 2021 and 2020, respectively. Amounts include net (write-offs) recoveries from TDRs of $(16) million and $(9) million for the three months ended June 30, 2021 and 2020, respectively, and $(36) million and $(16) million for the six months ended June 30, 2021 and 2020, respectively.
(c)Primarily includes foreign currency translation adjustments of nil and $4 million for the three months ended June 30, 2021 and 2020, respectively, and $(1) million for both the six months ended June 30, 2021 and 2020.