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Reserves for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2023
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)
March 31, 2023December 31, 2022March 31, 2023December 31, 2022
First quarter of 2023
3%
3% - 6%
(0.4)%
5% - (1)%
Fourth quarter of 2023
3% - 7%
3% - 8%
4% - (3)%
6% - 0.2%
Fourth quarter of 2024
3% - 7%
3% - 7%
3% - 2%
3% - 2%
Fourth quarter of 2025
3% - 6%
3% - 6%
3%
4% - 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 months ended March 31:
Three Months Ended March 31,
(Millions)20232022
Beginning Balance
$3,747 $3,305 
Provisions (a)
786 (111)
Net write-offs (b)
Principal(397)(165)
Interest and fees(89)(50)
Other (c)
6 2 
Ending Balance$4,053 $2,981 
(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 $128 million and $144 million for the three months ended March 31, 2023 and 2022, respectively. Recoveries of interest and fees were not significant.
(c)Primarily includes foreign currency translation adjustments of $6 million and $2 million for the three months ended March 31, 2023 and 2022, 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 months ended March 31:
Three Months Ended March 31,
(Millions)20232022
Beginning Balance
$229 $64 
Provisions (a)
222 80 
Net write-offs (b)
(230)(67)
Other (c)
2 (1)
Ending Balance$223 $76 
(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 $69 million and $67 million for the three months ended March 31, 2023 and 2022, respectively.
(c)Primarily includes foreign currency translation adjustments of $2 million and nil for the three months ended March 31, 2023 and 2022, respectively.