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Reserves for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 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)
June 30, 2023December 31, 2022June 30, 2023December 31, 2022
Second quarter of 2023
3%
3% - 7%
2%
5% - (7)%
Fourth quarter of 2023
3% - 6%
3% - 8%
4% - (3)%
6% - 0.2%
Fourth quarter of 2024
3% - 8%
3% - 7%
2% - 1%
3% - 2%
Fourth quarter of 2025
4% - 6%
3% - 6%
3% - 2%
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 and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2023202220232022
Beginning Balance
$4,053 $2,981 $3,747 $3,305 
Provisions (a)
923 272 1,709 161 
Net write-offs (b)
Principal(490)(192)(887)(357)
Interest and fees(107)(55)(196)(105)
Other (c)
11 (9)17 (7)
Ending Balance$4,390 $2,997 $4,390 $2,997 
(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 $130 million and $138 million for the three months ended June 30, 2023 and 2022, respectively, and $258 million and $283 million for the six months ended June 30, 2023 and 2022, respectively. Recoveries of interest and fees were not significant.
(c)Primarily includes foreign currency translation adjustments of $12 million and $(8) million for the three months ended June 30, 2023 and 2022, respectively, and $18 million and $(6) million for the six months ended June 30, 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 and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2023202220232022
Beginning Balance
$223 $76 $229 $64 
Provisions (a)
230 138 452 218 
Net write-offs (b)
(243)(95)(473)(162)
Other (c)
— — 2 (1)
Ending Balance$210 $119 $210 $119 
(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 $76 million and $67 million for the three months ended June 30, 2023 and 2022, respectively, and $145 million and $134 million for the six months ended June 30, 2023 and 2022, respectively.
(c)Primarily includes foreign currency translation adjustments.