Reportable Operating Segments

3 Months Ended

Mar. 31, 2025

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 months ended March 31:

Table 15.1: Selected Financial Information by Segment

Three Months Ended March 31, 2025 (Millions)	USCS		CS		ICS		GMNS		Corporate & Other (a)		Consolidated
Total non-interest revenues	$	5,243	$	3,265	$	2,646	$	1,660	$	(16)	$	12,798
Revenue from contracts with customers (b)	3,634		2,828		1,688		1,485		(9)		9,626
Interest income	3,763		1,202		596		12		562		6,135
Interest expense	757		432		306		(143)		614		1,966
Net interest income	3,006		770		290		155		(52)		4,169
Total revenues net of interest expense	8,249		4,035		2,936		1,815		(68)		16,967
Provisions for credit losses	631		329		192		(2)		—		1,150
Total revenues net of interest expense after provisions for credit losses	7,618		3,706		2,744		1,817		(68)		15,817
Expenses
Card Member rewards, business development and Card Member services (c)	3,882		1,746		1,312		283		12		7,235
Marketing	765		337		300		76		8		1,486
Salaries and employee benefits and other operating expenses	1,239		787		751		468		521		3,766
Total expenses	5,886		2,870		2,363		827		541		12,487
Pretax income (loss)	$	1,732	$	836	$	381	$	990	$	(609)	$	3,330
Total assets	$	110,886	$	62,012	$	42,620	$	18,083	$	48,643	$	282,244

Three Months Ended March 31, 2024 (Millions)	USCS		CS		ICS		GMNS		Corporate & Other (a)		Consolidated
Total non-interest revenues	$	4,766	$	3,194	$	2,437	$	1,655	$	(20)	$	12,032
Revenue from contracts with customers (b)	3,469		2,795		1,590		1,495		(10)		9,339
Interest income	3,481		1,005		583		17		689		5,775
Interest expense	748		414		307		(198)		735		2,006
Net interest income	2,733		591		276		215		(46)		3,769
Total revenues net of interest expense	7,499		3,785		2,713		1,870		(66)		15,801
Provisions for credit losses	727		355		182		6		(1)		1,269
Total revenues net of interest expense after provisions for credit losses	6,772		3,430		2,531		1,864		(65)		14,532
Expenses
Card Member rewards, business development and Card Member services (c)	3,356		1,493		1,203		279		6		6,337
Marketing	719		326		352		73		6		1,476
Salaries and employee benefits and other operating expenses	1,084		733		724		495		538		3,574
Total expenses	5,159		2,552		2,279		847		550		11,387
Pretax income (loss)	$	1,613	$	878	$	252	$	1,017	$	(615)	$	3,145
Total assets	$	104,297	$	58,143	$	41,472	$	24,885	$	40,464	$	269,261

(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.