Reportable Operating Segments

9 Months Ended

Sep. 30, 2026

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 and nine months ended September 30:

Table 15.1: Selected Financial Information by Segment

Three Months Ended September 30, 2026 (Millions)	USCS		CS		ICS		GMNS		Total Reportable Operating Segments		Corporate & Other (a)		Consolidated
Total non-interest revenues	$	6,292	$	3,612	$	3,321	$	1,927	$	15,151	$	(30)	$	15,122
Revenue from contracts with customers (b)	4,336		3,106		2,072		1,729		11,242		(10)		11,232
Interest income	4,294		1,358		745		7		6,404		454		6,858
Interest expense	745		416		383		(147)		1,397		520		1,918
Net interest income	3,549		942		362		155		5,006		(66)		4,940
Total revenues net of interest expense	9,840		4,553		3,682		2,082		20,158		(96)		20,062
Provisions for credit losses	494		279		208		4		985		—		985
Total revenues net of interest expense after provisions for credit losses	9,346		4,274		3,474		2,078		19,173		(96)		19,077
Expenses
Card Member rewards, business development and Card Member services (c)	4,801		1,979		1,766		337		8,883		8		8,891
Marketing	848		405		394		113		1,760		10		1,770
Salaries and employee benefits and other operating expenses	1,402		860		883		546		3,692		193		3,885
Total expenses	7,052		3,245		3,042		996		14,335		211		14,546
Pretax income (loss)	$	2,295	$	1,029	$	432	$	1,082	$	4,838	$	(307)	$	4,531
Total assets	$	124,624	$	66,006	$	52,809	$	19,409	$	262,848	$	47,427	$	310,275
Nine Months Ended September 30, 2026 (Millions)	USCS		CS		ICS		GMNS		Total Reportable Operating Segments		Corporate & Other (a)		Consolidated
Total non-interest revenues	$	18,323	$	10,611	$	9,746	$	5,670	$	44,350	$	(25)	$	44,324
Revenue from contracts with customers (b)	12,670		9,134		6,099		5,088		32,992		(30)		32,962
Interest income	12,417		4,046		2,205		26		18,694		1,435		20,129
Interest expense	2,253		1,280		1,118		(486)		4,166		1,682		5,847
Net interest income	10,164		2,766		1,087		512		14,529		(247)		14,282
Total revenues net of interest expense	28,487		13,377		10,833		6,182		58,878		(272)		58,606
Provisions for credit losses	1,623		1,012		668		18		3,320		—		3,320
Total revenues net of interest expense after provisions for credit losses	26,864		12,365		10,165		6,164		55,558		(272)		55,286
Expenses
Card Member rewards, business development and Card Member services (c)	14,151		5,959		5,000		971		26,081		21		26,102
Marketing	2,425		1,095		1,078		278		4,876		24		4,900
Salaries and employee benefits and other operating expenses	4,172		2,495		2,397		1,590		10,654		1,249		11,904
Total expenses	20,748		9,549		8,474		2,839		41,611		1,294		42,906
Pretax income (loss)	$	6,116	$	2,815	$	1,690	$	3,325	$	13,947	$	(1,566)	$	12,380

Three Months Ended September 30, 2025 (Millions)	USCS		CS		ICS		GMNS		Total Reportable Operating Segments		Corporate & Other (a)		Consolidated
Total non-interest revenues	$	5,620	$	3,441	$	3,034	$	1,782	$	13,877	$	63	$	13,940
Revenue from contracts with customers (b)	3,925		2,986		1,928		1,586		10,425		(10)		10,415
Interest income	4,025		1,302		652		9		5,988		629		6,617
Interest expense	789		462		350		(181)		1,420		711		2,131
Net interest income	3,236		840		302		190		4,568		(82)		4,486
Total revenues net of interest expense	8,856		4,281		3,336		1,972		18,445		(19)		18,426
Provisions for credit losses	734		332		218		5		1,289		(2)		1,287
Total revenues net of interest expense after provisions for credit losses	8,122		3,949		3,118		1,967		17,156		(17)		17,139
Expenses
Card Member rewards, business development and Card Member services (c)	4,145		1,730		1,512		298		7,685		11		7,696
Marketing	825		313		350		105		1,593		6		1,599
Salaries and employee benefits and other operating expenses	1,300		816		815		524		3,455		564		4,019
Total expenses	6,270		2,859		2,677		927		12,733		581		13,314
Pretax income (loss)	$	1,852	$	1,090	$	441	$	1,040	$	4,423	$	(598)	$	3,825
Total assets	$	115,330	$	64,305	$	47,253	$	18,879	$	245,767	$	51,783	$	297,550
Nine Months Ended September 30, 2025 (Millions)	USCS		CS		ICS		GMNS		Total Reportable Operating Segments		Corporate & Other (a)		Consolidated
Total non-interest revenues	$	16,403	$	10,128	$	8,627	$	5,200	$	40,358	$	49	$	40,407
Revenue from contracts with customers (b)	11,462		8,789		5,492		4,645		30,388		(26)		30,362
Interest income	11,583		3,744		1,868		31		17,226		1,790		19,016
Interest expense	2,328		1,344		991		(489)		4,174		2,000		6,174
Net interest income	9,255		2,400		877		520		13,052		(210)		12,842
Total revenues net of interest expense	25,658		12,528		9,504		5,720		53,410		(161)		53,249
Provisions for credit losses	2,194		1,021		620		8		3,843		(1)		3,842
Total revenues net of interest expense after provisions for credit losses	23,464		11,507		8,884		5,712		49,567		(160)		49,407
Expenses
Card Member rewards, business development and Card Member services (c)	11,994		5,266		4,276		869		22,405		34		22,439
Marketing	2,390		981		972		277		4,620		20		4,640
Salaries and employee benefits and other operating expenses	3,820		2,429		2,349		1,482		10,080		1,543		11,623
Total expenses	18,204		8,676		7,597		2,628		37,105		1,597		38,702
Pretax income (loss)	$	5,260	$	2,831	$	1,287	$	3,084	$	12,462	$	(1,757)	$	10,705

(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.