Consolidated Statements of Cash Flows - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities
Net income		$ 201	$ 418	$ 387
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for credit losses		242	230	249
Amortization of underwriting expense		13	19	25
Deferred taxes		(143)	13	(35)
Changes in operating assets and liabilities:
Interest, taxes and other amounts due to/from affiliates		(54)	(247)	(90)
Other operating assets and liabilities		340	344	405
Net cash provided by operating activities		599	777	941
Cash Flows from Investing Activities
Net decrease (increase) in Card Member receivables and Card Member loans	[1]	8,086	(1,226)	(4,984)
Net increase in loans to affiliates and other	[1],[2]	(68)	(1,128)	(67)
Net increase (decrease) in due to/from affiliates		2,729	(924)	978
Net cash provided by (used in) investing activities		10,747	(3,278)	(4,073)
Cash Flows from Financing Activities
Net (decrease) increase in short-term debt		(3,216)	2,390	(482)
Net increase (decrease) in short-term debt to affiliates		2,345	327	(97)
Proceeds from long-term debt		20	18	25
Principal payments of long-term debt		(6,620)	(7,170)	(3,672)
Proceeds from long-term debt to affiliates		8,030	33,559	11,812
Principal payments of long-term debt to affiliates	[1],[2]	(11,456)	(26,674)	(4,546)
Net cash (used in) provided by financing activities		(10,897)	2,450	3,040
Effect of foreign currency exchange rates on cash and cash equivalents		3	5	(9)
Net increase (decrease) in cash and cash equivalents		452	(46)	(101)
Cash and cash equivalents at beginning of period		149	195	296
Cash and cash equivalents at end of period		$ 601	$ 149	$ 195

[1] Primarily driven by removal of U.S. Consumer and Small Business Card Member receivables from the American Express Issuance Trust II (the Charge Trust) and replacement of the same with U.S. Corporate Card Member receivables by American Express Travel Related Services Company, Inc. (TRS) during the three months ended March 31, 2020. To effect this change, on January 7, 2020, Credco sold $5.2 billion of U.S. Corporate Card Member receivables to TRS. Settlement of this transaction was undertaken through borrowings from American Express Company.

[2] As a result of funding structure changes in the ordinary course of business, Credco terminated the intercompany loan agreement with American Express Limited and American Express International, Inc. and settled the related borrowings from American Express Company during the second quarter of 2019.