Card Profitability Current Trends (2025)
| Total Income | Operating Exp. | Charge-offs | Cost of Funds | Net Pre-tax Income |
| 19.94% | 6.75% | 4.05% | 4.09% | 5.05% |
Credit Card Industry Profits (ROA% 2025)
| Classic Cards | 4.90% (Lower lines, Higher APR’s) |
| Gold Cards | 5.05% (Higher lines, Lower APR’s) |
| Platinum Cards | 5.10% (Highest lines, Lowest APR’s) |
| Black Cards | 8.60% |