Card Profitability Current Trends (2024)
| Total Income | Operating Exp. | Charge-offs | Cost of Funds | Net Pre-tax Income |
| 19.25% | 6.90% | 4.10% | 4.00% | 4.25% |
Credit Card Industry Profits (ROA% 2024)
| Regular Cards | 4.20% (Lower lines, Higher APR’s) |
| Gold Cards | 4.25% (Higher lines, Lower APR’s) |
| Platinum Cards | 4.30% (Highest lines, Lowest APR’s) |
| Industry Average | 4.25% |