Card Profitability Current Trends (2023)
| Total Income | Operating Exp. | Charge-offs | Cost of Funds | Net Pre-tax Income |
| 18.55% | 7.00% | 3.31% | 4.02% | 4.22% |
Credit Card Industry Profits (ROA% 2023)
| Regular Cards | 4.18% (Lower lines, Higher APR’s) |
| Gold Cards | 4.22% (Higher lines, Lower APR’s) |
| Platinum Cards | 4.25% (Highest lines, Lowest APR’s) |
| Industry Average | 4.22% |