Card Profitability Current Trends (2021)
| Total Income | Operating Exp. | Charge-offs | Cost of Funds | Net Pre-tax Income |
| 17.75% | 6.81% | 4.53% | 2.35% | 4.06% |
Credit Card Industry Profits (ROA% 2021)
| Regular Cards | 3.96% (Lower lines, Higher APR’s) |
| Gold Cards | 4.06% (Higher lines, Lower APR’s) |
| Platinum Cards | 4.16% (Highest lines, Lowest APR’s) |
| Industry Average | 4.06% |