Card Profitability Current Trends (2020)
| Total Income | Operating Exp. | Charge-offs | Cost of Funds | Net Pre-tax Income |
| 17.60% | 7.00% | 6.20% | 2.30% | 2.10% |
Credit Card Industry Profits (ROA% 2020)
| Regular Cards | 2.00% (Lower lines, Higher APR’s) |
| Gold Cards | 2.10% (Higher lines, Lower APR’s) |
| Platinum Cards | 2.30% (Highest lines, Lowest APR’s) |
| Industry Average | 2.10% |