Capital One, National Association held $250.5 billion in credit card loans on June 30, 2026, the most of any FDIC-insured bank, and reported $6.23 billion in net card charge-offs for the first half of the year. JPMorgan Chase Bank was second with $216.2 billion, then Citibank ($176.0 billion), American Express National Bank ($113.4 billion), Bank of America ($105.7 billion) and Synchrony Bank ($90.8 billion).
26 banks reported more than $1 billion in card loans. Together they held $1,177 billion. The six largest held 81% of that.
Banks with more than $1 billion in credit card loans
| Rank | Bank | Card loans, June 30, 2026 | Card loans, June 30, 2025 | Net card charge-offs, Jan to Jun 2026 | Charge-offs as % of June loans |
|---|---|---|---|---|---|
| 1 | Capital One, N.A. | $250.5B | $245.8B | $6.23B | 2.49% |
| 2 | Jpmorgan Chase Bank, N.A. | $216.2B | $201.6B | $3.35B | 1.55% |
| 3 | Citibank, N.A. | $176.0B | $166.8B | $3.43B | 1.95% |
| 4 | American Express National Bank | $113.4B | $105.4B | $1.30B | 1.15% |
| 5 | Bank Of America, N.A. | $105.7B | $101.2B | $1.84B | 1.74% |
| 6 | Synchrony Bank | $90.8B | $88.4B | $2.41B | 2.66% |
| 7 | Wells Fargo Bank, N.A. | $58.4B | $55.3B | $1.20B | 2.06% |
| 8 | U.S. Bank N.A. | $32.9B | $30.0B | $0.60B | 1.83% |
| 9 | Barclays Bank Delaware | $28.2B | $32.3B | $0.68B | 2.39% |
| 10 | Goldman Sachs Bank USA | $19.5B | $20.8B | $0.00B | 0.00% |
| 11 | USAa Federal Savings Bank | $18.6B | $17.1B | $0.30B | 1.62% |
| 12 | Comenity Capital Bank | $11.1B | $10.6B | $0.43B | 3.85% |
| 13 | Td Bank USA, N.A. | $8.5B | $8.7B | $0.24B | 2.81% |
| 14 | First National Bank Of Omaha | $7.8B | $7.8B | $0.19B | 2.39% |
| 15 | Pnc Bank, N.A. | $6.3B | $5.6B | $0.09B | 1.45% |
| 16 | Comenity Bank | $6.3B | $6.4B | $0.21B | 3.27% |
| 17 | Merrick Bank | $6.3B | $6.0B | $0.42B | 6.66% |
| 18 | Td Bank, N.A. | $4.8B | $5.4B | $0.11B | 2.38% |
| 19 | Truist Bank | $3.2B | $3.3B | $0.08B | 2.56% |
| 20 | Stride Bank, N.A. | $2.9B | $1.8B | $0.00B | 0.00% |
| 21 | Credit One Bank, N.A. | $2.0B | $1.4B | $0.11B | 5.50% |
| 22 | Citizens Bank, N.A. | $1.9B | $1.9B | $0.04B | 2.26% |
| 23 | Fifth Third Bank, N.A. | $1.7B | $1.7B | $0.03B | 1.72% |
| 24 | Regions Bank | $1.5B | $1.4B | $0.03B | 2.07% |
| 25 | Banco Popular De Puerto Rico | $1.2B | $1.2B | $0.03B | 2.42% |
| 26 | The Huntington National Bank | $1.0B | n.a. | $0.02B | 2.01% |
Each row is one bank charter, not a holding company or card brand. A card issued under one brand can sit at a partner bank, and mergers can move balances between charters from one year to the next. The last column is first-half net charge-offs divided by June 30 balances, our rough calculation; it is not annualized and is not the official charge-off rate.
Credit card interest and fee income
Banks reported $88.63B in interest and fees on credit card loans in the first half of 2026, up 9.9% from $80.66B a year earlier. Capital One, N.A. reported the most, $20.98B, followed by JPMorgan Chase Bank, N.A. ($14.83B) and Citibank, N.A. ($12.86B). The six banks with the most card income took in 79% of the total. 708 banks reported some card interest or fee income.
Capital One's increase, from $14.79B to $20.98B, mostly reflects its purchase of Discover. Discover Bank merged into Capital One, N.A. on May 18, 2025, so under Call Report rules for acquisitions the 2025 figure generally includes Discover's card income only from that date to June 30, while the 2026 figure covers the full six months. Without Capital One, card income at all other banks rose 2.7%.
| Bank | Card interest and fees, Jan-Jun 2026 | Jan-Jun 2025 | Change | Share of all banks |
|---|---|---|---|---|
| Capital One, N.A. | $20.98B | $14.79B | +41.8% | 23.7% |
| JPMorgan Chase Bank, N.A. | $14.83B | $14.02B | +5.7% | 16.7% |
| Citibank, N.A. | $12.86B | $12.53B | +2.6% | 14.5% |
| American Express National Bank | $7.98B | $7.50B | +6.5% | 9.0% |
| Synchrony Bank | $7.84B | $7.82B | +0.2% | 8.8% |
| Bank of America, N.A. | $5.62B | $5.68B | -1.2% | 6.3% |
| Wells Fargo Bank, N.A. | $3.65B | $3.61B | +1.1% | 4.1% |
| Barclays Bank Delaware | $2.83B | $2.80B | +1.1% | 3.2% |
| U.S. Bank N.A. | $2.00B | $1.91B | +4.5% | 2.3% |
| Goldman Sachs Bank USA | $1.70B | $1.75B | -3.1% | 1.9% |
| Comenity Capital Bank | $1.38B | $1.33B | +4.2% | 1.6% |
| USAA Federal Savings Bank | $1.14B | $1.06B | +7.7% | 1.3% |
| TD Bank USA, N.A. | $1.01B | $1.06B | -4.4% | 1.1% |
| Comenity Bank | $0.87B | $0.88B | -1.1% | 1.0% |
| Merrick Bank | $0.74B | $0.59B | +24.4% | 0.8% |
| First National Bank of Omaha | $0.64B | $0.65B | -1.8% | 0.7% |
| PNC Bank, N.A. | $0.46B | $0.45B | +2.0% | 0.5% |
| TD Bank, N.A. | $0.31B | $0.36B | -12.9% | 0.4% |
| Credit One Bank, N.A. | $0.26B | $0.20B | +31.7% | 0.3% |
| Truist Bank | $0.21B | $0.21B | -3.7% | 0.2% |
Year-to-date amounts for January 1 to June 30, from each bank's Call Report. The item covers interest, finance charges and fees such as late fees on credit card loans to consumers. Annual and other periodic cardholder fees are reported elsewhere and are not included, and neither is interchange income from merchants. Changes and shares are our calculations. The CSV lists every bank that reported the item, in thousands of dollars.
What this counts
Credit card loans and net charge-offs come from the quarterly Consolidated Reports of Condition and Income (call reports) that insured banks file. Net charge-offs are balances written off as uncollectible, minus recoveries, from January 1 through June 30. A charged-off balance can still be sold or sent to collections. Our charge-off page looks at the largest issuers in more detail.
Source
Federal Deposit Insurance Corporation, BankFind Suite financial data API, report dates June 30, 2026 and June 30, 2025, fields LNCRCD (credit card loans) and NTCRCD (net charge-offs, credit cards), in thousands of dollars, pulled October 13, 2026. U.S. government data in the public domain. Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)". Card interest and fee income: Federal Financial Institutions Examination Council, Central Data Repository, bulk Call Report data for June 30, 2026 and June 30, 2025, Schedule RI item 1.a.(3)(a) (RIADB485), downloaded October 20, 2026.
Steven Reynolds, "The Largest Credit Card Banks," My Credit Guide, October 13, 2026, https://mycreditguide.org/data/largest-credit-card-banks/.
Related
- Credit card fees by issuer size
- Credit card payment rates at Capital One and Citi trusts
- Weekly credit card balances at U.S. banks
- Credit card delinquency at small vs. largest banks
- Bank failures by year
- Credit card late fees
- Loan write-offs at public card and consumer lenders
- Credit card APRs by issuer size
- Credit card charge-offs at large banks
- Credit card complaints
- Two credit card delinquency numbers
- Card reviews