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Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Non-interest revenues        
Discount revenue $ 4,772 $ 4,516 $ 14,106 $ 13,983
Net card fees 786 747 2,305 2,161
Other fees and commissions 767 694 2,232 2,076
Other 436 483 1,284 1,514
Total non-interest revenues 6,761 6,440 19,927 19,734
Interest income        
Interest on loans 2,129 1,690 5,936 5,446
Interest and dividends on investment securities 22 34 68 104
Deposits with banks and other 91 40 233 104
Total interest income 2,242 1,764 6,237 5,654
Interest expense        
Deposits 213 150 538 450
Long-term debt and other 354 280 994 841
Total interest expense 567 430 1,532 1,291
Net interest income 1,675 1,334 4,705 4,363
Total revenues net of interest expense 8,436 7,774 24,632 24,097
Provisions for losses        
Charge card 214 174 590 496
Card Member loans 531 319 1,272 831
Other 24 11 64 74
Total provisions for losses 769 504 1,926 1,401
Total revenues net of interest expense after provisions for losses 7,667 7,270 22,706 22,696
Expenses        
Marketing and promotion 814 930 2,344 2,445
Card Member Rewards 1,900 1,566 5,633 5,035
Card Member services and other 363 278 1,033 841
Salaries and employee benefits 1,265 1,263 3,822 4,052
Other, net 1,498 1,498 4,281 3,388
Total expenses 5,840 5,535 17,113 15,761
Pretax income 1,827 1,735 5,593 6,935
Income tax provision 471 593 1,660 2,352
Net income $ 1,356 $ 1,142 $ 3,933 $ 4,583
Earnings Per Common Share, Basic (Note 15) [Abstract]        
Net income attributable to common shareholders $ 1.51 [1] $ 1.21 [1] $ 4.32 [2] $ 4.77 [2]
Earnings Per Common Share, Diluted (Note 15) [Abstract]        
Net income attributable to common shareholders $ 1.5 [1] $ 1.2 [1] $ 4.3 [2] $ 4.76 [2]
Average common shares outstanding for earnings per common share:        
Basic 878 920 889 940
Diluted 881 923 892 943
Cash dividends declared per common share $ 0.35 $ 0.32 $ 0.99 $ 0.9
[1]

Represents net income less (i) earnings allocated to participating share awards of $ 11 million and $ 9 million for the three months ended September 30 , 2017 and 2016 , respectively, and (ii) dividends on preferred shares of $ 21 million for both the three months ended September 30 , 2017 and 2016 .

[2]

Represents net income less (i) earnings allocated to participating share awards of $ 32 million and $ 37 million for the nine months ended September 30 , 2017 and 2016 , respectively, and (ii) dividends on preferred shares of $ 61 million for both the nine months ended September 30 , 2017 and 2016 .