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Reserves for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Key Variables in Macroeconomic Scenarios Utilized for Computation of Reserves for Credit Losses
The following table reflects the range of macroeconomic scenario key variables used, in conjunction with other inputs, to calculate reserves for credit losses:
U.S. Unemployment Rate
U.S. GDP Growth (Contraction) (a)
June 30, 2022December 31, 2021June 30, 2022December 31, 2021
Second quarter of 2022
4%
4% - 8%
4%
4% - (3)%
Fourth quarter of 2022
3% - 6%
4% - 9%
6% - (7)%
2% - 1%
Fourth quarter of 2023
3% - 8%
3% - 7%
3% - 1%
4% - 3%
Fourth quarter of 2024
3% - 6%
4% -6%
3% - 1%
3%
(a)Real GDP quarter over quarter percentage change seasonally adjusted to annualized rates.
Card Member Loans  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Changes in Card Member Loans and Receivables
The following table presents changes in the Card Member loans reserve for credit losses for the three and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2022202120222021
Beginning Balance
$2,981 $4,467 $3,305 $5,344 
Provisions (a)
272 (396)161 (969)
Net write-offs (b)
Principal(192)(185)(357)(426)
Interest and fees(55)(58)(105)(121)
Other (c)
(9)7 (7)7 
Ending Balance$2,997 $3,835 $2,997 $3,835 
(a)Provisions for principal, interest and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(b)Principal write-offs are presented less recoveries of $138 million and $172 million for the three months ended June 30, 2022 and 2021, respectively, and $283 million and $340 million for the six months ended June 30, 2022 and 2021, respectively. Recoveries of interest and fees were not significant. Amounts include net (write-offs) recoveries from TDRs of $(53) million and $(43) million for the three months ended June 30, 2022 and 2021, respectively, and $(108) million and $(88) million for the six months ended June 30, 2022 and 2021, respectively.
(c)Primarily includes foreign currency translation adjustments of $(8) million and $7 million for the three months ended June 30, 2022 and 2021, respectively, and $(6) million and $6 million for the six months ended June 30, 2022 and 2021, respectively.
Card Member Receivables  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Changes in Card Member Loans and Receivables
The following table presents changes in the Card Member receivables reserve for credit losses for the three and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2022202120222021
Beginning Balance
$76 $202 $64 $267 
Provisions (a)
138 (125)218 (135)
Net write-offs (b)
(95)(4)(162)(57)
Other (c)
— — (1)(2)
Ending Balance$119 $73 $119 $73 
(a)Provisions for principal and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(b)Net write-offs are presented less recoveries of $67 million and $127 million for the three months ended June 30, 2022 and 2021, respectively, and $134 million and $224 million for the six months ended June 30, 2022 and 2021, respectively. Amounts include net (write-offs) recoveries from TDRs of $(17) million and $(16) million for the three months ended June 30, 2022 and 2021, respectively, and $(29) million and $(36) million for the six months ended June 30, 2022 and 2021, respectively.
(c)Primarily includes foreign currency translation adjustments of nil for both the three months ended June 30, 2022 and 2021, and nil and $(1) million for the six months ended June 30, 2022 and 2021, respectively.