Other Liabilities (Tables)

12 Months Ended

Dec. 31, 2012

Other Liabilities, Unclassified [Abstract]

Summary of other liabilities

The following is a summary of other liabilities as of December 31:

(Millions)	2012		2011
Membership Rewards liability	$	5,832	$	5,066
Employee-related liabilities(a)		2,224		2,192
Rebate and reward accruals(b)		2,079		1,866
Deferred card fees, net		1,286		1,063
Book overdraft balances		532		2,178
Other(c)		5,604		4,792
Total	$	17,557	$	17,157

• Employee-related liabilities include employee benefit plan obligations and incentive compensation.
• Rebate and reward accruals include payments to third-party card-issuing partners and cash-back reward costs.
• Other includes accruals forgeneral operating expenses, client incentives,restructuring and reengineering reserves,advertising and promotion and derivatives.

Carrying amount of deferred charge card and other fees

The carrying amount of deferred card and other fees, net of deferred direct acquisition costs and reserves for membership cancellations as of December 31 were as follows:

(Millions)		2012		2011
Deferred card and other fees(a)		$	1,566	$	1,228
Deferred direct acquisition costs			(154)		(75)
Reserves for membership cancellations			(126)		(90)
Deferred card fees and other, net of direct
	acquisition costs and reserves	$	1,286	$	1,063

• Includes deferred fees for Membership Rewards program participants.