Non-Interest Revenue and Expense Detail

6 Months Ended

Jun. 30, 2014

Other Income And Other Expense Disclosure [Abstract]

Details of Certain Consolidated Statements of Income Lines

14.Non-Interest Revenue and Expense Detail

The following is a detail of other commissions and fees:

			Three Months Ended				Six Months Ended
			June 30,				June 30,
(Millions)		2014		2013		2014		2013
Foreign currency conversion fee revenue		$	227	$	222	$	440	$	432
Delinquency fees			174		167		355		331
Loyalty Partner-related fees			95		72		186		147
Service fees			90		94		180		176
Other(a)			38		50		81		92
	Total other commissions and fees	$	624	$	605	$	1,242	$	1,178

• Other primarily includes fee revenue from fees related to MembershipRewards programs.

The following is a detail of other revenues:

		Three Months Ended				Six Months Ended
		June 30,				June 30,
(Millions)		2014		2013		2014		2013
Global Network Services partner revenues		$	181	$	151	$	339	$	295
Net realized gains and losses on investment securities			41		29		80		65
Other(a)			363		387		667		744
	Total other revenues	$	585	$	567	$	1,086	$	1,104

• Other includes revenues arising fromforeign exchange gains on cross-border Card Member spending, merchant-related fees, insurance premiums earned from Card Member travel and other insurance programs, Travelers Cheques-related revenues, and other miscellaneous revenue and fees.

The following is a detail of marketing, promotion, rewards, Card Member servicesand other:

		Three Months Ended				Six Months Ended
		June 30,				June 30,
(Millions)		2014		2013		2014		2013
Marketing and promotion		$	985	$	786	$	1,598	$	1,407
Card Member rewards			1,773		1,601		3,355		3,121
Card Member services and other			192		193		414		382
	Total marketing, promotion, rewards, Card Member services and other	$	2,950	$	2,580	$	5,367	$	4,910

Marketing and promotion expense includes advertising costs, which are expensed in the year in which the advertising first takes place. Card Member rewards expense includes the costs of rewards programs, including Membership Rewards and co-brand arrangements. Card Member services expense includes protection plans and complimentary services provided to Card Members.

The following is a detail of other, netexpenses:

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(Millions)	2014		2013		2014		2013
Professional services	$	817	$	763	$	1,509	$	1,479
Occupancy and equipment		467		460		929		932
Card-related fraud losses		102		75		186		156
Communications		101		92		194		188
Gain on business travel joint venture transaction		(626)		-		(626)		-
Other(a)		387		219		605		465
Total other, net	$	1,248	$	1,609	$	2,797	$	3,220

• Other expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations (other than the business travel joint venture transaction), litigation, certain internal and regulatory review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner-related expenses.