American Express (AXP) 10-Q 23 Apr 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2019	Apr. 15, 2019
Document and Entity Information [Abstract]
Entity Registrant Name	AMERICAN EXPRESS COMPANY
Trading Symbol	AXP
Entity Central Index Key	0000004962
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		835,080,540
Entity Emerging Growth Company	false
Entity Small Business	false

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
Non-interest revenues
Other		$ 363	$ 377
Total non-interest revenues		8,305	7,877
Interest income
Interest on loans		2,725	2,326
Interest and dividends on investment securities		33	21
Deposits with banks and other		196	115
Total interest income		2,954	2,462
Interest expense
Deposits		399	270
Long-term debt and other		496	351
Total interest expense		895	621
Net interest income		2,059	1,841
Total revenues net of interest expense		10,364	9,718
Provisions for losses
Charge card		253	242
Card Member loans provisions		525	499
Other		31	34
Total provisions for losses		809	775
Total revenues net of interest expense after provisions for losses		9,555	8,943
Expenses
Marketing and business development		1,573	1,345
Card Member rewards		2,451	2,347
Card Member services		550	409
Salaries and employee benefits		1,422	1,326
Other, net		1,601	1,434
Total expenses		7,597	6,861
Pretax income		1,958	2,082
Income tax provision		408	448
Net income		$ 1,550	$ 1,634
Earnings Per Common Share, Basic (Note 15) [Abstract]
Net income attributable to common shareholders	[1]	$ 1.81	$ 1.86
Earnings Per Common Share, Diluted (Note 15) [Abstract]
Net income attributable to common shareholders	[1]	$ 1.8	$ 1.86
Average common shares outstanding for earnings per common share:
Basic		841	859
Diluted		843	861
Cash dividends declared per common share		$ 0.39	$ 0.35
Discount Revenue
Non-interest revenues
Revenues and Fees		$ 6,195	$ 5,889
Net Card Fees
Non-interest revenues
Revenues and Fees		944	830
Other Fees and Commissions
Non-interest revenues
Revenues and Fees		$ 803	$ 781
[1]	Represents net income less (i) earnings allocated to participating share awards of $ 11 million and $ 13 million for the three months ended March 31 , 2019 and 2018 , respectively, and (ii) dividends on preferred shares of $ 21 million for both the three months ended March 31 , 2019 and 2018 .

Consolidated Statements of In_2

Consolidated Statements of Income (Parenthetical) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Consolidated Statements of Income [Abstract]
Earnings allocated to participating share awards	$ 11	$ 13
Dividends Preferred Stock	$ 21	$ 21

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 1,550	$ 1,634
Other comprehensive income (loss):
Net unrealized securities (losses) gains, net of tax	17	(11)
Foreign currency translation adjustments, net of tax	8	30
Net unrealized Pension and other postretirement benefits, net of tax	(27)	28
Other comprehensive income (loss)	(2)	47
Comprehensive income	$ 1,548	$ 1,681

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Cash and cash equivalents
Cash and due from banks	$ 4,026	$ 3,253
Interest-bearing deposits in other banks (includes securities purchased under resale agreements)	29,110	24,026
Short-term investment securities	41	166
Total cash and cash equivalents	33,177	27,445
Accounts receivable
Card Member receivables (includes gross receivables available to settle obligations of consolidated variable interest entity), less reserves	56,227	55,320
Other receivables, less reserves	3,128	2,907
Loans
Card Member loans (includes gross loans available to settle obligations of consolidated variable interest entity), less reserves	78,874	79,720
Other loans, less reserves	3,965	3,676
Investment securities	6,457	4,647
Premises and equipment, less accumulated depreciation and amortization	4,479	4,416
Other assets (includes restricted cash of consolidated variable interest entities)	10,886	10,471
Total assets	197,193	188,602
Liabilities
Customer deposits	72,857	69,960
Travelers Cheques and other prepaid products	2,223	2,295
Accounts payable	16,162	12,255
Short-term borrowings (includes debt issued by consolidated variable interest entity)	2,028	3,100
Long-term debt (includes debt issued by consolidated variable interest entities)	58,418	58,423
Other liabilities	23,287	20,279
Total liabilities	174,975	166,312
Shareholders' Equity
Preferred shares	0	0
Common shares	168	170
Additional paid-in capital	11,963	12,218
Retained earnings	12,686	12,499
Accumulated other comprehensive (loss) income
Net unrealized debt securities gains (losses), net of tax	9	(8)
Foreign currency translation adjustments, net of tax	(2,125)	(2,133)
Net unrealized pension and other postretirement benefits, net of tax	(483)	(456)
Total accumulated other comprehensive loss	(2,599)	(2,597)
Total shareholders' equity	22,218	22,290
Total liabilities and shareholders' equity	$ 197,193	$ 188,602

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Card Member receivables, gross	$ 56,835	$ 55,893
Card Member loans	80,995	81,854
Other assets	10,886	10,471
Cash and cash equivalents
Securities purchased under resale agreements	308	64
Accounts receivable
Card Member receivables, reserves	608	573
Other receivables, reserves	25	25
Loans
Card Member loans, reserves	2,121	2,134
Other loans, reserves	129	124
Accumulated depreciation and amortization	6,315	6,015
Restricted cash included in Other assets per Consolidated Balance Sheets	454	363
Short Term Borrowings	2,028	3,100
Long-term Debt	$ 58,418	$ 58,423
Common shares, par value	$ 0.2	$ 0.2
Common shares, authorized	3,600,000,000	3,600,000,000
Common shares, issued	837,000,000	847,000,000
Common shares, outstanding	837,000,000	847,000,000
Preferred shares, authorized	20,000,000	20,000,000
Preferred shares, issued	1,600	1,600
Preferred shares, outstanding	1,600	1,600
Preferred shares, par value	$ 1.667	$ 1.667
Accumulated other comprehensive (loss) income
Net unrealized securities gains, tax	$ 3	$ (1)
Foreign currency translation adjustments, tax	(336)	(300)
Net unrealized pension and other postretirement benefits, tax	(181)	(170)
Variable Interest Entity
Card Member receivables, gross	7,758	8,539
Card Member loans	31,495	33,194
Loans
Restricted cash included in Other assets per Consolidated Balance Sheets	84	70
Long-term Debt	$ 19,538	$ 19,509

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
Cash Flows from Operating Activities
Net income		$ 1,550	$ 1,634
Adjustments to reconcile income from continuing operations to net cash provided by operating activities:
Provisions for losses		809	775
Depreciation and amortization		297	348
Deferred taxes and other		137	(254)
Stock-based compensation		85	84
Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:
Other receivables		(196)	122
Other assets		(161)	(85)
Accounts payable and other liabilities		6,100	(431)
Travelers Cheques and other prepaid products		(74)	(130)
Net cash provided by operating activities		8,547	2,063
Cash Flows from Investing Activities
Maturities and redemptions of investment securities		2,227	886
Purchase of investments		(4,060)	(1,215)
Net (increase) decrease in Card Member receivables and loans	[1]	(656)	348
Purchase of premises and equipment, net of sales		(348)	(237)
Acquisitions/Dispositions, net of cash acquired		(20)	(475)
Other investing activities, net		148	0
Net cash (used in) provided by investing activities		(2,709)	(693)
Cash Flows from Financing Activities
Net increase (decrease) in customer deposits		2,892	2,206
Net decrease in short-term borrowings		(1,099)	(1,489)
Proceeds from long-term borrowings		3,633	3,984
Payments of long-term borrowings		(3,821)	(7,203)
Issuance of American Express common shares		19	11
Repurchase of American Express common shares and other		(1,352)	(134)
Dividends paid		(355)	(324)
Net cash provided by (used in) financing activities		(83)	(2,949)
Effect of foreign currency exchange rates on cash, cash equivalents and restricted cash		68	(178)
Net (decrease) increase in cash, cash equivalents and restricted cash		5,823	(1,757)
Cash, cash equivalents and restricted cash at beginning of period		27,808	33,263
Cash, cash equivalents and restricted cash at end of period		$ 33,631	$ 31,506
[1]	Refer to Note 2 for additional information.

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Consolidated Statements of Cash Flows [Abstract]
Cash and cash equivalents per Consolidated Balance Sheets	$ 33,177	$ 27,445	$ 31,092	$ 32,927
Restricted cash included in Other assets per Consolidated Balance Sheets	454	363	414	336
Total Cash, cash equivalents and restricted cash	$ 33,631	$ 27,808	$ 31,506	$ 33,263

Consolidated Statements of Ca_3

Consolidated Statements of Cash Flows (Parenthetical 1) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Consolidated Statements of Cash Flows [Abstract]
Sale of premises and equipment	$ 33	$ 0

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($) $ in Millions	Total	Series C Preferred Stock [Member]	Preferred shares	Common shares	Additional Paid In Capital [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]	Retained Earnings [Member]Series C Preferred Stock [Member]
Beginning Balance at Dec. 31, 2017	$ 18,261		$ 0	$ 172	$ 12,210	$ (2,428)	$ 8,307
Net income	1,634		0	0	0	0	1,634
Other comprehensive income (loss)	47		0	0	0	47	0
Repurchase of common shares	0		0	0	0	0	0
Other changes, primarily employee plans	(7)		0	0	15	0	(22)
Cash dividends declared preferred		$ (21)	0	0	0	0		$ (21)
Cash dividends declared common	(301)		0	0	0	0	(301)
Ending Balance at Mar. 31, 2018	19,613		0	172	12,225	(2,381)	9,597
Beginning Balance at Dec. 31, 2018	22,290		0	170	12,218	(2,597)	12,499
Net income	1,550		0	0	0	0	1,550
Other comprehensive income (loss)	(2)		0	0	0	(2)	0
Repurchase of common shares	(1,245)		0	(3)	(267)	0	(975)
Other changes, primarily employee plans	(27)		0	1	12	0	(40)
Cash dividends declared preferred		$ (21)	0	0	0	0		$ (21)
Cash dividends declared common	(327)		0	0	0	0	(327)
Ending Balance at Mar. 31, 2019	$ 22,218		$ 0	$ 168	$ 11,963	$ (2,599)	$ 12,686

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash dividends declared
Common stock, dividend per share	$ 0.39	$ 0.35
Series C Preferred Stock [Member]
Cash dividends declared
Preferred stock, dividend per share	$ 24.5	$ 24.5

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2019
Disclosure Text Block [Abstract]
Basis of Presentation	1 . Basis of Presentation The Company We are a globally integrated payments company that provides customers with access to products, insights and experiences that enrich lives and build business success. Our principal products and services are charge and credit card products and travel-related services offered to consumers and businesses around the world. Business travel-related services are offered through the non-consolidated joint venture, American Express Global Business Travel (the GBT JV). Our various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are sold through various channels, including mobile and online a pplications, direct mail, in-house sales teams, third-party vendors and direct response advertising . The accompanying Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ende d December 31, 2018 (the 2018 Form 10-K). If not materi ally different, certain note disclosures included therein have been omitted from these Consolidated Financial Statements . The interim consolidated financial informatio n in this report has not been audited. In the opinion of management, all adjustments, which consist of normal recurring adjustments necessary for a fair statement of the interim period consolidated financial information, have been made. Results of operatio ns reported for interim periods are not necessarily indicative of results for the entire year. The preparation of Consolidated Financial Statements in conformity with accounting principles generally accepted in the United States of America (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses, and the disclosures of contingent assets and liabilities. These accounting estimates reflect the best judgment of management, but actual results could differ. Certain reclassifications of prior period amounts have been made to conform to t he current period presentation. Recently Issued Accounting Standards In June 2016, the Financial Accounting Standards Board ( FASB ) issued new accounting guidance for the recognition of credit losses on financial instrume nts, effective January 1, 2020. The guidance introduces a new credit reserving model known as the Current Expected Credit Loss (CECL) model, which is based on expecte d losses, and differs significantly from the incurred loss approach used today. The CECL model requires measurement of expected credit losses not only based on historical experience and current conditions, but also by including reasonable and supportable f orecasts incorporating forward-looking information. In addition, for available-for-sale debt securities, the new guidance replaces the other-than-temporary impairment model, and requires the recognition of an allowance for reductions in a security’s fair v alue attributable to declines in credit quality, instead of a direct write-down of the security, when a valuation decline is determined to be other-than-temporary. The guidance also requires a cumulative-effect adjustment to retained earnings as of the beg inning of the reporting period of adoption. We continue to evaluate the impact the new guidance will have on our financial position, res ults of operations and regulatory risk-based capital. T he CECL model will alter the assumptions used in estimating credi t losses on Card Member loans and receivables, and we may have material changes to our credit reserves as the new guidance involves earlier recognition of expected losses for the life of the assets. However, the extent of the impact will depend on the char acteristics of our loan portfolio, macroeconomic conditions and forecasted information at the date of adoption. We continue to drive our cross-functional implementation efforts and have substantially completed development of CECL models. Continuing throug h 2019 , we are validating and analyzing model output during CECL parallel runs , and develop ing the business processes , policies and controls that satisfy the requirements of the new standard . Recently Adopted Accounting Standards In February 2016, the FASB issued new accounting guidance on leases. The accounting standard, effective January 1, 2019, requires virtually all leases to be recognized on the Consolidated Balance Sheets. Effective January 1, 2019, we adopted the standard using the modified retrosp ective method, under which we elected the package of practical expedients and transition provisions allowing us to bring our existing operating leases onto the Consolidated Balance Sheet without adjusting comparative periods. Under the guidance we have als o elected not to separate lease and non-lease components in recognition of the lease-related assets and liabilities, as well as the related lease expense. We have operating leases for facilities and equipment, which are recorded as assets and liabilities for those leases with terms greater than 12 months. Lease-related assets, or right-of-use assets, are recognized at the lease commencement date at amounts equal to the respective lease liabilities, adjusted for prepaid lease payments, initial direct costs , and lease incentives received. Lease-related liabilities are recognized at the present value of the remaining contractual fixed lease payments, discounted using our incremental borrowing rate. Operating lease expense is recognized on a straight-line basi s over the lease term, while variable lease payments are expensed as incurred. Upon adoption of the standard, we recorded approximately $700 million of right of use assets and lease-related liabilities, included in Other assets and Other liabilities, respectively. In conjunction with the adoption, we upgraded our lease administration software and updated our business processes and internal controls in support of the new guidance. In February 2018, as a result of the enactment of the Tax Cuts and Jobs Act (the Tax Act), the FASB issued new accounting guidance on the reclassification of certain tax effects from accumulated other comprehensive income ( AOCI ) to retained earnings. We adopted the new guidance effective January 1, 2019 and did not elect the optional reclassification.

Business Events

Business Events	3 Months Ended
	Mar. 31, 2019
Business Combination Disclosure [Abstract]
Divestitures	2 . Business Events During the first quarter of 2018, we acquired the portion of the Hilton Worldwide Holdings Inc. cobrand credit card loan portfolio that we did not previously own (the acquired Hilton portfolio). The acquired Hilton portfolio had an outstanding principal and interest balance of approximately $ 1 b illion at acquisition. None of the credit card loans acquired were considered purchased credit impaired at acquisition date. The cash outflows related to this acquisition are reported within the investing section of the Consolidated Statements of Cash Flows primarily as an increase in Card Member receivables and loans.

Loans and Accounts Receivable

Loans and Accounts Receivable	3 Months Ended
	Mar. 31, 2019
Loans Notes Trade And Other Receivables Disclosure [Abstract]
Loans and Accounts Receivable	3 . Loans and Accounts Receivable Our lending and charge payment card products result in the generation of Card Member loans and Card Member receivables, respectively. Card Member loans by segment and Other loans as of March 31 , 2019 and December 31, 2018 consisted of: (Millions) 2019 2018 Global Consumer Services Group (a) $ 67,938 $ 69,458 Global Commercial Services 13,057 12,396 Card Member loans 80,995 81,854 Less: Reserve for losses 2,121 2,134 Card Member loans, net $ 78,874 $ 79,720 Other loans, net (b) $ 3,965 $ 3,676 Includes approximately $ 31.5 billion and $ 33.2 billion of gross Card Member loans available to settle obligations of a consolidated variable interest entity (VIE) as of March 31 , 2019 and December 31, 2018 , respectively. Other loans primarily represent consumer and commercial non-card financing products. Other loans are presented net of reserves for losses of $ 129 million and $ 124 million as of March 31 , 2019 and December 31, 2018 , respectively. Card Member accounts receivable by segment and Other receivables as of March 31 , 2019 and December 31, 2018 consisted of: (Millions) 2019 2018 Global Consumer Services Group (a) $ 19,929 $ 21,455 Global Commercial Services 36,906 34,438 Card Member receivables 56,835 55,893 Less: Reserve for losses 608 573 Card Member receivables, net $ 56,227 $ 55,320 Other receivables, net (b) $ 3,128 $ 2,907 Includes $ 7.8 billion and $ 8.5 billion of gross Card Member receivables available to settle obligations of a consolidated VIE as of March 31 , 2019 and December 31, 2018 , respectively. Other receivables primarily r epresent amounts related to (i) Global Network Services partner s for items such as royalty and franchise fees, (ii) tax-related receivables, (iii) certain merchants for billed discount revenue, and ( iv ) loyalty coalition partners for points issued, as well as program participation a nd servicing fees. Other receivables are presented net of r eserves fo r losses of $ 25 million as of both March 31 , 2019 and De cember 31, 2018 . Card Member Loans and Card Member Receivables Aging Generally, a Card Member account is considered past due if payment is not received within 30 days after the billing statement date. The following table presents the aging of Card Member loans and receivables as of March 31 , 2019 and December 31, 2018 : 2019 (Millions) Current 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Card Member Loans: Global Consumer Services Group $ 66,916 $ 286 $ 216 $ 520 $ 67,938 Global Commercial Services Global Small Business Services 12,824 53 38 76 12,991 Global Corporate Payments (a) (b) (b) (b) ― 66 Card Member Receivables: Global Consumer Services Group 19,667 85 58 119 19,929 Global Commercial Services Global Small Business Services $ 17,061 $ 105 $ 62 $ 119 $ 17,347 Global Corporate Payments (a) (b) (b) (b) $ 125 $ 19,559 2018 (Millions) Current 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Card Member Loans: Global Consumer Services Group $ 68,442 $ 290 $ 220 $ 506 $ 69,458 Global Commercial Services Global Small Business Services 12,195 51 32 73 12,351 Global Corporate Payments (a) (b) (b) (b) ― 45 Card Member Receivables: Global Consumer Services Group 21,207 80 50 118 21,455 Global Commercial Services Global Small Business Services $ 16,460 $ 101 $ 53 $ 114 $ 16,728 Global Corporate Payments (a) (b) (b) (b) $ 129 $ 17,710 For Global Corporate Payments Card Member loans and receivables in Global Commercial Services ( GCS ) , delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement d ate. In addition, if we initiate collection procedures on an account prior to the account becoming 90 days pas t billing, the associated Card Member loan or receivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes. See also (b). Delinquency data for periods other than 90 + days past billin g is not available due to system constraints. Therefore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. Credit Quality Indicators for Card Member Loans and Receivables The following tables present the key credit quality indicators as of or for the three months ended March 31 : 2019 2018 Net Write-Off Rate Net Write-Off Rate Principal Only (a) Principal, Interest & Fees (a) 30+ Days Past Due as a % of Total Principal Only (a) Principal, Interest & Fees (a) 30+ Days Past Due as a % of Total Card Member Loans: Global Consumer Services Group 2.3 % 2.8 % 1.5 % 2.0 % 2.4 % 1.4 % Global Small Business Services 1.8 % 2.1 % 1.3 % 1.6 % 1.9 % 1.3 % Card Member Receivables: Global Consumer Services Group 1.7 % 1.9 % 1.3 % 1.6 % 1.7 % 1.4 % Global Small Business Services 1.9 % 2.1 % 1.6 % 1.7 % 1.9 % 1.8 % 2019 2018 Net Loss Ratio as a % of Charge Volume 90+ Days Past Billing as a % of Receivables Net Loss Ratio as a % of Charge Volume 90+ Days Past Billing as a % of Receivables Card Member Receivables: Global Corporate Payments 0.08 % 0.6 % 0.10 % 0.8 % We present a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry convention. In addition, because we consider uncollectible intere st and/or fees in estimating our reserves for credit losses, a net write-off rate including principal, interest and/or fees is also presented. Impaired Card Member Loans and Receivables Impaired Card Member loans and receivables are individual larger balance or homogeneous pools of smal ler balance loans and receivables for which it is probable that we will be unable to collect all amounts due according to the original contractual terms of the Card Member agreement. In certain cases, these Card Member loans and receivables are in cluded in one of our various Troubled Debt Restructuring (TDR) modification programs. Impaired Card Member loans and receivables outside the U.S. are not significant as of March 31, 2019 and December 31, 2018 ; therefore, such loans and receivables are not included in the following tables unless otherwise noted. The following tables provide additional informati on with respect to our impaired Card Member loans and receivables as of March 31 , 2019 and December 31, 2018 : As of March 31, 2019 Accounts Classified as a TDR (c) 2019 (Millions) Over 90 days Past Due & Accruing Interest (a) Non-Accruals (b) In Program (d) Out of Program (e) Total Impaired Balance Unpaid Principal Balance Allowance for TDRs Card Member Loans: Global Consumer Services Group (f) $ 348 $ 250 $ 354 $ 137 $ 1,089 $ 972 $ 93 Global Commercial Services 43 49 67 30 189 176 15 Card Member Receivables: Global Consumer Services Group ― ― 35 12 47 47 3 Global Commercial Services ― ― 70 28 98 97 4 Total $ 391 $ 299 $ 526 $ 207 $ 1,423 $ 1,292 $ 115 As of December 31, 2018 Accounts Classified as a TDR (c) 2018 (Millions) Over 90 days Past Due & Accruing Interest (a) Non-Accruals (b) In Program (d) Out of Program (e) Total Impaired Balance Unpaid Principal Balance Allowance for TDRs Card Member Loans: Global Consumer Services Group (f) $ 344 $ 236 $ 313 $ 131 $ 1,024 $ 923 $ 80 Global Commercial Services 43 43 59 29 174 161 14 Card Member Receivables: Global Consumer Services Group ― ― 29 13 42 42 2 Global Commercial Services ― ― 61 25 86 86 5 Total $ 387 $ 279 $ 462 $ 198 $ 1,326 $ 1,212 $ 101 Our policy is generally to accrue interest through the date of write-off (typically 180 days past due). We establish reserves for interest that we believe will not be collected. Amounts presented exclude Card Member loans classified as a TDR. Non-accrual loans not in modification programs primarily include certain Card Member loans placed with outside collection ag encies for which we have ceased accruing interest. Amounts presented exclude Card Member loans classified as a TDR. Accounts classified as a T DR include $ 20 million and $ 17 million that are over 90 days past due and accruing interest and $ 12 million and $ 6 mill ion that are non-accruals as of March 31 , 2019 and December 31, 2018 , respectively . In Progr am TDRs include Card Member accounts that are currently enrolled in a modification program. Out of Program TDRs include $156 million and $ 148 million of Card Member accounts that have successfully completed a modification progr am and $51 million and $50 m illion of Card Member accounts that were not in compliance with the terms of the modification programs as of March 31 , 2019 and December 31, 2018 , respectively . G lobal Consumer Services Group (G CSG ) includes balances outside the U.S . of $77 milli on and $69 million that are over 90 days and accruing interest and $64 million and $68 millio n in unpaid principal as of March 31, 2019 and December 31, 2018, respectively. The following table provides information with respect to our average balances and in terest income recognized from i mpaired Card Member loans and the average balances of impaired Card Member receivables for the three months ended March 31: 2019 2018 Interest Interest Average Income Average Income (Millions) Balance Recognized Balance Recognized Card Member Loans: Global Consumer Services Group $ 1,057 $ 31 $ 801 $ 26 Global Commercial Services 181 6 136 5 Card Member Receivables: Global Consumer Services Group 45 ― 27 ― Global Commercial Services 92 ― 63 ― Total $ 1,375 $ 37 $ 1,027 $ 31 Card Member Loans and Receivables Modified as TDRs The following table provides additional information with respect to Card Member loans and receivables mo dified as TDRs for the three months ended March 31 , 2019 and 2018 . Three Months Ended March 31, 2019 Number of Outstanding Average Interest Average Payment Accounts Balances (a) Rate Reduction Term Extensions (in thousands) ($ in millions) (% Points) (# of Months) Troubled Debt Restructurings: Card Member Loans 17 $ 128 13 (b) Card Member Receivables 2 40 (c) 27 Total 19 $ 168 Three Months Ended March 31, 2018 Number of Outstanding Average Interest Average Payment Accounts Balances (a) Rate Reduction Term Extensions (in thousands) ($ in millions) (% Points) (# of Months) Troubled Debt Restructurings: Card Member Loans 11 $ 81 11 (b) Card Member Receivables 1 29 (c) 28 Total 12 $ 110 Represents the outstanding balance immediately prior to modification. The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables. Modifications did not reduce the principal balance. For Card Member loans, there have been no payment term extensions. We do not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest bearing. The followin g table provides info rmation with respect to Card Member loans and receivables modified as TDRs that subsequently defaulted within 12 months o f modification. A Card Member is considered in default of a modification program after one and up to two missed pa yments, depending on the terms of the modification program. For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card Member loans and receivables. Three Months Ended March 31, 2019 2018 Number of Accounts Aggregated Outstanding Balances Upon Default (a) Number of Accounts Aggregated Outstanding Balances Upon Default (a) (thousands) (millions) (thousands) (millions) Troubled Debt Restructurings That Subsequently Defaulted: Card Member Loans 2 $ 17 2 $ 9 Card Member Receivables 1 4 1 2 Total 3 $ 21 3 $ 11 The outstanding balances upon default include principal, fees and accrued interest on Card Member loans, and principal and fees on Card Member receivables.

Reserves for Losses

Reserves for Losses	3 Months Ended
	Mar. 31, 2019
Reserves For Losses Card Member Loans and Receivables Disclosure [Abstract]
Reserve for Losses	4 . Reserves for Losses Reserves for losses relating to Card Member loans and receivables represent management’s best estimate of the probable inherent losses in our outstanding por tfolio of loans and receivables as of the balance sheet date. Management’s evaluation process requires certain estimates and judgments. Changes in Card Member Loans Reserve for Losses The following table presents changes in the Card Member loans reserve for losses for the three months ended March 31 : (Millions) 2019 2018 Balance, January 1 $ 2,134 $ 1,706 Provisions (a) 525 499 Net write-offs (b) Principal (457) (358) Interest and fees (92) (71) Other (c) 11 10 Balance, March 31 $ 2,121 $ 1,786 Provisions for principal, interest and fee reserve components. Principal write-offs are presented less recoveries of $ 124 million and $ 106 million for the three months ended March 31 , 2019 and 2018 , respectively. Recoveries of i nterest and fees were not significant . Amounts include net (write-offs) recoveries from TDRs of $ (15) million and $ (7) million for the three months ended March 31 , 2019 and 2018 , respectively. Includes foreign currency tr anslation adjustments of $ 6 million and $ 6 million and other adjustments of $ 5 million and $ 4 million for the three months ended March 31 , 2019 and 2018 , respectively. Card Member Loan s Evaluated Individually and Collectively for Impairment The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of March 31 , 2019 and December 31, 2018 : (Millions) 2019 2018 Card Member loans evaluated individually for impairment (a) $ 588 $ 532 Related reserves (a) $ 108 $ 94 Card Member loans evaluated collectively for impairment (b) $ 80,407 $ 81,322 Related reserves (b) $ 2,013 $ 2,040 Represents loans modified as a TDR and related reserves. Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans, and reserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment. Changes in Card Member Receivables Reserve for Losses The following table presents changes in the Card Member receivables reserve for losses for the three months ended March 3 1 : (Millions) 2019 2018 Balance, January 1 $ 573 $ 521 Provisions (a) 253 242 Net write-offs (b) (216) (199) Other (c) (2) 1 Balance, March 31 $ 608 $ 565 Provisions for principal and fee reserve components. Net write-off s are presented less recoveries of $ 91 million and $ 90 million for the three months ended March 31 , 2019 and 2018 , respectively. Amounts include net (write-offs) recoveries from TDRs of $ (4) million and $ 2 million, for the three months ended March 31 , 2019 and 2018 , respectively. Includes foreign currency translation adjustments of $ 3 million a nd $ 10 million and other adjustments of $ (5) million and $ (9) million for the three months ended March 31 , 2019 and 2018 , respectively. Card Member Receivables Evaluated Individually and Collectively for Impairmen t The following table presents Card Member receivables evaluated individually and collectively for impairment and related reserves as of March 31 , 2019 and December 31, 2018 : (Millions) 2019 2018 Card Member receivables evaluated individually for impairment (a) $ 145 $ 128 Related reserves (a) $ 7 $ 7 Card Member receivables evaluated collectively for impairment $ 56,690 $ 55,765 Related reserves (b) $ 601 $ 566 Represents receivables modified as a TDR and related reserves . The reserves include the quantitative results of analytical models that are specific to individual pools of receivables, and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Investment Securities	5. Investment Securities Investment securities principally include available-for-sale debt securities carried at fair value on the Consolidated Balance Sheets, with unrealize d gains and losses recorded in AOCI , net of income taxes. Realized gains and losses are recognized upon disposition of the securities using the specific identification method. Investment securities also include equity securities carried at fair value on the Consolidated Balance Sheets . The unrealized gains and l osses on equity securities are recorded in the Consolidated Statements of Income. The following is a summary of investment securities as of March 31 , 2019 and December 31, 2018 : 2019 2018 Gross Gross Estimated Gross Gross Estimated Description of Securities Unrealized Unrealized Fair Unrealized Unrealized Fair (Millions) Cost Gains Losses Value Cost Gains Losses Value Available-for-sale debt securities: State and municipal obligations $ 342 $ 6 $ (1) $ 347 $ 594 $ 4 $ (2) $ 596 U.S. Government agency obligations 10 ― ― 10 10 ― ― 10 U.S. Government treasury obligations 5,404 14 (9) 5,409 3,452 5 (17) 3,440 Corporate debt securities 29 ― ― 29 28 ― ― 28 Mortgage-backed securities (a) 48 1 ― 49 50 1 ― 51 Foreign government bonds and obligations 565 1 ― 566 474 ― ― 474 Equity securities (b) 50 ― (3) 47 51 ― (3) 48 Total $ 6,448 $ 22 $ (13) $ 6,457 $ 4,659 $ 10 $ (22) $ 4,647 Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae. Equity securities comprise investments in common stock and mutual funds . The following table provides information about our investment securities with gross unrealized losses and the length of time that individual securities have been in a n unrealized loss position as of March 31 , 2019 and December 31, 2018 : 2019 2018 Less than 12 months 12 months or more Less than 12 months 12 months or more Gross Gross Gross Gross Description of Securities (Millions) Estimated Fair Value Unrealized Losses Estimated Fair Value Unrealized Losses Estimated Fair Value Unrealized Losses Estimated Fair Value Unrealized Losses State and municipal obligations $ ― $ ― $ 52 $ (1) $ ― $ ― $ 82 $ (1) U.S. Government treasury obligations ― ― 998 (9) 224 (2) 791 (15) Total $ ― $ ― $ 1,050 $ (10) $ 224 $ (2) $ 873 $ (16) The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of March 31 , 2019 and December 31, 2018 : Less than 12 months 12 months or more Total Ratio of Fair Value to Gross Gross Gross Amortized Cost Number of Estimated Unrealized Number of Estimated Unrealized Number of Estimated Unrealized (Dollars in millions) Securities Fair Value Losses Securities Fair Value Losses Securities Fair Value Losses 2019: 90%–100% ― $ ― $ ― 26 $ 1,050 $ (10) 26 $ 1,050 $ (10) Total as of March 31, 2019 ― $ ― $ ― 26 $ 1,050 $ (10) 26 $ 1,050 $ (10) 2018: 90%–100% 2 $ 224 $ (2) 29 $ 873 $ (16) 31 $ 1,097 $ (18) Total as of December 31, 2018 2 $ 224 $ (2) 29 $ 873 $ (16) 31 $ 1,097 $ (18) The gross unrealized l osses for available-for-sale debt securities are attributed to wider credit spreads for specific iss uers, adverse changes in benchmark interest rates, or a combination thereof, all compared to those prevailing when the inv estment securities were purchased . Overall, for the available-for-sale debt securities in gross unrealized loss positions , (i) we do no t intend to sell the securities, (ii) it is more l ikely than not that we will not be required to sell the securities before recov ery of the unrealiz ed losses, and (iii) we expect that the contractual principal and interest wi ll be received on the secu rities. As a result, we recognized no other-than-temporary impairment during the periods presented. Contractual maturities for invest ment securities with stated maturities as of March 31 , 2019 were as follows: Estimated (Millions) Cost Fair Value Due within 1 year $ 4,599 $ 4,600 Due after 1 year but within 5 years 1,315 1,319 Due after 5 years but within 10 years 179 181 Due after 10 years 305 310 Total $ 6,398 $ 6,410 The expected payments on state and municipal obligations and mortgage-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations.

Asset Securitizations

Asset Securitizations	3 Months Ended
	Mar. 31, 2019
Asset Securitizations [Abstract]
Asset Securitizations	6 . Asset Securitizations We periodically securitize Card Member loans and receivables arising from our card businesse s through the transfer of those assets to securitization trusts , American Express Credit Account Master Trust (the Lending Trust) and American Express Issuance Trust II (the Charge Trust and together with the Lending Trust, the Trusts) . The T rusts then issue debt securities collateralized by the transferred assets to third-party investors . The Trusts are considered VIEs as t hey have insufficient equity at risk to finance their activities, which are to issue debt securities that are collateralized by the underlying Card Member loans and receivables. We perform the servicing and key decision making f or the Trusts, and therefore have the power to direct the activities that most significantly impact the Trusts’ economic performance, which are the collection of the underlying Card Member loans and recei vables. In addition, we hold all of the variable interests in both Trusts, with the exception of the debt securities issued to third-party investors. As of March 31 , 2019 , our ownership of v ariable interests was $12.3 billion and $ 7.8 billion for the Lending Trust and the Charge Trust , respectively . These variable interests held by us provide us with the right to receive benefits and the obligation to absorb losses, which could be significant to both the Lending Trust and the Charge Trust. Based on these con siderations, we are the primary beneficiary of the T rusts and therefore consolidate the Trusts. The following table provides information on the restricted cash held by the Trusts as of March 31 , 2019 and December 31, 2018 , included in Other assets on the Consolidated Balance Sheets: (Millions) 2019 2018 Lending Trust $ 83 $ 67 Charge Trust 1 3 Total $ 84 $ 70 These amounts relate to collections of Card Member loans and receivables to be used by the Trusts to fund future expenses and obligations, including interest on debt securities, credit losses and upcoming debt maturities. Under the respective terms of the Lending Trust and the Charge Trust agreements, the occurrence of certain triggering events associated with the performance of the assets of each Trust could result in payment of trust expenses, establishment of reserve funds, or, in a worst-case scenario, early amortization of debt securities. During the three months ended March 31 , 2019 and the year ended December 31, 2018 , no such triggering events occurred.

Customer Deposits

Customer Deposits	3 Months Ended
	Mar. 31, 2019
Deposit Liabilities Disclosures [Abstract]
Customer Deposits	7 . Customer Deposits As of March 31 , 2019 and December 31, 2018 , customer deposits were categorized as interest - bearing or non-interest - bearing as follows: (Millions) 2019 2018 U.S.: Interest-bearing $ 72,110 $ 69,144 Non-interest-bearing (includes Card Member credit balances of: 2019, $334; 2018, $376) 368 412 Non-U.S.: Interest-bearing 27 28 Non-interest-bearing (includes Card Member credit balances of: 2019, $343; 2018, $367) 352 376 Total customer deposits $ 72,857 $ 69,960 Customer deposits by deposit type as of March 31 , 2019 and December 31, 2018 were as follows: (Millions) 2019 2018 U.S. retail deposits: Savings accounts – Direct $ 43,345 $ 39,491 Certificates of deposit: (a) Direct 1,107 817 Third-party (brokered) 12,189 12,667 Sweep accounts – Third-party (brokered) 15,469 16,169 Other deposits: U.S. non-interest bearing deposits 34 36 Non-U.S. deposits 36 37 Card Member credit balances ― U.S. and non-U.S. 677 743 Total customer deposits $ 72,857 $ 69,960 The weighted average remaining maturity and weighted average interest rate at issuance on the to tal portfolio of U.S. retail certificates of deposit issued through direct an d third-party programs were 47 months and 2.40 perce nt, respectively, as of March 31, 2019 . The scheduled maturities of certificates of deposit as of March 31 , 2019 were as follows: (Millions) U.S. Non-U.S. Total 2019 $ 4,249 $ 13 $ 4,262 2020 4,406 4 4,410 2021 1,937 ― 1,937 2022 2,292 ― 2,292 2023 327 ― 327 After 5 years 85 ― 85 Total $ 13,296 $ 17 $ 13,313 As of March 31 , 2019 and December 31, 2018 , certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows: (Millions) 2019 2018 U.S. $ 373 $ 276 Non-U.S. 7 9 Total $ 380 $ 285

Contingencies

Contingencies	3 Months Ended
	Mar. 31, 2019
Contingencies Disclosure [Abstract]
Contingencies	8 . Contingencies In the ordinary course of business, we and our subsidiaries are subject to various pending and potential legal actions, arbitration proceedings, claims, investigations, examinations, information gathering requests, subpoenas, inquiries and matters relating to compliance with laws and regulations (collectively, legal proceedings). Based on our current knowledge, and taking into consideration our litigation-related liabilities, w e do not believe we are a party to, nor are any of our properties the subject of, any legal proceeding that would have a material adverse effect on our consolidated financial condition or liquidity. However, in light of the uncertainties involved in such matters, including the fact that some pending legal proceedings are at preliminary stages or seek an indeterminate amount of damages, it is possible that th e outcome of legal proceedings could have a material impact on our results of operations. Certain legal proceedings involving us or our subsidiaries ar e described below. Individual merchant cases and a putative merchant class action, which were consolidated in 2011 and collectively captioned In re: American Express Anti-Steering Rules Antitrust Litigation (II) in the Eastern District of New York, alleged that provisions in our merchant agreements prohibiting merchants from differentially surcharging our cards or steering a customer to use another network’s card or another type of general-purpose card (“anti-steering” and “non-discrimination” contractual p rovisions) violate U.S. antitrust laws. Following the Supreme Court decision in Ohio v. American Express Co. in favor of American Express, plaintiffs in both the individual merchant cases and the putative merchant class action filed amended complaints. On April 12, 2019, the individual merchant cases were dismissed with prejudice pursuant to a joint stipulation between the parties. Our motion to dismiss and compel arbitration of the class action is pending. In July 2004, we were named as a defendant in anot her putative class action filed in the Southern District of New York and subsequently transferred to the Eastern District of New York, captioned The Marcus Corporation v. American Express Co., et al., in which the plaintiffs allege an unlawful antitrust ty ing arrangement between certain of our charge cards and credit cards in violation of various state and federal laws. The plaintiffs in this action seek injunctive relief and an unspecified amount of damages. On March 8, 2016, plaintiffs B&R Supermarket, In c. d/b/a Milam’s Market and Grove Liquors LLC, on behalf of themselves and others, filed a suit, captioned B&R Supermarket, Inc. d/b/a Milam’s Market, et al. v. Visa Inc., et al., for violations of the Sherman Antitrust Act, the Clayton Antitrust Act, Cali fornia’s Cartwright Act and unjust enrichment in the United States District Court for the Northern District of California, against American Express Company, other credit and charge card networks, other issuing banks and EMVCo, LLC. Plaintiffs allege that t he defendants, through EMVCo, conspired to shift liability for fraudulent, faulty and otherwise rejected consumer credit card transactions from themselves to merchants after the implementation of EMV chip payment terminals. Plaintiffs seek damages and inju nctive relief. An amended complaint was filed on July 15, 2016. On September 30, 2016, the court denied our motion to dismiss as to claims brought by merchants who do not accept American Express cards, and on May 4, 2017, the California court transferred t he case to the United States District Court for the Eastern District of New York. On July 30, 2015, plaintiff Plumbers and Steamfitters Local 137 Pension Fund, on behalf of themselves and other purchasers of American Express stock, filed a suit, captioned Plumbers and Steamfitters Local 137 Pension Fund v. American Express Co., Kenneth I. Chenault and Jeffrey C. Campbell, in the United States District Court for the Southern District of New York for violation of federal securities law, alleging that the Comp any deliberately issued false and misleading statements to, and omitted important information from, the public relating to the financial importance of the Costco cobrand relationship to the Company, including, but not limited to, the decision to accelerate negotiations to renew the cobrand agreement. The plaintiff sought damages and injunctive relief. On October 2, 2017, the Court granted defendants’ motion to dismiss the plaintiff’s amended complaint. The plaintiff has appealed the court’s decision. We are being challenged in a n umber of countries regarding our application of value-add ed taxes (VAT) to certain of our international transactions, which are in various stages of audit, or are being contested in legal actions . While we believe we have complied with all applicable tax laws, rules and regulations in the relevant jurisdictions, the tax authoritie s may determine that we owe additional VAT. In certain ju risdictions where we are contesting the assessments, we were required to pay the VAT ass essments prior to contesting. Our legal proceedings range from cases brought by a single plaintiff to class actions with millions of putative class members. These legal proceedings involve various lines of business and a variety of claims (including, but n ot limited to, common law tort, contract, application of tax laws, antitrust and consumer protection claims), some of which present novel factual allegations and/or unique legal theories. While some mat ters pending against us specify the damages claimed by the plaintiff or class, many seek an unspecified amount of damages or are at very early stages of the legal process. Even when the amount of dam ages claimed against us are stated, the claimed amount may be exaggerated and/or unsupported. As a result, some matters have not yet progressed sufficiently through discovery and/or development of important factual information and le gal issues to enable us to estimate an amount of loss or a range of possible loss, while other matters have progressed suffi ciently su ch that we are able to estimate an amount of loss or a range of possible loss. We have accrued for certain of our outstanding legal proceedings. A n accrual is recorded when it is both (a) probable that a loss has occurred and (b) the amount of loss can be reasonably estimated. There may be instances in which an exposure to loss exceeds t he accrual. We evaluate , on a quarterly basis, developments in legal proceedings that could cause an increase or decrease in the amount of the accrual that has been previou sly recorded, or a revision to the disclosed estimated range of possible losses, as applicable. For those disclosed material legal proceedings where a loss is reasonably possible in future periods, whether in excess of a recorded accrual for legal or tax contingencies , or where there is no such accrual, and for which we are able to estimate a range of possible loss, the current estimated range is zero to $ 240 million in excess of any accruals related to those matters. This range represents management ’s estimate based on currently available information and does not represent our maximum loss exposure; actual results may vary significantly. As such legal proceedings evolve, we may need to increase our range of possible loss or recorded accruals . In addi tion, it is possible that significantly increased merchant steering or other actions impairing the Card Member experience as a result of an adverse resolution in one or any combination of the disclosed merchant cases could have a material adverse effect on our business.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	3 Months Ended
	Mar. 31, 2019
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivatives and Hedging Activities	9 . Derivatives and Hedging Activities We use derivative fin ancial instruments to manage exposures to various market risks. These instruments derive their value from an underlying variable or multiple variables, including interest rates, foreign exchange rates, and an equity index or price, and are carried at fair value on the Consolidated Balance Sheets. These instruments enable end users to increase, reduce or alter exposure to various market risks and, for that reason, a re an int egral component of our market r isk management. We do not transact in derivatives for trading purposes. In relation to our credit risk, certain of our bilateral derivative agreements include provisions that allow our counterpartie s to terminate t he agreement in the event of a downgrade of our debt credit rating below investment grade and settle the outstanding net liability position. As of March 31, 2019, these derivatives were not in a material net liability position. Based on our assessment of t he credit risk of our derivative counterparties as of March 31 , 2019 and December 31, 2018 , no credit risk adjustment to the derivative portfolio was required. A majority of our derivative assets and liabilities as of March 31 , 2019 and December 3 1, 2018 are subject to master netting agreements with our derivative counterparties. We have no derivative amounts subject to enforceable master netting arrangements that are not offset on the Consolidated Balance Sheets. The following table summarizes the total fair value, excluding interest accruals, of derivative assets and liabilities as of March 31 , 2019 and December 31, 2018 : Other Assets Fair Value Other Liabilities Fair Value (Millions) 2019 2018 2019 2018 Derivatives designated as hedging instruments: Fair value hedges - Interest rate contracts (a) $ 66 $ 34 $ 39 $ 74 Net investment hedges - Foreign exchange contracts 42 222 138 61 Total derivatives designated as hedging instruments 108 256 177 135 Derivatives not designated as hedging instruments: Foreign exchange contracts, including an embedded derivative 147 258 185 79 Total derivatives, gross 255 514 362 214 Less: Cash collateral netting (b)(c) (46) (28) (35) (78) Derivative asset and derivative liability netting (d) (105) (90) (105) (90) Total derivatives, net $ 104 $ 396 $ 222 $ 46 F or our centrally cleared derivatives , variation margin payments are legally characterized as settlement payments as opposed to collateral. Represents the offsetting of the fair value of bilateral interest rate contracts and certain foreign exchange contracts with the right to cash collateral held from the counterparty or cash collateral posted with the counterparty. We posted $70 million and $84 million as of March 31 , 2019 and December 31, 2018 , respectively, as initial margin on our centrally cleared interest rate swaps; such amounts are recorded within Other receivables on the Consolidated Balance Sheets and are not netted against the derivative balances. Represents the amount of netting of derivative assets and derivative liabilities executed with the same counterparty under an enforceable master netting arrangement. Fair Value Hedges We are exposed to intere st rate risk associated with our fixed-rate long-term debt obligations. At the time of issuance, certain fixed-rate debt obligat ions are designated in fair value hedging relationships, using interest rate swaps, to economically convert the fixed interest rate to a floating interest rat e. We have $22.8 billion and $24.0 billion of fixed-rat e debt obligations designated in fair value hedging relationships as of March 31 , 2019 and December 31, 2018 , respectively. The following table presents the gains and losses recognized in Interest expense associated with the fair value hedges of our fixed-rate long-term debt for the three months ended March 31 : Gains (losses) (Millions) 2019 2018 Fixed-rate long-term debt $ (160) $ 210 Derivatives designated as hedging instruments 158 (191) Total $ (2) $ 19 The carrying values of the hedged liabilities, recorded within Long-term debt on the Consolidated Balance Sheets, were $22.6 billion and $23.7 billion as of March 31, 2019 and December 31, 2018, respectively, including offsetting amounts of $81 million and $241 million for the respective periods, related to the cumulative amount of fair value hedging adjustments. We recognized a net increase of $38 million and a net reduction of $14 million in Interest expense on Long-term debt for the three mon ths ended March 31, 2019 and 2018, respectively, primarily related to the net settlements (interest accruals) on our interest rate derivatives designated as fair value hedges. Net Investment Hedges We had notional amounts of approximately $9.5 billion and $9.6 billion of foreign currency derivatives designated as net investment hedges as of March 31 , 2019 and December 31, 2018 , respectively. The gain or loss on net investment hedges, net of taxes, recorded in AOCI as part of the cumulative translation ad justment, were losses of $162 million for both the three months ended March 31 , 2019 and 2018 . Accumulated gains within AOCI of nil and $1 million for the three months ended March 31, 2019 and 2018, respectively, were reclassified int o Other expen ses upon investment sales or liquidations. Derivatives Not Designated as Hedges The changes in the fair value of derivatives that are not designated as hedges are intended to offset the related foreign exchange gains or losses of the underlying foreign currency exposures. The changes in the fair value of the derivatives and the related underlying foreign currency exposu res resulted in a net gain of $4 million and a net loss of $ 21 million for the three months ended March 31 , 2019 and 2018 , respectively , and are recognized in Other expenses . The changes in the fair value of an em bedded derivative resulted in losses of nil and $2 million for the three months ended March 31 , 2019 and 2018 , respectively , and are recognized in Card M ember services expense .

Fair Values

Fair Values	3 Months Ended
	Mar. 31, 2019
Fair Value (Disclosures) [Abstract]
Fair Values	10 . Fair Values Financial Assets and Financial Liabilities Carried at Fair Value The followin g table summarizes our financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP’s fair value hierarchy, as of March 31 , 2019 and December 31, 2018 : 2019 2018 (Millions) Total Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Assets: Investment securities: (a) Equity securities $ 47 $ 1 $ 46 $ ― $ 48 $ 1 $ 47 $ ― Debt securities 6,410 ― 6,410 ― 4,599 ― 4,599 ― Derivatives, gross (a) 255 ― 255 ― 514 ― 514 ― Total Assets 6,712 1 6,711 ― 5,161 1 5,160 ― Liabilities: Derivatives, gross (a) 362 ― 362 ― 214 ― 214 ― Total Liabilities $ 362 $ ― $ 362 $ ― $ 214 $ ― $ 214 $ ― Refer to Note 5 for the fair values of investment securities and to Note 9 for the fair values of der ivative assets and liabilities, on a further disaggregated basis. Financial Assets and Financial Liabilities Carried at Other Than Fair Value The following table summarizes the estima ted fair values of our financial assets and financial liabilities that are measured at amortized cost, and not required to be carried at fair value on a recurring basis, as of March 31 , 2019 and December 31, 2018 . The fair values of these financial instruments are estimates based upon the market conditions and perceived risks as of March 31 , 2019 and December 31, 2018 , and require management’s judgment. These figures may not be indicative of future fair value s, nor can the fair va lue of American Express be estimated by aggregating the amounts presented. Carrying Corresponding Fair Value Amount 2019 (Billions) Value Total Level 1 Level 2 Level 3 Financial Assets: Financial assets for which carrying values equal or approximate fair value Cash and cash equivalents (a) $ 33 $ 33 $ 32 $ 1 $ ― Other financial assets (b) 60 60 ― 60 ― Financial assets carried at other than fair value Loans, net (c) 83 83 ― ― 83 Financial Liabilities: Financial liabilities for which carrying values equal or approximate fair value 88 88 ― 88 ― Financial liabilities carried at other than fair value Certificates of deposit (d) 13 13 ― 13 ― Long-term debt (c) $ 58 $ 60 $ ― $ 60 $ ― Carrying Corresponding Fair Value Amount 2018 (Billions) Value Total Level 1 Level 2 Level 3 Financial Assets: Financial assets for which carrying values equal or approximate fair value Cash and cash equivalents (a) $ 27 $ 27 $ 26 $ 1 $ ― Other financial assets (b) 58 58 ― 58 ― Financial assets carried at other than fair value Loans, net (c) 83 84 ― ― 84 Financial Liabilities: Financial liabilities for which carrying values equal or approximate fair value 81 81 ― 81 ― Financial liabilities carried at other than fair value Certificates of deposit (d) 13 13 ― 13 ― Long-term debt (c) $ 58 $ 59 $ ― $ 59 $ ― Level 2 amounts reflect time deposits and short-term investments. Includes Card Member receivables (including fair values of Card Member receivables of $ 7.7 billion and $ 8.5 billion held by a consolidated VIE as of March 31 , 2019 and December 31, 2018 , respectively), Other receivables, restricted cash and other miscellaneous assets. Balances include amounts held by a consolidated VIE for which the fair values of Card Member loans were $ 31.3 billion and $ 33.0 billi on as of March 31 , 2019 and December 31, 2018 , respec tively, and the fair values of L ong-term debt were $ 19.6 billion and $ 19.4 billion as of March 31 , 2019 and December 31, 2018 , respectively. Presented as a component of C ustom er deposits on the Consolidated Balance Sheets. Nonrecurring Fair Value Measurements We have certain assets that are subject to measurement at fair value on a nonrecurring basis. F or these assets, measurement at fair value in periods subsequent to their initial recognition is applicable if they are determined to be impaired or where there are observable price changes for equity investments without readily determinable fair values. During the three months ended March 31, 2019 and the year ended December 31 , 2018, we did not have any material assets that were measured at fair value due to impairment. Equity investments that are only adjusted through earnings for observable price changes are not material.

Guarantees

Guarantees	3 Months Ended
	Mar. 31, 2019
Guarantees [Abstract]
Guarantees	11 . Guarantees T he maximum potential undiscounted future payments and related liability resulting from guarantees and indemnifications provided by us in the ordinary course of business were $1 billion and $34 million, respectively, as of March 31, 2019, and $1 billio n and $46 million, respectively, as of December 31, 2018, all of which were primarily related to our real estate and business dispo sitions. To date , we have not experienced any significant losses related to guarantees or indemnifications. Our recognition of these instruments is at fair value. In addition, we establish reserves when a loss is probable and the amount can be reasonably estimated.

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive (Loss) Income	3 Months Ended
	Mar. 31, 2019
Disclosure Text Block [Abstract]
Changes In Accumulated Other Comprehensive (Loss) Income	12 . Changes In Accumulated Other Comprehensive Income AOCI is comprised of items that have not been recognized in earnings but may be recognized in earnings in the future when certain events occur. Changes in each component for the three months ended March 31 , 2019 and 2018 were as follows: 2019 (Millions) , net of tax Net Unrealized Gains (Losses) on Debt Securities Foreign Currency Translation Adjustment Gains (Losses) Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) Accumulated Other Comprehensive (Loss) Income Balances as of December 31, 2018 $ (8) $ (2,133) $ (456) $ (2,597) Net unrealized gains 17 ― ― 17 Net translation gains on investments in foreign operations ― 170 ― 170 Net losses related to hedges of investments in foreign operations ― (162) ― (162) Pension and other postretirement benefits ― ― (27) (27) Net change in accumulated other comprehensive income (loss) 17 8 (27) (2) Balances as of March 31, 2019 $ 9 $ (2,125) $ (483) $ (2,599) 2018 (Millions) , net of tax Net Unrealized Gains (Losses) on Investment Securities Foreign Currency Translation Adjustment Gains (Losses) Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) Accumulated Other Comprehensive (Loss) Income Balances as of December 31, 2017 $ ― $ (1,961) $ (467) $ (2,428) Net unrealized losses (13) ― ― (13) Net translation gains on investments in foreign operations ― 192 ― 192 Net losses related to hedges of investments in foreign operations ― (162) ― (162) Pension and other postretirement benefits ― ― 28 28 Other (a) 2 ― ― 2 Net change in accumulated other comprehensive (loss) income (11) 30 28 47 Balances as of March 31, 2018 $ (11) $ (1,931) $ (439) $ (2,381) Represents unrealized gains and losses pertaining to equity securities moved from AOCI to retained earnings as of January 1, 2018, due to the prospective adoption of the financial instruments guidance effective January 1, 2018. The following table shows the tax impact for the three months ended March 31 for the changes in each component of AOCI presented above: Tax expense (benefit) (Millions) 2019 2018 Net unrealized investment securities $ 4 $ (3) Net translation on investments in foreign operations 14 2 Net hedges of investments in foreign operations (50) (54) Pension and other postretirement benefits (11) 3 Total tax impact $ (43) $ (52) The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statements of Income for the three months ended March 31 , 2019 and 2018 : Gains (losses) recognized in earnings Amount Description ( Millions ) Income Statement Line Item 2019 2018 Foreign currency translation adjustments Reclassification of translation adjustments and related hedges Other expenses $ ― $ 1 Related income tax Income tax provision ― (1) Reclassification of foreign currency translation adjustments $ ― $ ―

Non-Interest Revenue and Expens

Non-Interest Revenue and Expense Detail	3 Months Ended
	Mar. 31, 2019
Other Income And Other Expense Disclosure [Abstract]
Non-Interest Revenue and Expense Detail	13 . Other Fees and Commissions and Other Expenses The following is a detail of Other fees and commissions for the three months ended March 31: (Millions) 2019 2018 Fees charged to Card Members: Delinquency fees $ 251 $ 242 Foreign currency conversion fee revenue 230 225 Other customer fees: Loyalty coalition-related fees 114 111 Travel commissions and fees 108 99 Service fees and other (a) 100 104 Total Other fees and commissions $ 803 $ 781 Other includes Membership Rewards program fees that are not related to contracts with customers. Revenue expected to be recognized in future periods related to contracts that have an original expected duration of one year or less and contracts with variable consideration (e.g. discount revenue) are not required to be disclosed. Non-interest revenue expected to be recognized in future periods through remaining contracts with customers is not material. The following is a detail of Other expenses for the three months ended March 31 : (Millions) 2019 2018 Occupancy and equipment $ 508 $ 520 Professional services 494 457 Other (a) 599 457 Total Other expenses $ 1,601 $ 1,434 O ther expense primarily includes general operating expenses , a litigation-related charge, communication expenses, Card an d merchant-related fraud losses, and unrealized gains on certain equity investments.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	14 . Income Taxes The effective tax rate was 20.8 percent and 21.5 percent for the three months ended March 31 , 2019 and 2018 , respectively. The change in tax rate primarily reflect s the resolution of certain prior years’ tax items in the current period . We are under continuous examination by the Internal Revenue Service (IRS) and tax authorities in other countries and states in which we have significant business operations. The tax years under examination and open for examination vary by jurisdiction. In 2018 we settled our US federal income tax audits for tax years 2008-2014, and the statute of limitations for these years remain open through 2019. Tax years from 2015 onwards are open for examination by the IRS. We beli eve it is reasonably possible that our unrecognized tax benefits could decrease within the next 12 months by as much as $113 million , principally as a result of potential resolutions of prior years’ tax items with various taxing authorities. The prior year s’ tax items include unrecognized tax benefits relating to the deductibility of certain expenses or losses and the attribution of taxable income to a particular jurisdiction or jurisdictions. Of the $113 million of unrecognized tax benefits, approximately $95 million relates to amounts that, if recognized, would impact the effective tax rate in a future period.

Earnings Per Common Share (EPS)

Earnings Per Common Share (EPS)	3 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Common Share (EPS)	15 . Earnings Per Common Share (EPS) The computations of basic and diluted EPS for the three months ended March 31 were as follows: (Millions, except per share amounts) 2019 2018 Numerator: Basic and diluted: Net income $ 1,550 $ 1,634 Preferred dividends (21) (21) Net income available to common shareholders $ 1,529 $ 1,613 Earnings allocated to participating share awards (a) (11) (13) Net income attributable to common shareholders $ 1,518 $ 1,600 Denominator: (a) Basic: Weighted-average common stock 841 859 Add: Weighted-average stock options (b) 2 2 Diluted 843 861 Basic EPS $ 1.81 $ 1.86 Diluted EPS $ 1.80 $ 1.86 Our unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities. The related participating securities are similarly excluded from the denominator. The dilutive effect of unex ercised stock options excludes from the computation of EPS 0.9 million and 0.6 million of options for the three months ended March 31 , 2019 and 2018 , respectively, because inclusion of the options would have been anti-dilutive .

Reportable Operating Segment

Reportable Operating Segment	3 Months Ended
	Mar. 31, 2019
Segment Reporting [Abstract]
Reportable Operating Segments	16 . Reportable Operating Segments During 2018, we realigned our reportable operating segments and also made changes to the methodology used to allocate certain corporate overhead costs to the operating segments and our intercompany settlement process. Effective for the first quarter of 2019, we moved intercompany assets and liabilities, previously recorded in the operatin g segments, to Corporate & Other. For all of the above referenced changes, p rior period amounts have been revised to conform to the current period presentation. The following table presents certain selected financial information for our reportable operat ing segments and Corporate & Other as of or for the three months ended March 31: 2019 (Millions, except where indicated) GCSG GCS GMNS Corporate & Other (a) Consolidated Total non-interest revenues $ 3,741 $ 3,020 $ 1,525 $ 19 $ 8,305 Revenue from contracts with customers (b) 2,578 2,607 1,503 9 6,697 Interest income 2,272 454 9 219 2,954 Interest expense 459 241 (93) 288 895 Total revenues net of interest expense 5,554 3,233 1,627 (50) 10,364 Net income (loss) $ 821 $ 586 $ 631 $ (488) $ 1,550 Total assets (billions) $ 99 $ 54 $ 22 $ 22 $ 197 2018 (Millions, except where indicated) GCSG GCS GMNS Corporate & Other (a) Consolidated Total non-interest revenues $ 3,491 $ 2,838 $ 1,532 $ 16 $ 7,877 Revenue from contracts with customers (b) 2,438 2,454 1,491 4 6,387 Interest income 1,949 377 9 127 2,462 Interest expense 327 171 (59) 182 621 Total revenues net of interest expense 5,113 3,044 1,600 (39) 9,718 Net income (loss) $ 826 $ 546 $ 516 $ (254) $ 1,634 Total assets (billions) $ 91 $ 51 $ 20 $ 18 $ 180 Corporate & Other includes adjustments and eliminations for intersegment activity. Includes discount revenue, certain other fees and commissions and other revenues from customers.

Significant Accounting Policies

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2019
Policy (Text Block) [Abstract]
Basis of Presentation	The preparation of Consolidated Financial Statements in conformity with accounting principles generally accepted in the United States of America (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses, and the disclosures of contingent assets and liabilities. These accounting estimates reflect the best judgment of management, but actual results could differ. In February 2016, the FASB issued new accounting guidance on leases. The accounting standard, effective January 1, 2019, requires virtually all leases to be recognized on the Consolidated Balance Sheets. Effective January 1, 2019, we adopted the standard using the modified retrosp ective method, under which we elected the package of practical expedients and transition provisions allowing us to bring our existing operating leases onto the Consolidated Balance Sheet without adjusting comparative periods. Under the guidance we have als o elected not to separate lease and non-lease components in recognition of the lease-related assets and liabilities, as well as the related lease expense. We have operating leases for facilities and equipment, which are recorded as assets and liabilities for those leases with terms greater than 12 months. Lease-related assets, or right-of-use assets, are recognized at the lease commencement date at amounts equal to the respective lease liabilities, adjusted for prepaid lease payments, initial direct costs , and lease incentives received. Lease-related liabilities are recognized at the present value of the remaining contractual fixed lease payments, discounted using our incremental borrowing rate. Operating lease expense is recognized on a straight-line basi s over the lease term, while variable lease payments are expensed as incurred. In conjunction with the adoption, we upgraded our lease administration software and updated our business processes and internal controls in support of the new guidance.
Investments	Investment securities principally include available-for-sale debt securities carried at fair value on the Consolidated Balance Sheets, with unrealize d gains and losses recorded in AOCI , net of income taxes. Realized gains and losses are recognized upon disposition of the securities using the specific identification method. Investment securities also include equity securities carried at fair value on the Consolidated Balance Sheets The unrealized gains and l osses on equity securities are recorded in the Consolidated Statements of Income.
Asset Securitizations	We periodically securitize Card Member loans and receivables arising from our card businesse s through the transfer of those assets to securitization trusts , American Express Credit Account Master Trust (the Lending Trust) and American Express Issuance Trust II (the Charge Trust and together with the Lending Trust, the Trusts) . The T rusts then issue debt securities collateralized by the transferred assets to third-party investors . The Trusts are considered VIEs as t hey have insufficient equity at risk to finance their activities, which are to issue debt securities that are collateralized by the underlying Card Member loans and receivables. We perform the servicing and key decision making f or the Trusts, and therefore have the power to direct the activities that most significantly impact the Trusts’ economic performance, which are the collection of the underlying Card Member loans and recei vables. In addition, we hold all of the variable interests in both Trusts, with the exception of the debt securities issued to third-party investors. These variable interests held by us provide us with the right to receive benefits and the obligation to absorb losses, which could be significant to both the Lending Trust and the Charge Trust. Based on these con siderations, we are the primary beneficiary of the T rusts and therefore consolidate the Trusts.
Contingencies	We have accrued for certain of our outstanding legal proceedings. A n accrual is recorded when it is both (a) probable that a loss has occurred and (b) the amount of loss can be reasonably estimated. There may be instances in which an exposure to loss exceeds t he accrual. We evaluate , on a quarterly basis, developments in legal proceedings that could cause an increase or decrease in the amount of the accrual that has been previou sly recorded, or a revision to the disclosed estimated range of possible losses, as applicable.
Derivatives	We use derivative fin ancial instruments to manage exposures to various market risks. These instruments derive their value from an underlying variable or multiple variables, including interest rates, foreign exchange rates, and an equity index or price, and are carried at fair value on the Consolidated Balance Sheets. The changes in the fair value of derivatives that are not designated as hedges are intended to offset the related foreign exchange gains or losses of the underlying foreign currency exposures.
Guarantees	Our recognition of these instruments is at fair value. In addition, we establish reserves when a loss is probable and the amount can be reasonably estimated.

Loans and Accounts Receivable (

Loans and Accounts Receivable (Tables)	3 Months Ended
	Mar. 31, 2019
Loans and Accounts Receivable (Tables) [Abstract]
Card Member loans segment detail	Card Member loans by segment and Other loans as of March 31 , 2019 and December 31, 2018 consisted of: (Millions) 2019 2018 Global Consumer Services Group (a) $ 67,938 $ 69,458 Global Commercial Services 13,057 12,396 Card Member loans 80,995 81,854 Less: Reserve for losses 2,121 2,134 Card Member loans, net $ 78,874 $ 79,720 Other loans, net (b) $ 3,965 $ 3,676 Includes approximately $ 31.5 billion and $ 33.2 billion of gross Card Member loans available to settle obligations of a consolidated variable interest entity (VIE) as of March 31 , 2019 and December 31, 2018 , respectively. Other loans primarily represent consumer and commercial non-card financing products. Other loans are presented net of reserves for losses of $ 129 million and $ 124 million as of March 31 , 2019 and December 31, 2018 , respectively.
Card Member receivables segment detail	Card Member accounts receivable by segment and Other receivables as of March 31 , 2019 and December 31, 2018 consisted of: (Millions) 2019 2018 Global Consumer Services Group (a) $ 19,929 $ 21,455 Global Commercial Services 36,906 34,438 Card Member receivables 56,835 55,893 Less: Reserve for losses 608 573 Card Member receivables, net $ 56,227 $ 55,320 Other receivables, net (b) $ 3,128 $ 2,907 Includes $ 7.8 billion and $ 8.5 billion of gross Card Member receivables available to settle obligations of a consolidated VIE as of March 31 , 2019 and December 31, 2018 , respectively. Other receivables primarily r epresent amounts related to (i) Global Network Services partner s for items such as royalty and franchise fees, (ii) tax-related receivables, (iii) certain merchants for billed discount revenue, and ( iv ) loyalty coalition partners for points issued, as well as program participation a nd servicing fees. Other receivables are presented net of r eserves fo r losses of $ 25 million as of both March 31 , 2019 and De cember 31, 2018 .
Aging of Card Member loans and receivables	The following table presents the aging of Card Member loans and receivables as of March 31 , 2019 and December 31, 2018 : 2019 (Millions) Current 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Card Member Loans: Global Consumer Services Group $ 66,916 $ 286 $ 216 $ 520 $ 67,938 Global Commercial Services Global Small Business Services 12,824 53 38 76 12,991 Global Corporate Payments (a) (b) (b) (b) ― 66 Card Member Receivables: Global Consumer Services Group 19,667 85 58 119 19,929 Global Commercial Services Global Small Business Services $ 17,061 $ 105 $ 62 $ 119 $ 17,347 Global Corporate Payments (a) (b) (b) (b) $ 125 $ 19,559 2018 (Millions) Current 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Card Member Loans: Global Consumer Services Group $ 68,442 $ 290 $ 220 $ 506 $ 69,458 Global Commercial Services Global Small Business Services 12,195 51 32 73 12,351 Global Corporate Payments (a) (b) (b) (b) ― 45 Card Member Receivables: Global Consumer Services Group 21,207 80 50 118 21,455 Global Commercial Services Global Small Business Services $ 16,460 $ 101 $ 53 $ 114 $ 16,728 Global Corporate Payments (a) (b) (b) (b) $ 129 $ 17,710 For Global Corporate Payments Card Member loans and receivables in Global Commercial Services ( GCS ) , delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement d ate. In addition, if we initiate collection procedures on an account prior to the account becoming 90 days pas t billing, the associated Card Member loan or receivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes. See also (b). Delinquency data for periods other than 90 + days past billin g is not available due to system constraints. Therefore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances.
Credit quality indicators for loans and receivables	The following tables present the key credit quality indicators as of or for the three months ended March 31 : 2019 2018 Net Write-Off Rate Net Write-Off Rate Principal Only (a) Principal, Interest & Fees (a) 30+ Days Past Due as a % of Total Principal Only (a) Principal, Interest & Fees (a) 30+ Days Past Due as a % of Total Card Member Loans: Global Consumer Services Group 2.3 % 2.8 % 1.5 % 2.0 % 2.4 % 1.4 % Global Small Business Services 1.8 % 2.1 % 1.3 % 1.6 % 1.9 % 1.3 % Card Member Receivables: Global Consumer Services Group 1.7 % 1.9 % 1.3 % 1.6 % 1.7 % 1.4 % Global Small Business Services 1.9 % 2.1 % 1.6 % 1.7 % 1.9 % 1.8 % 2019 2018 Net Loss Ratio as a % of Charge Volume 90+ Days Past Billing as a % of Receivables Net Loss Ratio as a % of Charge Volume 90+ Days Past Billing as a % of Receivables Card Member Receivables: Global Corporate Payments 0.08 % 0.6 % 0.10 % 0.8 % We present a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry convention. In addition, because we consider uncollectible intere st and/or fees in estimating our reserves for credit losses, a net write-off rate including principal, interest and/or fees is also presented.
Impaired Card Member loans and receivables	The following tables provide additional informati on with respect to our impaired Card Member loans and receivables as of March 31 , 2019 and December 31, 2018 : As of March 31, 2019 Accounts Classified as a TDR (c) 2019 (Millions) Over 90 days Past Due & Accruing Interest (a) Non-Accruals (b) In Program (d) Out of Program (e) Total Impaired Balance Unpaid Principal Balance Allowance for TDRs Card Member Loans: Global Consumer Services Group (f) $ 348 $ 250 $ 354 $ 137 $ 1,089 $ 972 $ 93 Global Commercial Services 43 49 67 30 189 176 15 Card Member Receivables: Global Consumer Services Group ― ― 35 12 47 47 3 Global Commercial Services ― ― 70 28 98 97 4 Total $ 391 $ 299 $ 526 $ 207 $ 1,423 $ 1,292 $ 115 As of December 31, 2018 Accounts Classified as a TDR (c) 2018 (Millions) Over 90 days Past Due & Accruing Interest (a) Non-Accruals (b) In Program (d) Out of Program (e) Total Impaired Balance Unpaid Principal Balance Allowance for TDRs Card Member Loans: Global Consumer Services Group (f) $ 344 $ 236 $ 313 $ 131 $ 1,024 $ 923 $ 80 Global Commercial Services 43 43 59 29 174 161 14 Card Member Receivables: Global Consumer Services Group ― ― 29 13 42 42 2 Global Commercial Services ― ― 61 25 86 86 5 Total $ 387 $ 279 $ 462 $ 198 $ 1,326 $ 1,212 $ 101 Our policy is generally to accrue interest through the date of write-off (typically 180 days past due). We establish reserves for interest that we believe will not be collected. Amounts presented exclude Card Member loans classified as a TDR. Non-accrual loans not in modification programs primarily include certain Card Member loans placed with outside collection ag encies for which we have ceased accruing interest. Amounts presented exclude Card Member loans classified as a TDR. Accounts classified as a T DR include $ 20 million and $ 17 million that are over 90 days past due and accruing interest and $ 12 million and $ 6 mill ion that are non-accruals as of March 31 , 2019 and December 31, 2018 , respectively . In Progr am TDRs include Card Member accounts that are currently enrolled in a modification program. Out of Program TDRs include $156 million and $ 148 million of Card Member accounts that have successfully completed a modification progr am and $51 million and $50 m illion of Card Member accounts that were not in compliance with the terms of the modification programs as of March 31 , 2019 and December 31, 2018 , respectively . G lobal Consumer Services Group (G CSG ) includes balances outside the U.S . of $77 milli on and $69 million that are over 90 days and accruing interest and $64 million and $68 millio n in unpaid principal as of March 31, 2019 and December 31, 2018, respectively.
Interest income recognized and average balance of impaired Card Member loans and receivables	The following table provides information with respect to our average balances and in terest income recognized from i mpaired Card Member loans and the average balances of impaired Card Member receivables for the three months ended March 31: 2019 2018 Interest Interest Average Income Average Income (Millions) Balance Recognized Balance Recognized Card Member Loans: Global Consumer Services Group $ 1,057 $ 31 $ 801 $ 26 Global Commercial Services 181 6 136 5 Card Member Receivables: Global Consumer Services Group 45 ― 27 ― Global Commercial Services 92 ― 63 ― Total $ 1,375 $ 37 $ 1,027 $ 31
Troubled debt restructurings	The following table provides additional information with respect to Card Member loans and receivables mo dified as TDRs for the three months ended March 31 , 2019 and 2018 . Three Months Ended March 31, 2019 Number of Outstanding Average Interest Average Payment Accounts Balances (a) Rate Reduction Term Extensions (in thousands) ($ in millions) (% Points) (# of Months) Troubled Debt Restructurings: Card Member Loans 17 $ 128 13 (b) Card Member Receivables 2 40 (c) 27 Total 19 $ 168 Three Months Ended March 31, 2018 Number of Outstanding Average Interest Average Payment Accounts Balances (a) Rate Reduction Term Extensions (in thousands) ($ in millions) (% Points) (# of Months) Troubled Debt Restructurings: Card Member Loans 11 $ 81 11 (b) Card Member Receivables 1 29 (c) 28 Total 12 $ 110 Represents the outstanding balance immediately prior to modification. The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables. Modifications did not reduce the principal balance. For Card Member loans, there have been no payment term extensions. We do not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest bearing.
Troubled debt restructurings that subsequently defaulted	The followin g table provides info rmation with respect to Card Member loans and receivables modified as TDRs that subsequently defaulted within 12 months o f modification. A Card Member is considered in default of a modification program after one and up to two missed pa yments, depending on the terms of the modification program. For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card Member loans and receivables. Three Months Ended March 31, 2019 2018 Number of Accounts Aggregated Outstanding Balances Upon Default (a) Number of Accounts Aggregated Outstanding Balances Upon Default (a) (thousands) (millions) (thousands) (millions) Troubled Debt Restructurings That Subsequently Defaulted: Card Member Loans 2 $ 17 2 $ 9 Card Member Receivables 1 4 1 2 Total 3 $ 21 3 $ 11 The outstanding balances upon default include principal, fees and accrued interest on Card Member loans, and principal and fees on Card Member receivables.

Reserves For Losses (Tables)

Reserves For Losses (Tables)	3 Months Ended
	Mar. 31, 2019
Reserves For Losses Tables [Abstract]
Changes in the Card Member loans reserve for losses	The following table presents changes in the Card Member loans reserve for losses for the three months ended March 31 : (Millions) 2019 2018 Balance, January 1 $ 2,134 $ 1,706 Provisions (a) 525 499 Net write-offs (b) Principal (457) (358) Interest and fees (92) (71) Other (c) 11 10 Balance, March 31 $ 2,121 $ 1,786 Provisions for principal, interest and fee reserve components. Principal write-offs are presented less recoveries of $ 124 million and $ 106 million for the three months ended March 31 , 2019 and 2018 , respectively. Recoveries of i nterest and fees were not significant . Amounts include net (write-offs) recoveries from TDRs of $ (15) million and $ (7) million for the three months ended March 31 , 2019 and 2018 , respectively. Includes foreign currency tr anslation adjustments of $ 6 million and $ 6 million and other adjustments of $ 5 million and $ 4 million for the three months ended March 31 , 2019 and 2018 , respectively.
Card Member loans and related reserves evaluated separately and collectively for impairment	The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of March 31 , 2019 and December 31, 2018 : (Millions) 2019 2018 Card Member loans evaluated individually for impairment (a) $ 588 $ 532 Related reserves (a) $ 108 $ 94 Card Member loans evaluated collectively for impairment (b) $ 80,407 $ 81,322 Related reserves (b) $ 2,013 $ 2,040 Represents loans modified as a TDR and related reserves. Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans, and reserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment.
Changes in the Card Member receivable reserve for losses	The following table presents changes in the Card Member receivables reserve for losses for the three months ended March 3 1 : (Millions) 2019 2018 Balance, January 1 $ 573 $ 521 Provisions (a) 253 242 Net write-offs (b) (216) (199) Other (c) (2) 1 Balance, March 31 $ 608 $ 565 Provisions for principal and fee reserve components. Net write-off s are presented less recoveries of $ 91 million and $ 90 million for the three months ended March 31 , 2019 and 2018 , respectively. Amounts include net (write-offs) recoveries from TDRs of $ (4) million and $ 2 million, for the three months ended March 31 , 2019 and 2018 , respectively. Includes foreign currency translation adjustments of $ 3 million a nd $ 10 million and other adjustments of $ (5) million and $ (9) million for the three months ended March 31 , 2019 and 2018 , respectively.
Card Member receivables and related reserves evaluated separately and collectively for impairment	The following table presents Card Member receivables evaluated individually and collectively for impairment and related reserves as of March 31 , 2019 and December 31, 2018 : (Millions) 2019 2018 Card Member receivables evaluated individually for impairment (a) $ 145 $ 128 Related reserves (a) $ 7 $ 7 Card Member receivables evaluated collectively for impairment $ 56,690 $ 55,765 Related reserves (b) $ 601 $ 566 Represents receivables modified as a TDR and related reserves . The reserves include the quantitative results of analytical models that are specific to individual pools of receivables, and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2019
Investment Securities (Tables) [Abstract]
Schedule of Available for Sale Securities by Type	The following is a summary of investment securities as of March 31 , 2019 and December 31, 2018 : 2019 2018 Gross Gross Estimated Gross Gross Estimated Description of Securities Unrealized Unrealized Fair Unrealized Unrealized Fair (Millions) Cost Gains Losses Value Cost Gains Losses Value Available-for-sale debt securities: State and municipal obligations $ 342 $ 6 $ (1) $ 347 $ 594 $ 4 $ (2) $ 596 U.S. Government agency obligations 10 ― ― 10 10 ― ― 10 U.S. Government treasury obligations 5,404 14 (9) 5,409 3,452 5 (17) 3,440 Corporate debt securities 29 ― ― 29 28 ― ― 28 Mortgage-backed securities (a) 48 1 ― 49 50 1 ― 51 Foreign government bonds and obligations 565 1 ― 566 474 ― ― 474 Equity securities (b) 50 ― (3) 47 51 ― (3) 48 Total $ 6,448 $ 22 $ (13) $ 6,457 $ 4,659 $ 10 $ (22) $ 4,647 Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae. Equity securities comprise investments in common stock and mutual funds .
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	The following table provides information about our investment securities with gross unrealized losses and the length of time that individual securities have been in a n unrealized loss position as of March 31 , 2019 and December 31, 2018 : 2019 2018 Less than 12 months 12 months or more Less than 12 months 12 months or more Gross Gross Gross Gross Description of Securities (Millions) Estimated Fair Value Unrealized Losses Estimated Fair Value Unrealized Losses Estimated Fair Value Unrealized Losses Estimated Fair Value Unrealized Losses State and municipal obligations $ ― $ ― $ 52 $ (1) $ ― $ ― $ 82 $ (1) U.S. Government treasury obligations ― ― 998 (9) 224 (2) 791 (15) Total $ ― $ ― $ 1,050 $ (10) $ 224 $ (2) $ 873 $ (16)
Available for Sale Securities Ratio of Fair Value to Amortized Cost	The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of March 31 , 2019 and December 31, 2018 : Less than 12 months 12 months or more Total Ratio of Fair Value to Gross Gross Gross Amortized Cost Number of Estimated Unrealized Number of Estimated Unrealized Number of Estimated Unrealized (Dollars in millions) Securities Fair Value Losses Securities Fair Value Losses Securities Fair Value Losses 2019: 90%–100% ― $ ― $ ― 26 $ 1,050 $ (10) 26 $ 1,050 $ (10) Total as of March 31, 2019 ― $ ― $ ― 26 $ 1,050 $ (10) 26 $ 1,050 $ (10) 2018: 90%–100% 2 $ 224 $ (2) 29 $ 873 $ (16) 31 $ 1,097 $ (18) Total as of December 31, 2018 2 $ 224 $ (2) 29 $ 873 $ (16) 31 $ 1,097 $ (18)
Contractual maturities of investment securities	Contractual maturities for invest ment securities with stated maturities as of March 31 , 2019 were as follows: Estimated (Millions) Cost Fair Value Due within 1 year $ 4,599 $ 4,600 Due after 1 year but within 5 years 1,315 1,319 Due after 5 years but within 10 years 179 181 Due after 10 years 305 310 Total $ 6,398 $ 6,410

Asset Securitizations (Tables)

Asset Securitizations (Tables)	3 Months Ended
	Mar. 31, 2019
Cash And Cash Equivalents [Abstract]
Restricted cash held by trusts	The following table provides information on the restricted cash held by the Trusts as of March 31 , 2019 and December 31, 2018 , included in Other assets on the Consolidated Balance Sheets: (Millions) 2019 2018 Lending Trust $ 83 $ 67 Charge Trust 1 3 Total $ 84 $ 70

Customer Deposits (Tables)

Customer Deposits (Tables)	3 Months Ended
	Mar. 31, 2019
Customer Deposits (Tables) [Abstract]
Deposits By Component Alternative	As of March 31 , 2019 and December 31, 2018 , customer deposits were categorized as interest - bearing or non-interest - bearing as follows: (Millions) 2019 2018 U.S.: Interest-bearing $ 72,110 $ 69,144 Non-interest-bearing (includes Card Member credit balances of: 2019, $334; 2018, $376) 368 412 Non-U.S.: Interest-bearing 27 28 Non-interest-bearing (includes Card Member credit balances of: 2019, $343; 2018, $367) 352 376 Total customer deposits $ 72,857 $ 69,960
Deposits By Type	Customer deposits by deposit type as of March 31 , 2019 and December 31, 2018 were as follows: (Millions) 2019 2018 U.S. retail deposits: Savings accounts – Direct $ 43,345 $ 39,491 Certificates of deposit: (a) Direct 1,107 817 Third-party (brokered) 12,189 12,667 Sweep accounts – Third-party (brokered) 15,469 16,169 Other deposits: U.S. non-interest bearing deposits 34 36 Non-U.S. deposits 36 37 Card Member credit balances ― U.S. and non-U.S. 677 743 Total customer deposits $ 72,857 $ 69,960 The weighted average remaining maturity and weighted average interest rate at issuance on the to tal portfolio of U.S. retail certificates of deposit issued through direct an d third-party programs were 47 months and 2.40 perce nt, respectively, as of March 31, 2019 .
Time Deposits By Maturity	The scheduled maturities of certificates of deposit as of March 31 , 2019 were as follows: (Millions) U.S. Non-U.S. Total 2019 $ 4,249 $ 13 $ 4,262 2020 4,406 4 4,410 2021 1,937 ― 1,937 2022 2,292 ― 2,292 2023 327 ― 327 After 5 years 85 ― 85 Total $ 13,296 $ 17 $ 13,313
Time Deposits $250,000 Or More	As of March 31 , 2019 and December 31, 2018 , certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows: (Millions) 2019 2018 U.S. $ 373 $ 276 Non-U.S. 7 9 Total $ 380 $ 285

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	3 Months Ended
	Mar. 31, 2019
Derivatives and Hedging Activities (Tables) [Abstract]
Schedule of derivative instruments in statement of financial position, fair value	The following table summarizes the total fair value, excluding interest accruals, of derivative assets and liabilities as of March 31 , 2019 and December 31, 2018 : Other Assets Fair Value Other Liabilities Fair Value (Millions) 2019 2018 2019 2018 Derivatives designated as hedging instruments: Fair value hedges - Interest rate contracts (a) $ 66 $ 34 $ 39 $ 74 Net investment hedges - Foreign exchange contracts 42 222 138 61 Total derivatives designated as hedging instruments 108 256 177 135 Derivatives not designated as hedging instruments: Foreign exchange contracts, including an embedded derivative 147 258 185 79 Total derivatives, gross 255 514 362 214 Less: Cash collateral netting (b)(c) (46) (28) (35) (78) Derivative asset and derivative liability netting (d) (105) (90) (105) (90) Total derivatives, net $ 104 $ 396 $ 222 $ 46 F or our centrally cleared derivatives , variation margin payments are legally characterized as settlement payments as opposed to collateral. Represents the offsetting of the fair value of bilateral interest rate contracts and certain foreign exchange contracts with the right to cash collateral held from the counterparty or cash collateral posted with the counterparty. We posted $70 million and $84 million as of March 31 , 2019 and December 31, 2018 , respectively, as initial margin on our centrally cleared interest rate swaps; such amounts are recorded within Other receivables on the Consolidated Balance Sheets and are not netted against the derivative balances. Represents the amount of netting of derivative assets and derivative liabilities executed with the same counterparty under an enforceable master netting arrangement.
Effect of fair value hedges on results of operations	The following table presents the gains and losses recognized in Interest expense associated with the fair value hedges of our fixed-rate long-term debt for the three months ended March 31 : Gains (losses) (Millions) 2019 2018 Fixed-rate long-term debt $ (160) $ 210 Derivatives designated as hedging instruments 158 (191) Total $ (2) $ 19

Fair Values (Tables)

Fair Values (Tables)	3 Months Ended
	Mar. 31, 2019
Fair Values (Tables) [Abstract]
Fair value assets and liabilities measured on recurring basis	The followin g table summarizes our financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP’s fair value hierarchy, as of March 31 , 2019 and December 31, 2018 : 2019 2018 (Millions) Total Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Assets: Investment securities: (a) Equity securities $ 47 $ 1 $ 46 $ ― $ 48 $ 1 $ 47 $ ― Debt securities 6,410 ― 6,410 ― 4,599 ― 4,599 ― Derivatives, gross (a) 255 ― 255 ― 514 ― 514 ― Total Assets 6,712 1 6,711 ― 5,161 1 5,160 ― Liabilities: Derivatives, gross (a) 362 ― 362 ― 214 ― 214 ― Total Liabilities $ 362 $ ― $ 362 $ ― $ 214 $ ― $ 214 $ ― Refer to Note 5 for the fair values of investment securities and to Note 9 for the fair values of der ivative assets and liabilities, on a further disaggregated basis.
Estimated fair value of financial assets and financial liabilities	The following table summarizes the estima ted fair values of our financial assets and financial liabilities that are measured at amortized cost, and not required to be carried at fair value on a recurring basis, as of March 31 , 2019 and December 31, 2018 . The fair values of these financial instruments are estimates based upon the market conditions and perceived risks as of March 31 , 2019 and December 31, 2018 , and require management’s judgment. These figures may not be indicative of future fair value s, nor can the fair va lue of American Express be estimated by aggregating the amounts presented. Carrying Corresponding Fair Value Amount 2019 (Billions) Value Total Level 1 Level 2 Level 3 Financial Assets: Financial assets for which carrying values equal or approximate fair value Cash and cash equivalents (a) $ 33 $ 33 $ 32 $ 1 $ ― Other financial assets (b) 60 60 ― 60 ― Financial assets carried at other than fair value Loans, net (c) 83 83 ― ― 83 Financial Liabilities: Financial liabilities for which carrying values equal or approximate fair value 88 88 ― 88 ― Financial liabilities carried at other than fair value Certificates of deposit (d) 13 13 ― 13 ― Long-term debt (c) $ 58 $ 60 $ ― $ 60 $ ― Carrying Corresponding Fair Value Amount 2018 (Billions) Value Total Level 1 Level 2 Level 3 Financial Assets: Financial assets for which carrying values equal or approximate fair value Cash and cash equivalents (a) $ 27 $ 27 $ 26 $ 1 $ ― Other financial assets (b) 58 58 ― 58 ― Financial assets carried at other than fair value Loans, net (c) 83 84 ― ― 84 Financial Liabilities: Financial liabilities for which carrying values equal or approximate fair value 81 81 ― 81 ― Financial liabilities carried at other than fair value Certificates of deposit (d) 13 13 ― 13 ― Long-term debt (c) $ 58 $ 59 $ ― $ 59 $ ― Level 2 amounts reflect time deposits and short-term investments. Includes Card Member receivables (including fair values of Card Member receivables of $ 7.7 billion and $ 8.5 billion held by a consolidated VIE as of March 31 , 2019 and December 31, 2018 , respectively), Other receivables, restricted cash and other miscellaneous assets. Balances include amounts held by a consolidated VIE for which the fair values of Card Member loans were $ 31.3 billion and $ 33.0 billi on as of March 31 , 2019 and December 31, 2018 , respec tively, and the fair values of L ong-term debt were $ 19.6 billion and $ 19.4 billion as of March 31 , 2019 and December 31, 2018 , respectively. Presented as a component of C ustom er deposits on the Consolidated Balance Sheets.

Changes in Accumulated Other _2

Changes in Accumulated Other Comprehensive (Loss) Income (Tables)	3 Months Ended
	Mar. 31, 2019
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Components of comprehensive income (loss), net of tax	AOCI is comprised of items that have not been recognized in earnings but may be recognized in earnings in the future when certain events occur. Changes in each component for the three months ended March 31 , 2019 and 2018 were as follows: 2019 (Millions) , net of tax Net Unrealized Gains (Losses) on Debt Securities Foreign Currency Translation Adjustment Gains (Losses) Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) Accumulated Other Comprehensive (Loss) Income Balances as of December 31, 2018 $ (8) $ (2,133) $ (456) $ (2,597) Net unrealized gains 17 ― ― 17 Net translation gains on investments in foreign operations ― 170 ― 170 Net losses related to hedges of investments in foreign operations ― (162) ― (162) Pension and other postretirement benefits ― ― (27) (27) Net change in accumulated other comprehensive income (loss) 17 8 (27) (2) Balances as of March 31, 2019 $ 9 $ (2,125) $ (483) $ (2,599) 2018 (Millions) , net of tax Net Unrealized Gains (Losses) on Investment Securities Foreign Currency Translation Adjustment Gains (Losses) Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) Accumulated Other Comprehensive (Loss) Income Balances as of December 31, 2017 $ ― $ (1,961) $ (467) $ (2,428) Net unrealized losses (13) ― ― (13) Net translation gains on investments in foreign operations ― 192 ― 192 Net losses related to hedges of investments in foreign operations ― (162) ― (162) Pension and other postretirement benefits ― ― 28 28 Other (a) 2 ― ― 2 Net change in accumulated other comprehensive (loss) income (11) 30 28 47 Balances as of March 31, 2018 $ (11) $ (1,931) $ (439) $ (2,381) Represents unrealized gains and losses pertaining to equity securities moved from AOCI to retained earnings as of January 1, 2018, due to the prospective adoption of the financial instruments guidance effective January 1, 2018.
Accumulated Other Comprehensive Loss Income - Tax Effect	The following table shows the tax impact for the three months ended March 31 for the changes in each component of AOCI presented above: Tax expense (benefit) (Millions) 2019 2018 Net unrealized investment securities $ 4 $ (3) Net translation on investments in foreign operations 14 2 Net hedges of investments in foreign operations (50) (54) Pension and other postretirement benefits (11) 3 Total tax impact $ (43) $ (52)
Reclassification out of accumulated other comprehensive (loss) income	The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statements of Income for the three months ended March 31 , 2019 and 2018 : Gains (losses) recognized in earnings Amount Description ( Millions ) Income Statement Line Item 2019 2018 Foreign currency translation adjustments Reclassification of translation adjustments and related hedges Other expenses $ ― $ 1 Related income tax Income tax provision ― (1) Reclassification of foreign currency translation adjustments $ ― $ ―

Non-Interest Revenue and Expe_2

Non-Interest Revenue and Expense Detail (Tables)	3 Months Ended
	Mar. 31, 2019
Other Cost And Expense Disclosure Operating (Tables) [Abstract]
Details of other commissions and fees	The following is a detail of Other fees and commissions for the three months ended March 31: (Millions) 2019 2018 Fees charged to Card Members: Delinquency fees $ 251 $ 242 Foreign currency conversion fee revenue 230 225 Other customer fees: Loyalty coalition-related fees 114 111 Travel commissions and fees 108 99 Service fees and other (a) 100 104 Total Other fees and commissions $ 803 $ 781 Other includes Membership Rewards program fees that are not related to contracts with customers.
Detail of other, net expense	The following is a detail of Other expenses for the three months ended March 31 : (Millions) 2019 2018 Occupancy and equipment $ 508 $ 520 Professional services 494 457 Other (a) 599 457 Total Other expenses $ 1,601 $ 1,434 O ther expense primarily includes general operating expenses , a litigation-related charge, communication expenses, Card an d merchant-related fraud losses, and unrealized gains on certain equity investments.

Earnings Per Common Share (EP_2

Earnings Per Common Share (EPS) (Tables)	3 Months Ended
	Mar. 31, 2019
Earnings Per Share Reconciliation [Abstract]
Computation of basic and diluted EPS	The computations of basic and diluted EPS for the three months ended March 31 were as follows: (Millions, except per share amounts) 2019 2018 Numerator: Basic and diluted: Net income $ 1,550 $ 1,634 Preferred dividends (21) (21) Net income available to common shareholders $ 1,529 $ 1,613 Earnings allocated to participating share awards (a) (11) (13) Net income attributable to common shareholders $ 1,518 $ 1,600 Denominator: (a) Basic: Weighted-average common stock 841 859 Add: Weighted-average stock options (b) 2 2 Diluted 843 861 Basic EPS $ 1.81 $ 1.86 Diluted EPS $ 1.80 $ 1.86 Our unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities. The related participating securities are similarly excluded from the denominator. The dilutive effect of unex ercised stock options excludes from the computation of EPS 0.9 million and 0.6 million of options for the three months ended March 31 , 2019 and 2018 , respectively, because inclusion of the options would have been anti-dilutive .

Reportable Operating Segment (T

Reportable Operating Segment (Tables)	3 Months Ended
	Mar. 31, 2019
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]
Operating segment information	The following table presents certain selected financial information for our reportable operat ing segments and Corporate & Other as of or for the three months ended March 31: 2019 (Millions, except where indicated) GCSG GCS GMNS Corporate & Other (a) Consolidated Total non-interest revenues $ 3,741 $ 3,020 $ 1,525 $ 19 $ 8,305 Revenue from contracts with customers (b) 2,578 2,607 1,503 9 6,697 Interest income 2,272 454 9 219 2,954 Interest expense 459 241 (93) 288 895 Total revenues net of interest expense 5,554 3,233 1,627 (50) 10,364 Net income (loss) $ 821 $ 586 $ 631 $ (488) $ 1,550 Total assets (billions) $ 99 $ 54 $ 22 $ 22 $ 197 2018 (Millions, except where indicated) GCSG GCS GMNS Corporate & Other (a) Consolidated Total non-interest revenues $ 3,491 $ 2,838 $ 1,532 $ 16 $ 7,877 Revenue from contracts with customers (b) 2,438 2,454 1,491 4 6,387 Interest income 1,949 377 9 127 2,462 Interest expense 327 171 (59) 182 621 Total revenues net of interest expense 5,113 3,044 1,600 (39) 9,718 Net income (loss) $ 826 $ 546 $ 516 $ (254) $ 1,634 Total assets (billions) $ 91 $ 51 $ 20 $ 18 $ 180 Corporate & Other includes adjustments and eliminations for intersegment activity. Includes discount revenue, certain other fees and commissions and other revenues from customers.

Basis of Presentation (Details

Basis of Presentation (Details Textuals) $ in Millions	3 Months Ended
	Mar. 31, 2019USD ($)
Property, Plant and Equipment [Line Items]
Right-Of-Use Asset Obtained In Exchange For Operating Lease Liability	$ 700

Business Events (Details Textua

Business Events (Details Textuals) $ in Billions	Mar. 31, 2018USD ($)
Business Events (Line Items)
Value of outstanding principal and interest of purchased loans at acquisition of the acquired Hilton portfolio	$ 1

Loans and Accounts Receivable_2

Loans and Accounts Receivable (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Loans segment information
Card Member loans	$ 80,995	$ 81,854
Less: Reserve for losses	2,121	2,134	$ 1,786	$ 1,706
Card Member loans, net	78,874	79,720
Other loans, less reserves	3,965	3,676
Accounts Receivable and Loans Textuals [Abstract]
Card Member loans	80,995	81,854
Other loans, reserves	129	124
Variable Interest Enterprise [Member]
Loans segment information
Card Member loans	31,495	33,194
Accounts Receivable and Loans Textuals [Abstract]
Card Member loans	31,495	33,194
Global Consumer Services Group [Member]
Loans segment information
Card Member loans	67,938	69,458
Accounts Receivable and Loans Textuals [Abstract]
Card Member loans	67,938	69,458
Global Commercial Services [Member]
Loans segment information
Card Member loans	13,057	12,396
Accounts Receivable and Loans Textuals [Abstract]
Card Member loans	$ 13,057	$ 12,396

Loans and Accounts Receivable_3

Loans and Accounts Receivable (Details 1) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Accounts receivable segment information
Card Member receivables	$ 56,835	$ 55,893
Less: Reserve for losses	608	573	$ 565	$ 521
Card Member receivables, net	56,227	55,320
Other receivables, net	3,128	2,907
Accounts Receivable and Loans Textuals [Abstract]
Other receivables, reserves	25	25
Variable Interest Enterprise [Member]
Accounts receivable segment information
Card Member receivables	7,758	8,539
Global Consumer Services Group [Member]
Accounts receivable segment information
Card Member receivables	19,929	21,455
Global Commercial Services [Member]
Accounts receivable segment information
Card Member receivables	$ 36,906	$ 34,438

Loans and Accounts Receivable_4

Loans and Accounts Receivable (Details 2) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Financing receivable recorded investment aging
Card Member receivables Total Aging	$ 56,835	$ 55,893
Card Member loans total aging	80,995	81,854
Global Consumer Services Group [Member]
Financing receivable recorded investment aging
Card Member receivables Total Aging	19,929	21,455
Card Member loans total aging	67,938	69,458
Global Consumer Services Group [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Current	66,916	68,442
Global Consumer Services Group [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Current	19,667	21,207
Global Consumer Services Group [Member] | 30 to 59 [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Period past due	286	290
Global Consumer Services Group [Member] | 30 to 59 [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Period past due	85	80
Global Consumer Services Group [Member] | 60 to 89 [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Period past due	216	220
Global Consumer Services Group [Member] | 60 to 89 [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Period past due	58	50
Global Consumer Services Group [Member] | 90+ days past due [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Period past due	520	506
Global Consumer Services Group [Member] | 90+ days past due [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Period past due	119	118
Global Commercial Services [Member]
Financing receivable recorded investment aging
Card Member receivables Total Aging	36,906	34,438
Card Member loans total aging	13,057	12,396
Global Small Business Services [Member]
Financing receivable recorded investment aging
Card Member receivables Total Aging	17,347	16,728
Card Member loans total aging	12,991	12,351
Global Small Business Services [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Current	12,824	12,195
Global Small Business Services [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Current	17,061	16,460
Global Small Business Services [Member] | 30 to 59 [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Period past due	53	51
Global Small Business Services [Member] | 30 to 59 [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Period past due	105	101
Global Small Business Services [Member] | 60 to 89 [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Period past due	38	32
Global Small Business Services [Member] | 60 to 89 [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Period past due	62	53
Global Small Business Services [Member] | 90+ days past due [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Period past due	76	73
Global Small Business Services [Member] | 90+ days past due [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Period past due	119	114
Global Corporate Payments [Member]
Financing receivable recorded investment aging
Card Member receivables Total Aging	19,559	17,710
Card Member loans total aging	66	45
Global Corporate Payments [Member] | 90+ days past due [Member] | Card Member Loans [Member]
Financing receivable recorded investment aging
Period past due	0	0
Global Corporate Payments [Member] | 90+ days past due [Member] | Card Member Receivables [Member]
Financing receivable recorded investment aging
Period past due	$ 125	$ 129

Loans and Accounts Receivable_5

Loans and Accounts Receivable (Details 3)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Global Consumer Services Group [Member] | Card Member Loans [Member] | Net Write-Off Rate - Principal Only [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.023	0.02
Global Consumer Services Group [Member] | Card Member Loans [Member] | Net Write-Off Rate Principal Interest, and Fees [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.028	0.024
Global Consumer Services Group [Member] | Card Member Loans [Member] | 30 Days Past Due as a % of Total [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.015	0.014
Global Consumer Services Group [Member] | Card Member Receivables [Member] | Net Write-Off Rate - Principal Only [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.017	0.016
Global Consumer Services Group [Member] | Card Member Receivables [Member] | Net Write-Off Rate Principal Interest, and Fees [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.019	0.017
Global Consumer Services Group [Member] | Card Member Receivables [Member] | 30 Days Past Due as a % of Total [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.013	0.014
Global Corporate Payments [Member] | Card Member Receivables [Member] | Net Loss Ratio as a % of Charge Volume [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.0008	0.001
Global Corporate Payments [Member] | Card Member Receivables [Member] | 90 days past billing as a percentage of receivables [Member}
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.006	0.008
Global Small Business Services [Member] | Card Member Loans [Member] | Net Write-Off Rate - Principal Only [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.018	0.016
Global Small Business Services [Member] | Card Member Loans [Member] | Net Write-Off Rate Principal Interest, and Fees [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.021	0.019
Global Small Business Services [Member] | Card Member Loans [Member] | 30 Days Past Due as a % of Total [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.013	0.013
Global Small Business Services [Member] | Card Member Receivables [Member] | Net Write-Off Rate - Principal Only [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.019	0.017
Global Small Business Services [Member] | Card Member Receivables [Member] | Net Write-Off Rate Principal Interest, and Fees [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.021	0.019
Global Small Business Services [Member] | Card Member Receivables [Member] | 30 Days Past Due as a % of Total [Member]
Credit Quality Indicator for Loans and Receivables
Credit Quality Indicators	0.016	0.018

Loans and Accounts Receivable_6

Loans and Accounts Receivable (Details 4) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Impaired loans and receivables
Loans over 90 days past due and accruing interest	$ 391	$ 387
Non-accrual loans	299	279
Loans and receivables modified as a Troubled Debt Restructuring in Program	526	462
Loans and receivables modified as Troubled Debt Restructuring Out of Program	207	198
Total impaired loans and receivables	1,423	1,326
Unpaid principal balance	1,292	1,212
Related allowance for Troubled Debt Restructurings	115	101
Accounts Receivable and Loans Textuals [Abstract]
Total loans and receivables modified as a TDR, non-accrual	12	6
Total loans and receivables modified as a TDR, past due 90 days and still accruing	20	17
Out of Program TDR accounts that completed modification programs	156	148
Out of Program TDR accounts not in compliance with modification programs	51	50
Global Consumer Services Group [Member] | Card Member Loans [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	348	344
Non-accrual loans	250	236
Loans and receivables modified as a Troubled Debt Restructuring in Program	354	313
Loans and receivables modified as Troubled Debt Restructuring Out of Program	137	131
Total impaired loans and receivables	1,089	1,024
Unpaid principal balance	972	923
Related allowance for Troubled Debt Restructurings	93	80
Global Consumer Services Group [Member] | Card Member Loans [Member] | Non Us [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	77	69
Unpaid principal balance	64	68
Global Consumer Services Group [Member] | Card Member Receivables [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	0	0
Non-accrual loans	0	0
Loans and receivables modified as a Troubled Debt Restructuring in Program	35	29
Loans and receivables modified as Troubled Debt Restructuring Out of Program	12	13
Total impaired loans and receivables	47	42
Unpaid principal balance	47	42
Related allowance for Troubled Debt Restructurings	3	2
Global Commercial Services [Member] | Card Member Loans [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	43	43
Non-accrual loans	49	43
Loans and receivables modified as a Troubled Debt Restructuring in Program	67	59
Loans and receivables modified as Troubled Debt Restructuring Out of Program	30	29
Total impaired loans and receivables	189	174
Unpaid principal balance	176	161
Related allowance for Troubled Debt Restructurings	15	14
Global Commercial Services [Member] | Card Member Receivables [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	0	0
Non-accrual loans	0	0
Loans and receivables modified as a Troubled Debt Restructuring in Program	70	61
Loans and receivables modified as Troubled Debt Restructuring Out of Program	28	25
Total impaired loans and receivables	98	86
Unpaid principal balance	97	86
Related allowance for Troubled Debt Restructurings	$ 4	$ 5

Loans and Accounts Receivable_7

Loans and Accounts Receivable (Details 5) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	$ 1,375	$ 1,027
Interest income recognized	37	31
Global Consumer Services Group [Member] | Card Member Loans [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	1,057	801
Interest income recognized	31	26
Global Consumer Services Group [Member] | Card Member Receivables [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	45	27
Interest income recognized	0	0
Global Commercial Services [Member] | Card Member Loans [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	181	136
Interest income recognized	6	5
Global Commercial Services [Member] | Card Member Receivables [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	92	63
Interest income recognized	$ 0	$ 0

Loans and Accounts Receivable_8

Loans and Accounts Receivable (Details 6) pure in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2019USD ($)Mbp	Mar. 31, 2018USD ($)Mbp
Financing Receivable, Modifications [Line Items]
Number of Accounts (in thousands)	19	12
Aggregated Outstanding Balance	$ 168	$ 110
Card Member Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts (in thousands)	17	11
Aggregated Outstanding Balance	$ 128	$ 81
Average Interest Rate Reduction By Class Of Financial Instrument | bp	13	11
Card Member Receivables [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts (in thousands)	2	1
Aggregated Outstanding Balance	$ 40	$ 29
Average payment term extension | M	27	28

Loans and Accounts Receivable_9

Loans and Accounts Receivable (Details 7) pure in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2019USD ($)	Mar. 31, 2018USD ($)
Financing Receivable, Modifications [Line Items]
Number of Accounts (in thousands)	3	3
Aggregated Outstanding Balance Upon Payment Default	$ 21	$ 11
Card Member Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts (in thousands)	2	2
Aggregated Outstanding Balance Upon Payment Default	$ 17	$ 9
Card Member Receivables [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts (in thousands)	1	1
Aggregated Outstanding Balance Upon Payment Default	$ 4	$ 2

Reserves for Losses (Details)

Reserves for Losses (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Changes in the Card Member loans reserve for losses [Line Items]
Balance, January 1	$ 2,134	$ 1,706
Card Member loans provisions	525	499
Ending Balance	2,121	1,786
Other	11	10
Provisions for loans and lease losses deductions net write offs principal
Changes in the Card Member loans reserve for losses [Line Items]
Net Write-Offs Principal, Interest and Fees	(457)	(358)
Provisions for loans and lease losses deductions net write offs interest and fees
Changes in the Card Member loans reserve for losses [Line Items]
Net Write-Offs Principal, Interest and Fees	$ (92)	$ (71)

Reserves For Losses (Details 1)

Reserves For Losses (Details 1) - Card member loans evaluated separately and collectively for impairment [Member] - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Card Member Loans And Related Reserves Evaluated Separately And Collectively For Impairment [Line Items]
Card Member loans evaluated separately for impairment	$ 588	$ 532
Reserves on Card Member loans evaluated separately for impairment	108	94
Card Member loans evaluated collectively for impairment	80,407	81,322
Reserves on Card Member loans evaluated collectively for impairment	$ 2,013	$ 2,040

Reserves for Losses (Details 2)

Reserves for Losses (Details 2) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Accounts Receivable Reserve Roll Forward [line Items]
Balance, January 1	$ 573	$ 521
Provision For Doubtful Accounts	253	242
Card Member receivables net write-offs	(216)	(199)
Other	(2)	1
Ending Balance	$ 608	$ 565

Reserves for Losses (Details 3)

Reserves for Losses (Details 3) - Card Member Receivables Evaluated Separately And Collectively For Impairment [Member] - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Card Member Receivables And Related Reserves Evaluated Separately and Collectively For Impairment [Line Items]
Card Member receivables evaluated separately for impairment	$ 145	$ 128
Reserves on Card Member receivables evaluated separately for impairment	7	7
Card Member receivables evaluated collectively for impairment	56,690	55,765
Reserves on Card Member receivables evaluated collectively for impairment	$ 601	$ 566

Reserves For Losses (Details Te

Reserves For Losses (Details Textuals) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Card Member receivables net write-offs	$ (216)	$ (199)
Allowance for Card Member Receivables, Recoveries of Bad Debts	91	90
Allowance for Card Member Loans, Recoveries of Bad Debts	124	106
Other	11	10
Other	(2)	1
Foreign Currency Translation Adjustments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other	6	6
Other	3	10
Other Items [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other	5	4
Other	(5)	(9)
Troubled Debt Restructuring [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Card Member Receivables, Recoveries of Bad Debts	(4)	2
Allowance for Card Member Loans, Recoveries of Bad Debts	$ (15)	$ (7)

Investment Securities (Details)

Investment Securities (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
AvailableForSaleSecuritiesAbstract
Cost	$ 6,448	$ 4,659
Gross Unrealized Gains	22	10
Gross Unrealized Losses	(13)	(22)
Estimated Fair Value	6,457	4,647
U.S. States and Political Subdivisions Debt Securities [Member]
AvailableForSaleSecuritiesAbstract
Cost	342	594
Gross Unrealized Gains	6	4
Gross Unrealized Losses	(1)	(2)
Estimated Fair Value	347	596
U.S. Government agency obligations [Member]
AvailableForSaleSecuritiesAbstract
Cost	10	10
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Estimated Fair Value	10	10
U.S. Government treasury obligations [Member]
AvailableForSaleSecuritiesAbstract
Cost	5,404	3,452
Gross Unrealized Gains	14	5
Gross Unrealized Losses	(9)	(17)
Estimated Fair Value	5,409	3,440
Corporate debt securities [Member]
AvailableForSaleSecuritiesAbstract
Cost	29	28
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Estimated Fair Value	29	28
Mortgage-backed securities [Member]
AvailableForSaleSecuritiesAbstract
Cost	48	50
Gross Unrealized Gains	1	1
Gross Unrealized Losses	0	0
Estimated Fair Value	49	51
Equity securities [Member]
AvailableForSaleSecuritiesAbstract
Cost	50	51
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(3)	(3)
Estimated Fair Value	47	48
Foreign government bonds and obligations [Member]
AvailableForSaleSecuritiesAbstract
Cost	565	474
Gross Unrealized Gains	1	0
Gross Unrealized Losses	0	0
Estimated Fair Value	$ 566	$ 474

Investment Securities (Details

Investment Securities (Details 1) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	$ 0	$ 224
Estimated Fair Value, 12 months or more	1,050	873
Available For Sale Securities Continuous Unrealized Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 Months	0	(2)
Gross Unrealized Losses, 12 months or more	(10)	(16)
U.S. States and Political Subdivisions Debt Securities [Member]
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	0	0
Estimated Fair Value, 12 months or more	52	82
Available For Sale Securities Continuous Unrealized Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 Months	0	0
Gross Unrealized Losses, 12 months or more	(1)	(1)
U.S. Government treasury obligations [Member]
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	0	224
Estimated Fair Value, 12 months or more	998	791
Available For Sale Securities Continuous Unrealized Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 Months	0	(2)
Gross Unrealized Losses, 12 months or more	$ (9)	$ (15)

Investment Securities (Detail_2

Investment Securities (Details 2) $ in Millions	Mar. 31, 2019USD ($)securities	Dec. 31, 2018USD ($)securities
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions [Abstract]
Number of securities, less than 12 months | securities	0	2
Number of securities, 12 months or more | securities	26	29
Number of securities, total | securities	26	31
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Estimated Fair Value, Less than 12 months	$ 0	$ 224
Estimated Fair Value, 12 months or more	1,050	873
Estimated Fair Value, Total	1,050	1,097
Available For Sale Securities Continuous Unrealized Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 Months	0	(2)
Gross Unrealized Losses, 12 months or more	(10)	(16)
Gross Unrealized Losses, Total	$ (10)	$ (18)
Ratio Of Fair Value To Amortized Cost Between Ninety And One Hundred Percent [Member]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions [Abstract]
Number of securities, less than 12 months | securities	0	2
Number of securities, 12 months or more | securities	26	29
Number of securities, total | securities	26	31
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Estimated Fair Value, Less than 12 months	$ 0	$ 224
Estimated Fair Value, 12 months or more	1,050	873
Estimated Fair Value, Total	1,050	1,097
Available For Sale Securities Continuous Unrealized Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 Months	0	(2)
Gross Unrealized Losses, 12 months or more	(10)	(16)
Gross Unrealized Losses, Total	$ (10)	$ (18)

Investment Securities (Detail_3

Investment Securities (Details 3) $ in Millions	Mar. 31, 2019USD ($)
Available For Sale Securities Debt Maturities Amortized Cost [Abstract]
Due within 1 year	$ 4,599
Due after 1 year but within 5 years	1,315
Due after 5 years but within 10 years	179
Due after 10 years	305
Total	6,398
Estimated Fair Value
Estimated Fair Value, Due within 1 year	4,600
Estimated Fair Value, Due after 1 year but within 5 years	1,319
Estimated Fair Value, Due after 5 years but within 10 years	181
Estimated Fair Value, Due after 10 years	310
Total	$ 6,410

Asset Securitizations (Details)

Asset Securitizations (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Assets from Trusts [Line Items]
Restricted cash included in Other assets per Consolidated Balance Sheets	$ 454	$ 363	$ 414	$ 336
Variable Interest Entity
Assets from Trusts [Line Items]
Restricted cash included in Other assets per Consolidated Balance Sheets	84	70
American Express Charge Trust [Member] | Variable Interest Entity
Assets from Trusts [Line Items]
Restricted cash included in Other assets per Consolidated Balance Sheets	1	3
American Express Lending Trust [Member] | Variable Interest Entity
Assets from Trusts [Line Items]
Restricted cash included in Other assets per Consolidated Balance Sheets	$ 83	$ 67

Asset Securitizations (Details

Asset Securitizations (Details Textuals) $ in Billions	Mar. 31, 2019USD ($)
American Express Charge Trust [Member]
Securitized Trusts [Line Items]
Direct and Indirect ownership of variable interests	$ 7.8
American Express Lending Trust [Member]
Securitized Trusts [Line Items]
Direct and Indirect ownership of variable interests	$ 12.3

Customer Deposits (Details)

Customer Deposits (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
U.S.:
Interest-bearing	$ 72,110	$ 69,144
Non-interest-bearing	368	412
Non-U.S.:
Interest-bearing	27	28
Non-interest-bearing	352	376
Total customer deposits	72,857	69,960
Card Member Credit Balances [Member]
U.S.:
Non-interest-bearing	334	376
Non-U.S.:
Non-interest-bearing	$ 343	$ 367

Customer Deposits (Details 1)

Customer Deposits (Details 1) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
U.S. retail deposits:
Savings accounts - Direct	$ 43,345	$ 39,491
Certificates of deposit - Direct	1,107	817
Certificates of deposit - Third party	12,189	12,667
Sweep accounts - Third party	15,469	16,169
Other retail deposits:
U.S. non-interest bearing deposits, Other	34	36
Non-US Deposits, Other	36	37
Card Member credit balances - U.S. and non-U.S.	677	743
Total customer deposits	$ 72,857	$ 69,960

Customer Deposits (Details 2)

Customer Deposits (Details 2) $ in Thousands	Mar. 31, 2019USD ($)
Time Deposits By Maturity
2019	$ 4,262,000
2020	4,410,000
2021	1,937,000
2022	2,292,000
2023	327,000
After 5 years	85,000
Total	13,313,000
United States [Member]
Time Deposits By Maturity
2019	4,249,000
2020	4,406,000
2021	1,937,000
2022	2,292,000
2023	327,000
After 5 years	85,000
Total	13,296,000
Non United States [Member]
Time Deposits By Maturity
2019	13,000
2020	4,000
2021	0
2022	0
2023	0
After 5 years	0
Total	$ 17,000

Customer Deposits (Details 3)

Customer Deposits (Details 3) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Time Deposits $250,000 Or More [Line Items]
Time Deposits, $100,000 or More	$ 380	$ 285
United States [Member]
Time Deposits $250,000 Or More [Line Items]
Time Deposits, $100,000 or More	373	276
Non Us [Member]
Time Deposits $250,000 Or More [Line Items]
Time Deposits, $100,000 or More	$ 7	$ 9

Customer Deposits (Details Text

Customer Deposits (Details Textuals)	Mar. 31, 2019M
Customer Deposits Textuals [Abstract]
Weighted Average Rate Domestic Deposit Certificates Of Deposit	2.40%
Weighted Average Maturity of Certificates of Deposits (in Months)	47

Contingencies (Details Textuals

Contingencies (Details Textuals) $ in Millions	Mar. 31, 2019USD ($)
Loss Contingencies [Line Items]
Loss Contingency Estimate Of Possible Loss	$ 240
Minimum [Member]
Loss Contingencies [Line Items]
Loss Contingency Estimate Of Possible Loss	$ 0

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Derivatives, Fair Value [Line Items]
Total fair value of derivative assets	$ 255	$ 514
Total fair value of derivative liabilities	362	214
Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative asset and liability netting	(105)	(90)
Total derivatives assets, net	104	396
Cash collateral netting, Assets	(46)	(28)
Other Assets [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivative assets	108	256
Other Assets [Member] | Interest Rate Contract [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total derivatives assets, net	66	34
Other Assets [Member] | Foreign exchange contracts [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total derivatives assets, net	42	222
Other Assets [Member] | Foreign exchange contracts [Member] | Not Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivative assets	147	258
Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative asset and liability netting	(105)	(90)
Total derivative liabilities, net	222	46
Cash collateral netting, Liabilities	(35)	(78)
Other Liabilities [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivative liabilities	177	135
Other Liabilities [Member] | Interest Rate Contract [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total derivative liabilities, net	39	74
Other Liabilities [Member] | Foreign exchange contracts [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total derivative liabilities, net	138	61
Other Liabilities [Member] | Foreign exchange contracts [Member] | Not Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivative liabilities	$ 185	$ 79

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities (Details 1) - Interest Expense [Member] - Interest Rate Contracts [Member] - Fair Value Hedges [Member] - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Fixed-rate long-term debt	$ (160)	$ 210
Derivatives designated as hedging instruments	158	(191)
Total	$ (2)	$ 19

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities (Details Textuals) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Derivatives and Hedging Activities (Textuals) [Abstract]
Net reduction in interest expense on long term debt and other	$ (38)	$ 14
Derivative asset not offset	0		$ 0
Derivative liabilities not offset	0		0
Margin On Interest Rate Swap Not Netted	70		84
Derivative [Line Items]
Cumulative amount of fair value hedging adjustment	(81)		(241)
Other Expense [Member]
Derivative [Line Items]
Gain (Loss) in Changes of Fair Value of Derivatives not designated as hedges	4	(21)
Gain on embedded derivatives	0	(2)
Fair Value Hedges [Member]
Derivative [Line Items]
Notional amount of long-term debt	22,800		24,000
Net Investment Hedges [Member]
Derivative [Line Items]
Effective portion of gain (loss) on hedges	(162)	(162)
Notional Amount of Foreign Currency Derivatives	9,500		9,600
Net Investment Hedges [Member] | Other Expense [Member]
Derivative [Line Items]
Amount reclassified from AOCI into income	0	$ 1
Carrying Value [Member]
Derivative [Line Items]
Notional amount of long-term debt	$ 22,600		$ 23,700

Fair Values (Details)

Fair Values (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Investment securities:
Equity securities	$ 47	$ 48
Debt securities	6,410	4,599
Derivative assets	255	514
AssetsFairValueDisclosure	6,712	5,161
Liabilities
Derivative liabilities	362	214
LiabilitiesFairValueDisclosure	362	214
Level 1 [Member]
Investment securities:
Equity securities	1	1
Debt securities	0	0
Derivative assets	0	0
AssetsFairValueDisclosure	1	1
Liabilities
Derivative liabilities	0	0
LiabilitiesFairValueDisclosure	0	0
Level 2 [Member]
Investment securities:
Equity securities	46	47
Debt securities	6,410	4,599
Derivative assets	255	514
AssetsFairValueDisclosure	6,711	5,160
Liabilities
Derivative liabilities	362	214
LiabilitiesFairValueDisclosure	362	214
Level 3 [Member]
Investment securities:
Equity securities	0	0
Debt securities	0	0
Derivative assets	0	0
AssetsFairValueDisclosure	0	0
Liabilities
Derivative liabilities	0	0
LiabilitiesFairValueDisclosure	$ 0	$ 0

Fair Values (Details 2)

Fair Values (Details 2) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents per Consolidated Balance Sheets	$ 33,177	$ 27,445	$ 31,092	$ 32,927
Financial liabilities carried at other than fair value
Certificates of deposit	13,313
Long-term debt	58,418	58,423
Fair Values (Textuals) [Abstract]
Accounts receivable, less reserves	56,227	55,320
Card Member loans, net	78,874	79,720
Variable Interest Enterprise [Member]
Financial liabilities carried at other than fair value
Long-term debt	19,538	19,509
Carrying Value [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents per Consolidated Balance Sheets	33,000	27,000
Other financial assets	60,000	58,000
Financial assets carried at other than fair value
Loans, Net	83,000	83,000
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	88,000	81,000
Financial liabilities carried at other than fair value
Certificates of deposit	13,000	13,000
Long-term debt	58,000	58,000
Estimate of Fair Value, Fair Value Disclosure [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents per Consolidated Balance Sheets	33,000	27,000
Other financial assets	60,000	58,000
Financial assets carried at other than fair value
Loans, Net	83,000	84,000
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	88,000	81,000
Financial liabilities carried at other than fair value
Certificates of deposit	13,000	13,000
Long-term debt	60,000	59,000
Estimate of Fair Value, Fair Value Disclosure [Member] | Variable Interest Enterprise [Member]
Financial liabilities carried at other than fair value
Long-term debt	19,600	19,400
Fair Values (Textuals) [Abstract]
Accounts receivable, less reserves	7,700	8,500
Card Member loans, net	31,300	33,000
Level 1 [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents per Consolidated Balance Sheets	32,000	26,000
Other financial assets	0	0
Financial assets carried at other than fair value
Loans, Net	0	0
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	0	0
Financial liabilities carried at other than fair value
Certificates of deposit	0	0
Long-term debt	0	0
Level 2 [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents per Consolidated Balance Sheets	1,000	1,000
Other financial assets	60,000	58,000
Financial assets carried at other than fair value
Loans, Net	0	0
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	88,000	81,000
Financial liabilities carried at other than fair value
Certificates of deposit	13,000	13,000
Long-term debt	60,000	59,000
Level 3 [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents per Consolidated Balance Sheets	0	0
Other financial assets	0	0
Financial assets carried at other than fair value
Loans, Net	83,000	84,000
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	0	0
Financial liabilities carried at other than fair value
Certificates of deposit	0	0
Long-term debt	$ 0	$ 0

Fair Values (Details Textuals)

Fair Values (Details Textuals) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value for impairment	$ 0	$ 0

Guarantees (Details)

Guarantees (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Type of Guarantee
Maximum potential amount of undiscounted future payments	$ 1,000	$ 1,000
Amount of related liability	$ 34	$ 46

Changes in Accumulated Other _3

Changes in Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	$ (2,597)
Net unrealized Pension and other postretirement benefits, net of tax	(27)	$ 28
Balance as of end of period	(2,599)
Tax impact for the changes in each component of accumulated other comprehensive (loss) income
Investment securities	4	(3)
Foreign currency translation adjustments	14	2
Net investment hedges	(50)	(54)
Pension and other postretirement benefits	(11)	3
Total tax impact	(43)	(52)
Accumulated Other Comprehensive Loss [Member]
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	(2,597)	(2,428)
Net unrealized gains	17	(13)
Net translation of investments in foreign operations	170	192
Net gains (losses) related to hedges of investment in foreign operations	(162)	(162)
Net unrealized Pension and other postretirement benefits, net of tax	(27)	28
Other - Net Unrealized Gains (Losses) on Equity Securities		2
Net change in accumulated other comprehensive (loss) income	(2)	47
Balance as of end of period	(2,599)	(2,381)
Net Unrealized Gains (Losses) on Investment Securities [Member]
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	(8)	0
Net unrealized gains	17	(13)
Net translation of investments in foreign operations	0	0
Net gains (losses) related to hedges of investment in foreign operations	0	0
Net unrealized Pension and other postretirement benefits, net of tax	0	0
Other - Net Unrealized Gains (Losses) on Equity Securities		2
Net change in accumulated other comprehensive (loss) income	17	(11)
Balance as of end of period	9	(11)
Foreign Currency Translation Adjustments [Member]
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	(2,133)	(1,961)
Net unrealized gains	0	0
Net translation of investments in foreign operations	170	192
Net gains (losses) related to hedges of investment in foreign operations	(162)	(162)
Net unrealized Pension and other postretirement benefits, net of tax	0	0
Other - Net Unrealized Gains (Losses) on Equity Securities		0
Net change in accumulated other comprehensive (loss) income	8	30
Balance as of end of period	(2,125)	(1,931)
Net Unrealized Pension and Other Postretirement Gains (Losses) [Member]
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	(456)	(467)
Net unrealized gains	0	0
Net translation of investments in foreign operations	0	0
Net gains (losses) related to hedges of investment in foreign operations	0	0
Net unrealized Pension and other postretirement benefits, net of tax	(27)	28
Other - Net Unrealized Gains (Losses) on Equity Securities		0
Net change in accumulated other comprehensive (loss) income	(27)	28
Balance as of end of period	$ (483)	$ (439)

Changes in Accumulated Other _4

Changes in Accumulated Other Comprehensive (Loss) Income (Details 1) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other expenses	$ (1,601)	$ (1,434)
Reclassification out of accumulated other comprehensive income [Member] | Foreign Currency Translation Adjustments [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other expenses	0	1
Income tax provision for other, net expense	0	(1)
Other, net expense, net of taxes	$ 0	$ 0

Non-Interest Revenue and Expe_3

Non-Interest Revenue and Expense Detail (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Non Interest Income [Line Items]
Delinquency fees	$ 251	$ 242
Foreign currency conversion fee revenue	230	225
Loyalty Partner-related fees	114	111
Travel commissions and fees	108	99
Service fees	100	104
Other Fees and Commissions
Non Interest Income [Line Items]
Revenues and Fees	$ 803	$ 781

Non-Interest Revenue and Expe_4

Non-Interest Revenue and Expense Detail (Details 1) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Details Of Certain Statements Of Income Lines Details [Abstract]
Professional services	$ 494	$ 457
Occupancy and equipment	508	520
Other	599	457
Total other, net	$ 1,601	$ 1,434

Income Taxes (Details Textuals)

Income Taxes (Details Textuals) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Income Taxes (Textuals)
Unrecognized tax benefits change as a result of potential resolutions of prior years' tax	$ 113
Actual tax rates	20.80%	21.50%
Unrecognized tax benefits that, if recognized, could impact effective tax rate.	$ 95
Internal Revenue Service (IRS) [Member] | Earliest Year [Member]
Income Tax Contingency [Line Items]
Open tax years by major tax jurisdiction	2015
Tax Audit Settlement Years			2008
Internal Revenue Service (IRS) [Member] | Latest Year [Member]
Income Tax Contingency [Line Items]
Tax Audit Settlement Years			2014

Earnings Per Common Share (EP_3

Earnings Per Common Share (EPS) (Details) - USD ($) $ / shares in Units, $ in Millions		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
Basic and diluted:
Net income		$ 1,550	$ 1,634
Preferred dividends		(21)	(21)
Net Income Loss Available to Common Shareholders		1,529	1,613
Earnings allocated to participating share awards		(11)	(13)
Net Income Attributable to Common Shareholders		$ 1,518	$ 1,600
Denominator:
Basic		841	859
Add: Weighted-average stock options		2	2
Diluted		843	861
Earnings Per Common Share, Basic (Note 15) [Abstract]
Net income attributable to common shareholders	[1]	$ 1.81	$ 1.86
Earnings Per Common Share, Diluted (Note 15) [Abstract]
Net income attributable to common shareholders	[1]	$ 1.8	$ 1.86
Stock options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per Share, amount		900,000	600,000
[1]	Represents net income less (i) earnings allocated to participating share awards of $ 11 million and $ 13 million for the three months ended March 31 , 2019 and 2018 , respectively, and (ii) dividends on preferred shares of $ 21 million for both the three months ended March 31 , 2019 and 2018 .

Reportable Operating Segments a

Reportable Operating Segments and Geographic Operations (Details) - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Segment Reporting Information [Line Items]
Non-interest revenues		$ 8,305	$ 7,877
Revenue from contracts with customers	[1]	6,697	6,387
Interest income		2,954	2,462
Interest expense		895	621
Total revenues, net of interest expense		10,364	9,718
Net income		1,550	1,634
Total assets		197,193	180,000	$ 188,602
Global Consumer Services Group [Member]
Segment Reporting Information [Line Items]
Non-interest revenues		3,741	3,491
Revenue from contracts with customers	[1]	2,578	2,438
Interest income		2,272	1,949
Interest expense		459	327
Total revenues, net of interest expense		5,554	5,113
Net income		821	826
Total assets		98,500	91,000
Global Commercial Services [Member]
Segment Reporting Information [Line Items]
Non-interest revenues		3,020	2,838
Revenue from contracts with customers	[1]	2,607	2,454
Interest income		454	377
Interest expense		241	171
Total revenues, net of interest expense		3,233	3,044
Net income		586	546
Total assets		54,000	51,000
Global Merchant and Network Services [Member]
Segment Reporting Information [Line Items]
Non-interest revenues		1,525	1,532
Revenue from contracts with customers	[1]	1,503	1,491
Interest income		9	9
Interest expense		(93)	(59)
Total revenues, net of interest expense		1,627	1,600
Net income		631	516
Total assets		22,100	20,000
Corporate and Other [Member]
Segment Reporting Information [Line Items]
Non-interest revenues		19	16
Revenue from contracts with customers	[1]	9	4
Interest income		219	127
Interest expense		288	182
Total revenues, net of interest expense		(50)	(39)
Net income		(488)	(254)
Total assets		$ 22,400	$ 18,000
[1]	Includes discount revenue, certain other fees and commissions and other revenues from customers