20 bank holding companies with the largest credit card loan portfolios

March 20, 2025 9:00 AM

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The top five bank holding companies had combined total credit card loan portfolios of more than $740 billion as of Dec. 31. Most banks increased their loan totals over the previous year, with Ally Bank seeing the largest increase of 15.3%.

Scroll through to see which bank holding companies, listed by U.S. headquarters, are in the top 20 and how they fared in the 12 months ended December.

Source: S&P

Rank	Company name	City	State	Credit card loans 2024 Q4	Credit card loans 2023 Q4	YOY change
20	Regions Bank	Birmingham	AL	$1,445,000,000	$1,341,000,000	7.8%
19	Fifth Third Bank	Cincinnati		$1,734,000,000	$1,865,000,000	-7%
18	Stride Bank	Enid	OK	$1,764,971,000	N/A	N/A
17	Citizens Bank	Providence	RI	$1,985,684,000	$2,093,707,000	-5.2%
16	Ally Bank	Detroit		$2,294,000,000	$1,990,000,000	15.3%
15	Truist Bank	Charlotte	NC	$3,363,000,000	$3,488,000,000	-3.6%
14	PNC Bank	Pittsburgh		$5,957,483,000	$6,231,417,000	-4.4%
13	TD Bank	Cherry Hill	NJ	$15,361,087,000	$15,305,535,000	0.4%
12	USAA	San Antonio		$17,452,000,000	$16,587,000,000	5.2%
11	Goldman Sachs	New York		$21,278,000,000	$19,237,000,000	10.6%
10	U.S. Bank	Minneapolis		$30,642,000,000	$28,711,000,000	6.7%
9	Barclays	New York		$32,571,000,000	$31,792,000,000	2.5%
8	Wells Fargo	San Francisco		$56,542,000,000	$53,047,000,000	6.6%
7	Synchrony Bank	Stamford	CT	$96,817,000,000	$97,043,000,000	-0.2%
6	Discover	Riverwoods	IL	$102,649,310,000	$102,110,392,000	0.5%
5	Bank of America	Charlotte	NC	$103,566,000,000	$102,200,000,000	1.3%
4	American Express	New York		$107,645,000,000	$98,132,000,000	9.7%
3	Capital One	McLean	VA	$149,391,627,000	$142,382,463,000	4.9%
2	Citibank	New York		$177,656,000,000	$173,014,000,000	2.7%
1	JPMorgan Chase	New York		$203,572,000,000	$185,793,000,000	9.6%