Credit Card — Card income and service charges
Products & Services · Card income and service chargesBank of America Credit Card — Card income and service charges decreased by 3.9% to $1.57B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 3.5%, from $1.62B to $1.57B. Over 4 years (FY 2021 to FY 2025), Credit Card — Card income and service charges shows relatively stable performance with a 0.6% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase suggests higher transaction volumes or improved fee-based service utilization, while a decrease may indicate lower consumer spending or competitive pressure on fee structures.
Detailed definition
This metric represents the revenue generated from credit and debit card-related service fees, including interchange fees...
Peer comparison
Comparable to non-interest income from card services at other large retail banks, often benchmarked against total card-related revenue or fee-to-asset ratios.
bac_segment_card_income_card_income_and_service_chargesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.59B | $1.58B | $1.61B | $1.40B | $1.56B | $1.57B | $1.55B | $1.47B | $1.55B | $1.52B | $1.52B | $1.46B | $1.58B | $1.62B | $1.62B | $1.52B | $1.65B | $1.63B | $1.57B |
| QoQ Change | — | -0.2% | +2.0% | -13.1% | +10.8% | +1.2% | -1.3% | -5.3% | +5.2% | -1.7% | -0.1% | -3.7% | +8.1% | +2.3% | +0.2% | -6.4% | +8.4% | -1.0% | -3.9% |
| YoY Change | — | — | — | — | -2.0% | -0.6% | -3.8% | +4.7% | -0.6% | -3.4% | -2.1% | -0.4% | +2.3% | +6.4% | +6.8% | +3.8% | +4.1% | +0.7% | -3.5% |
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Frequently Asked Questions
- What is Bank of America's credit card — card income and service charges?
- Bank of America (BAC) reported credit card — card income and service charges of $1.57B in Q4 2025.
- How has Bank of America's credit card — card income and service charges changed year-over-year?
- Bank of America's credit card — card income and service charges decreased by 3.5% year-over-year, from $1.62B to $1.57B.
- What is the long-term trend for Bank of America's credit card — card income and service charges?
- Over 4 years (2021 to 2025), Bank of America's credit card — card income and service charges has grown at a 0.6% compound annual growth rate (CAGR), from $6.22B to $6.36B.
- What does credit card — card income and service charges mean?
- Revenue earned from fees associated with credit and debit card services and account usage.