Card Income Interchange Fees — Card income and service charges
Products & Services · Card income and service chargesBank of America Card Income Interchange Fees — Card income and service charges decreased by 5.7% to $934.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 9.2%, from $1.03B to $934.00M. Over 4 years (FY 2021 to FY 2025), Card Income Interchange Fees — Card income and service charges shows a downward trend with a -4.0% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase suggests higher consumer spending volume or improved card penetration, while a decrease may indicate reduced transaction activity or competitive pressure on fee structures.
Detailed definition
This metric represents the revenue generated from transaction-based fees earned when customers use debit or credit cards...
Peer comparison
Peers typically report this under non-interest income or card-related revenue, with performance highly correlated to broader consumer spending trends and payment network dynamics.
bac_segment_interchange_fees_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 | $1.21B | $1.15B | $1.13B | $935.00M | $1.07B | $1.06B | $1.03B | $956.00M | $1.02B | $994.00M | $1.01B | $931.00M | $1.02B | $1.03B | $1.03B | $916.00M | $1.04B | $990.00M | $934.00M |
| QoQ Change | — | -4.6% | -2.2% | -17.2% | +14.7% | -1.1% | -2.9% | -7.1% | +7.0% | -2.8% | +1.6% | -7.8% | +9.9% | +0.7% | -0.1% | -11.0% | +13.1% | -4.4% | -5.7% |
| YoY Change | — | — | — | — | -11.4% | -8.1% | -8.9% | +2.2% | -4.6% | -6.2% | -1.8% | -2.6% | +0.0% | +3.6% | +1.9% | -1.6% | +1.3% | -3.9% | -9.2% |
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Frequently Asked Questions
- What is Bank of America's card income interchange fees — card income and service charges?
- Bank of America (BAC) reported card income interchange fees — card income and service charges of $934.00M in Q4 2025.
- How has Bank of America's card income interchange fees — card income and service charges changed year-over-year?
- Bank of America's card income interchange fees — card income and service charges decreased by 9.2% year-over-year, from $1.03B to $934.00M.
- What is the long-term trend for Bank of America's card income interchange fees — card income and service charges?
- Over 4 years (2021 to 2025), Bank of America's card income interchange fees — card income and service charges has grown at a -4.0% compound annual growth rate (CAGR), from $4.56B to $3.88B.
- What does card income interchange fees — card income and service charges mean?
- Revenue earned from fees charged to merchants and cardholders for processing card transactions and providing card services.