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2016 Credit Card Landscape Report

Landscape 2016Not only do credit card offers regularly fluctuate in value, corresponding to changes in the economic climate or issuer strategy, but credit card market trends are also extremely revealing about the health of the country’s economy and that of its consumers. Keeping track of this information is therefore essential to finding the best deals and truly understanding the financial climate.

CardHub aims to provide the requisite insights by monitoring market data regarding interest rates, rewards and fees across credit segments and highlighting the most important trends in our quarterly credit card landscape reports. Below you can check out our latest findings, including a breakdown of how credit card interest rates have reacted to the Federal Reserve’s decision to raise its target rate.

Q1 Main Findings

Interest Rates

  • Interest rates are higher across the board relative to Q1 2015, with the “fair credit” (6.72%) and “secured” (3.29%) segments seeing the biggest increases.
  • Rates also increased from the end of 2015, for the most part. Only two market segments – “fair credit” (-0.90%) and “store cards” (-0.75%) – bucked this trend, and the regression was extremely small.
  • On average, credit card interest rates have increased 2.24% since the Federal Reserve raised its target rate in December 2015.

Initial Perks (0% APRs & Rewards Bonuses)

  • Interest-free introductory terms are still 15% longer for balance transfers than new purchases, despite the gap shrinking by 10% in Q1 2016 compared to last quarter . The persisting discrepancy reinforces CardHub’s hypothesis that issuers are more intent on attracting the balances of consumers already mired in debt than incentivizing people to incur new debt in a recovering, yet uncertain economy. Balance transfer fees on 0% cards also fell slightly relative to the previous quarter (-0.66%).
  • The value of initial rewards bonuses offered in the form of points or miles decreased by 5.98% during Q1 2016. However, such bonuses have more than doubled in value since Q3 2010, and this likely represents stabilization. Supporting this conclusion, the value of cash-based initial bonuses did not change during the first quarter and has increased just 1.01% on a year-over-year basis.

Fees

  • The average annual fee increased slightly (1.82%) during Q1, and is now $16.81.
  • Foreign transaction fees continued to drop during the first quarter, falling 2.35% from the previous quarter and 9.57% relative to the first quarter of 2015. The average foreign transaction fee has now declined by 17% since the beginning of 2011.
  • Credit card companies continue to exploit the weakness of cash-hungry customers, increasing cash advance fees by roughly 1.31% during the first quarter of 2016 and 66% since the end of 2012. The average cash advance fee is now the greater of 4% or $14.07.

Complaints & Satisfaction

  • Q1 2016 marked a peak for credit card complaints, with the overall volume rising by 38% from the previous high in Q4 2015.
  • Complaints pertaining to “fees” increased the most from Q4 2015 to Q1 2016, rising by 25.23%.
  • “Customer service and customer relations” complaints declined the most from Q4 2015 to Q1 2016 (-14.18%), followed closely by complaints related to “credit” (-13.12%).
  • “Billing” complaints are still the most popular overall, by a wide margin, despite declining for the past three quarters and 21.28% on a year-over-year basis.
  • Consumers were most satisfied with Navy Federal Credit Union during the first quarter of 2016, with the institution earning a CardHub Satisfaction Score of 95.73. Synchrony Bank had the least satisfied consumers, with a Satisfaction Score of 68.48.

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Interest Rates

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4 Change
Excellent Credit 12.77%
(-0.85%)
12.77%
(-1.47%)
12.84%
(-0.23%)
13.02%
(0.46%)
1.40%
Good Credit 17.47%
(1.04%)
17.71%
(1.78%)
17.70%
(1.61%)
17.92%
(1.93%)
1.24%
Fair Credit 20.36%
(-3.37%)
20.31%
(-3.05%)
21.16%
(6.60%)
20.97%
(6.72%)
-0.90%
Secured Credit Cards 18.83%
(-2.44%)
18.79%
(-0.90%)
18.90%
(-0.94%)
19.49%
(3.29%)
3.12%
Student Credit Cards 17.23%
(3.42%)
17.19%
(3.18%)
17.36%
(4.20%)
17.44%
(1.34%)
0.46%
Business Credit Cards 15.83%
(2.06%)
15.78%
(1.74%)
15.85%
(2.66%)
16.01%
(0.69%)
1.01%
Store Credit Cards 23.55%
(0.09%)
23.56%
(0.12%)
24.27%
(3.40%)
24.09%
(2.29%)
-0.75%
Average Interest Rate for All New Offers 17.60%
(0.09%)
17.61%
(0.11%)
17.83%
(1.63%)
18.00%
(2.30%)
0.98%

The interest rates in the table above pertain to new accounts opened during the first quarter of 2016. For averages that show how much existing cardholders are paying, please see our Historical Interest Rates page.
 

Interest Rate Landscape

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Balance Transfer Landscape

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4 Change
Average Length of 0% APR Intro Period (in months) 11.13
(5.30%)
11.21
(3.70%)
11.17
(-0.18%)
11.02
(-1.25%)
-1.34%
Range of 0% APR Intro Periods (in months) 6-24 months 6-24 months 6-24 months 6-24 months N/A
Average Regular APR for Cards that have 0% Intro APR on Balance Transfers 17.15%
(4.45%)
17.04%
(2.40%)
17.21%
(2.26%)
17.30%
(0.82%)
0.52%
Range of Regular APRs for Cards that have 0% Intro APR on Balance Transfers 7.99% – 25.99% 6.90% – 25.99% 6.90% – 26.24% 7.15% – 26.24% N/A
Average Balance Transfer Fee for Cards with 0% Intro APR on Balance Transfers 3.06%
(0.66%)
3.04%
(-0.33%)
3.04%
(-0.33%)
3.02%
(-0.33%)
-0.66%

New Purchase Landscape

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q4 vs. Q3 Change
Average Length of 0% Intro Period (in months) 9.56
(-4.40%)
9.59
(-3.23%)
9.60
(-2.74%)
9.61
(-0.83%)
0.10%
Range of 0% APR Intro Periods (in months) 6-21 months 6-21 months 6-21 months 6-21 months N/A
Average Regular APR for Cards that have 0% Intro APR on New Purchases 17.35%
(2.72%)
17.51%
(3.06%)
17.63%
(3.40%)
17.76%
(2.30%)
0.74%
Range of regular APRs for Cards that have 0% Intro APR on Purchases 8.15% -26.99% 6.90% -29.24% 6.90% -29.49% 7.15% -29.49% N/A

 

0% Introductory Periods

Penalty APRs

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4 Change
Average 27.79%
(-0.82%)
27.83%
(-0.39%)
27.93%
(-0.21%)
27.95%
(-0.29%)
0.07%
Range 16.99% – 29.99% 16.99% – 29.99% 16.99% – 30.24% 16.99% – 30.24% N/A

Cash Advances

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4 Change
Average APR 22.33%
(-0.82%)
22.36%
(-1.32%)
22.50%
(-0.21%)
22.66%
(-0.29%)
0.71%
APR Range 6.25% – 36.00% 6.25% – 36.00% 6.25% – 36.00% 6.5% – 36.00% N/A
Average Cash Advance Fee % 3.98%
(2.05%)
3.98%
(-0.50%)
4.02%
(0.75%)
4.00%
(0.76%)
-0.50%
Average Cash Advance Fee $ amount $14.08
(13.46%)
$14.11
(10.41%)
$14.51
(11.19%)
$14.70
(11.79%)
1.31%
Cash Advance

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Rewards

Cash Back

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4 Change
Average Base Earn Rate 1.00%
(3.09%)
1.00%
(2.04%)
1.00%
(2.04%)
1.00%
(1.01%)
0.00%
Range of Base Earn Rate 0.5% – 2% 0.25% – 2% 0.25% – 2% 0.25% – 2% N/A
Average Initial Bonus $99.50
(-2.17%)
$99.19
(2.82%)
$99.56
(3.34%)
$98.71
(3.86%)
-0.85%
Range of Initial Bonus $10 – $250 $10 – $500 $10 – $500 $10 – $500 N/A

Miles or Points

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4 Change
Average Base Earn Rate (in miles or points) 1.16
(0.87%)
1.17
(1.74%)
1.16
(0.87%)
1.16
(-0.85%)
0.00%
Range of Base Earn Rate 0.01 – 5 miles / points 0.01 – 10 miles / points 0.01 – 10 miles / points 0.01 – 10 miles / points N/A
Average Initial Bonus (in miles or points) 13,922
(2.50%)
14,323
(4.77%)
15,090
(5.95%)
14,188
(-0.98%)
-5.98%
Range of Initial Bonus 500 – 85000 miles / points 1000 – 85000 miles / points 1000 – 85000 miles / points 1000 – 85000 miles / points N/A

 

Base Earn Rates

 

Initial Bonus Points/Miles

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Fees

Q2 2015 (vs. last yr) Q3 2015 (vs. last yr) Q4 2015 (vs. last yr) Q1 2016 (vs. last yr) Q1 vs. Q4 Change
Average Annual Fee $17.54
(10.25%)
$17.44
(5.12%)
$16.51
(-3.39%)
$16.81
(-2.27%)
1.82%
Average Maximum Late Fee $35.27
(3.25%)
$35.61
(4.09%)
$35.57
(3.31%)
$35.34
(2.08%)
-0.65%
Average Foreign Transaction Fee 2.20%
(1.38%)
2.17%
(-6.87%)
2.13%
(-8.19%)
2.08%
(-9.57%)
-2.35%
Foreign Transaction Fee Range 0% – 3% 0% – 3% 0% – 3% 0% – 3% N/A
Average Balance Transfer Fee for Cards with Intro Balance Transfer APR 3.06%
(3.73%)
3.04%
(2.36%)
3.05%
(2.01%)
3.04%
(2.70%)
-0.33%

 

Average Annual Fee

 

Average Foreign Transaction and Balance Transfer Fees

Debt & Unemployment

Q1 2015
(vs. last yr)
Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q4 vs. Q3 Change
Accumulation -$34.76 billion 
(6.67%)
$32.08 billion 
(14.00%)
$21.30 billion 
(34.13%)
$52.40 billion 
(14.09%)
146.01%
Delinquency Rate* 2.13%
(-8.58%)
2.01%
(-6.51%)
2.18%
(-2.24%)
2.23%
(0.45%)
2.29%
Charge-Off Rate* 3.03%
(-8.73%)
3.03%
(-12.17%)
2.76%
(-4.50%)
2.91%
(-2.35%)
5.43%

*Not seasonally adjusted

Unemployment

Q1 2015
(vs. last yr)
Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q4 vs. Q3 Change
Unemployment Rate 5.57%
(-16.03%)
5.40%
(-13.37%)
5.17%
(-14.84%)
5.00%
(-13.79%)
-3.23%

 

Delinquency, Charge-Off, & Unemployment Rates

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Credit Card Complaints & Satisfaction

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4
Billing 18.90%
(-28.21%)
22.96%
(-12.79%)
17.27%
(-22.50%)
17.12%
(-21.28%)
-0.88%
APR or interest rate 5.64%
(-17.98%)
4.75%
(-31.00%)
3.28%
(-37.41%)
3.69%
(-12.54%)
12.48%
Identity theft / Fraud / Embezzlement 8.04%
(-17.13%)
10.36%
(6.83%)
7.87%
(-23.33%)
8.07%
(-17.93%)
2.51%
Closing/Cancelling account 7.48%
(-2.73%)
6.88%
(-5.48%)
5.07%
(-24.69%)
5.66%
(-49.59%)
11.55%
Credit card protection / Debt protection 3.24%
(-16.55%)
2.91%
(4.41%)
2.05%
(-20.32%)
1.84%
(-43.08%)
-10.21%
Credit 5.22%
(-16.93%)
6.23%
(-0.80%)
3.92%
(-39.30%)
3.40%
(-36.95%)
-13.12%
Payoff process 2.54%
(-06.42%)
2.13%
(-10.67%)
1.89%
(-29.28%)
1.79%
(-28.92%)
-5.56%
Fees 8.32%
(-0.14%)
7.52%
(-9.47%)
4.40%
(-49.84%)
5.51%
(-21.76%)
25.23%
Advertising and marketing 10.16%
(-204.05%)
3.52%
(5.38%)
2.68%
(-27.67%)
2.75%
(-24.33%)
2.39%
Customer service / Customer relations 4.94%
(18.33%)
3.67%
(-12.16%)
3.38%
(-28.25%)
2.90%
(-34.21%)
-14.18%
Rewards 6.77%
(-110.21%)
2.42%
(-24.81%)
2.62%
(3.67%)
2.49%
(-0.76%)
-4.98%
Delinquent account 3.80%
(-26.98%)
5.30%
(46.35%)
3.79%
(-27.18%)
3.79%
(-32.48%)
-0.28%
Q1 2016 Consumer Credit Card Complaints

 

Top 6 Consumer Complaints Over Time
Credit Card Complaints


Customer Satisfaction With Large Issuers

Rank Issuer CardHub Satisfaction Score CFPB Complaints Per $1 Billion Outstanding Satisfactory Response WalletHub Reviews
Max 100 Points Max 60 Points Max 20 Points Max 20 Points
1 Navy FCU 95.73 59.07 20.00 16.67
2 USAA Savings 93.72 58.63 17.09 18.00
3 PNC Bank 89.57 57.76 17.14 14.67
4 BB&T Financial 87.13 58.24 15.56 13.33
5 Fifth Third Bank 86.46 57.63 17.50 11.33
6 Discover 85.98 58.23 13.75 14.00
7 Capital One 84.55 56.10 13.78 14.67
8 U.S. Bancorp 83.08 58.59 11.15 13.33
9 Barclays 82.84 54.40 15.11 13.33
10 Citibank 81.58 54.68 14.24 12.67
11 Bank of America 81.43 58.09 12.00 11.33
12 JPMorgan Chase 81.11 58.01 9.10 14.00
13 Wells Fargo 80.62 57.73 10.22 12.67
14 Amex 80.10 58.38 7.72 14.00
15 First National Bank of Omaha 79.83 57.40 7.10 15.33
16 TD Bank 78.76 51.07 13.68 14.00
17 Synchrony Bank 68.48 44.77 14.37 9.33

Methodology: CardHub evaluated consumer satisfaction for 17 of the largest credit card issuers based on total outstanding balances. Each issuer was scored on a 100-point scale according to the following criteria:

  1. CFPB Complaints Per $1 Billion Outstanding (maximum of 60 points)
    • 60 Points: No complaints
    • 0 Points: 135+ complaints
  2. Satisfactory Response Rate To CFPB Complaints (maximum of 20 points)
    • 20 Points: 100%
    • 0 Points: 50%
  3. Average WalletHub Rating (maximum of 20 points)
    • 20 Points: 5 stars
    • 0 Points: 2 stars or below

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Prepaid Card Complaints

Q2 2015
(vs. last yr)
Q3 2015
(vs. last yr)
Q4 2015
(vs. last yr)
Q1 2016
(vs. last yr)
Q1 vs. Q4
Adding money 2.77%
(N/A)
4.32%
(-36.98%)
9.53%
(805.22%)
5.36%
(52.38%)
-43.78%
Advertising, marketing or disclosures 2.77%
(N/A)
2.52%
(-26.47%)
0.70%
(-66.65%)
2.86%
(46.29%)
306.94%
Fees 10.28%
(N/A)
7.19%
(-41.65%)
2.81%
(-51.49%)
6.07%
(11.02%)
116.19%
Fraud or scam 19.37%
(N/A)
20.86%
(26.92%)
18.25%
(2.01%)
18.93%
(-13.47%)
3.69%
Managing, opening, or closing account 33.60%
(N/A)
37.77%
(34.50%)
33.00%
(-9.13%)
38.93%
(11.97%)
17.97%
Overdraft, savings or rewards features 0.79%
(N/A)
0.72%
(5.04%)
1.00%
(-68.24%)
2.50%
(60.00%)
149.25%
Unauthorized transactions/trans. issues 30.43%
(N/A)
26.62%
(-15.51%)
34.70%
(3.03%)
25.00%
(-18.99%)
-27.96%
Prepaid Card Complaints

Historical Raw Data



Interest Rates Balance Transfer New Purchase Landscape Penalty APRs Cash Advance Rewards-Cashback Rewards-Miles and Points Fees Credit Card Debt
Quarter & Year Excellent Credit Good Credit Fair Credit Secured Credit Cards Student Credit Cards Business Credit Cards Average Length of 0% APR Intro Period (in months) Range of 0% APR Intro Periods (in months) Average Regular APR for Cards that have 0% Intro APR on Balance Transfers Range of Regular APRs for Cards that have 0% Intro APR on Balance Transfers Average Balance Transfer Fee for Cards with 0% Intro APR on Balance Transfers Average Length of 0% Intro Period (in months) Range of 0% APR Intro Periods (in months) Average Regular APR for Cards that have 0% Intro APR on New Purchases Range of regular APRs for Cards that have 0% Intro APR on Purchases Average Range Average APR APR Range Average Cash Advance Fee % Average Cash Advance Fee $ amount Average Base Earn Rate (%) Range of Base Earn Rate Average Initial Bonus Range of Initial Bonus Average Base Earn Rate (in miles or points) Range of Base Earn Rate Average Initial Bonus (in miles or points) Range of Initial Bonus Average Annual Fee Average Maximum Late Fee Average Foreign Transaction Fee Foreign Transaction Fee Range Average Balance Transfer Fee for Cards with Intro Balance Transfer APR Accumulation Delinquency Rate* Charge-Off Rate* Unemployment Rate
Q3 2010 12.43% 16.07% 19.39% 17.70% 16.05% 15.21% 7.42 6-18 months 16.07% 7.24%-23.99% 3.08% 7.35 5-15 months 15.99% 7.24%-23.99% 27.68% 16.25%-30.99% 21.93% 6.25%-30.45% 3.57% $8.78 1.00 0.5%-1.5% $24.58 $10-$100 1.04 0.5 – 5 miles/points 7,029 8-30000 miles/points $11.11 $32.92 2.44% 0%-3% 2.99% $5.55 billion 4.59% 8.85% 9.47%
Q4 2010 12.49% 16.18% 17.91% 17.72% 15.87% 15.18% 7.44 6-24 months 16.15% 7.24%-23.99% 3.09% 7.29 6-15 months 16.10% 7.50%-23.99% 27.83% 15.99%-30.99% 22.08% 6.25%-30.45% 3.59% $8.83 0.94 0%-1.25% $28.79 $10-$100 1.05 0.5 – 5 miles/points 8,422 500-40000 miles/points $10.35 $32.79 2.50% 0%-3% 3.03% $25.75 billion 4.22% 7.70% 9.50%
Q1 2011 12.46% 16.20% 19.31% 17.73% 15.83% 15.16% 7.39 6-24 months 16.09% 7.24%-23.99% 3.01% 7.59 6-21 months 16.14% 7.50%-24.90% 27.83% 17.99%-30.99% 22.06% 6.25%-30.45% 3.59% $8.83 0.95 0%-1.25% $29.82 $10-$100 1.05 0.5 – 5 miles/points 8,425 500-40000 miles/points $10.69 $32.74 2.52% 0%-3% 2.96% -$32.66 billion 3.89% 6.96% 9.07%
Q2 2011 12.72% 16.66% 19.31% 19.38% 15.94% 15.27% 7.44 6-21 months 16.39% 7.24%-24.99% 2.88% 8.27 6-21 months 16.34% 7.50%-24.90% 27.90% 17.99%-30.99% 22.32% 6.25%-49.90% 3.70% $8.82 0.97 0.25%-1.25% $40.34 $10-$250 1.06 0.5-5 miles/points 8,924 50-50,000 miles/points $11.61 $32.47 2.44% 0%-3% 2.82% $18.1 billion 3.50% 5.58% 9.10%
Q3 2011 12.81% 17.04% 19.34% 19.40% 15.97% 15.22% 8.97 6-21 months 16.66% 7.24%-24.99% 2.82% 8.99 5-21 months 16.50% 7.50%-24.90% 28.40% 17.99%-31.99% 22.46% 6.25%-49.90% 3.74% $8.85 1.00 0.25%-2% $49.70 $10-$250 1.06 0.5-5 miles/points 9,620 500-50,000 miles/points $13.89 $32.65 2.46% 0%-3% 2.75% $16.8 billion 3.47% 5.63% 9.10%
Q4 2011 12.93% 17.03% 19.37% 19.40% 15.91% 15.28% 9.67 6-21 months 16.68% 7.24%-24.99% 2.89% 9.26 6-21 months 16.43% 7.50%-24.90% 28.46% 17.99%-31.99% 22.26% 6.25%-49.90% 3.75% $8.86 0.99 0.25%-2% $57.94 $10-$250 1.06 0.5-5 miles/points 9,221 500-60,000 miles/points $13.70 $32.70 2.42% 0%-3% 2.85% $45.48 billiion 3.32% 7.53% 8.50%
Q1 2012 12.98% 17.12% 20.30% 17.71% 15.81% 15.25% 10.07 6-18 months 16.59%  8.15%-25.99%  3.13% 9.69 6-18 months 16.33% 7.50%-25.99% 28.53% 17.99%-30.99% 22.26% 6.25%-49.90% 3.72% $8.89 0.99 0.25%-2% $57.42 $10-$250 1.07 0.5-5 miles/points 10,051 25-60,000 miles/points $13.78 $33.11 2.38% 0%-3% 3.05% -$34.97 billion 3.11% 4.38% 8.20%
Q2 2012 12.95% 17.12% 20.15% 19.08% 16.30% 15.11% 10.27 6-18 months 16.55% 8.15%-25.99%  3.15% 9.90 6-18 months 16.30% 7.50%-25.99% 28.51% 17.99%-30.99% 22.27% 6.25%-49.90% 3.73% $8.91 0.98 0.25%-2% $56.21 $10-$250 1.08 0.5-5 miles/points 10,787 500-100,000 miles/points $14.92 $33.09 2.22% 0%-3% 2.97% $17.59 billion 2.79% 4.23% 8.20%
Q3 2012 12.99% 17.17% 19.18% 18.01% 16.40% 15.19% 10.06 6-18 months 16.59% 8.15%-25.99%  3.07% 10.01 6-18 months 16.49% 7.50%-25.99% 28.28% 17.99%-30.99% 22.35% 6.25%-36.00% 3.75% $8.97 0.98 0.25%-2% $59.86 $10-$250 1.08 0.5-5 miles/points 9,470 500-70,000 miles/points $15.42 $33.19 2.23% 0%-3% 2.88% $13.04 billion 2.83% 3.81% 8.10%
Q4 2012 13.01% 17.24% 19.58% 17.92% 16.61% 15.38% 10.05  6-18 months 16.60% 7.25%-25.99%  3.02% 9.88 6-18 months 16.26% 6.99%-25.99% 28.23% 17.99%-30.24% 22.36% 6.25%-36.00% 3.87% $8.86 0.97 0.25%-2% $66.56 $10-$250 1.10 0.5-5 miles/points 10,336 500-85,000 miles/points $15.93 $33.33 2.25% 0%-3% 2.80% $40.12 billion 2.78% 3.85% 7.80%
Q1 2013 12.79% 17.07% 20.17% 18.23% 16.56% 15.30% 10.29 6-18 months 16.10% 8.15%-25.99% 3.02% 10.13 6-18 months 16.55%  7.49%-25.99% 28.07% 16.99%-30.24% 22.33% 6.25%-36.00% 3.89% $10.90 0.99 0.25%-2% $76.81 $10-$200 1.13 0.5-5 miles/points 11,446 500-85,000 miles/points $16.04 $33.46 2.24% 0%-3% 2.80% -$32.5 billion 2.78% 4.29% 7.80%
Q2 2013 12.80% 17.22% 20.65% 18.65% 16.59% 15.49% 9.94 6-18 months 16.28% 8.15%-25.99% 3.05% 10.17 6-18 months 16.84%  7.49%-25.99% 28.25% 16.99%-30.24% 22.63% 6.25%-36.00% 3.91% $10.88 0.99 0.25%-2% $74.70 $10-$200 1.14 0.5-5 miles/points 12,381 500-85,000 miles/points $14.78 $33.47 2.22% 0%-3% 2.88% $17 billion 2.41% 3.62% 7.60%
Q3 2013 12.73% 17.21% 22.59% 19.23% 16.66% 15.42% 9.84 6-18 months 15.97% 8.15%-25.99% 3.07% 10.27 6-18 months 16.75%  7.50%-25.99% 28.17% 16.99%-30.24% 22.63% 6.25%-36.00% 3.91% $10.94 0.99 0.25%-2% $74.45 $10-$200 1.15 0.5-5 miles/points 12,471 500-85,000 miles/points $14.73 $33.60 2.22% 0%-3% 2.80% $11.9 billion 2.47% 3.19% 7.20%
Q4 2013 12.78% 17.29% 22.59% 18.83% 16.66% 15.44% 10.36 6-18 months 15.93%  8.15%-25.99% 3.07%  10.20 6-18 months 16.83% 7.50%-25.99% 28.14% 16.99%-30.24% 22.69% 6.25%-36.00% 3.94% $11.19 0.96 0.25%-2% $84.32 $10-$200 1.15 0.5-5 miles/points 12,948 500-85,000 miles/points $15.13 $33.66 2.24% 0%-3% 2.99% $42.1 billion  2.45%  3.15%  6.70%
Q1 2014 12.86% 17.35% 21.07% 18.78% 16.76% 15.58% 10.75 6-24 months 16.17%  8.15%-25.99% 3.05%  10.02 6-18 months 16.98% 7.50%-26.99% 28.01% 16.99%-30.24% 22.69% 6.25%-36.00% 3.92% $12.31 0.95 0.25%-2% $88.45 $10-$250 1.14 0.5-5 miles/points 12,595 25-85,000 miles/points $15.30 $33.64 2.21% 0%-3% 2.97% -$32.48 billion  2.33%  3.32%  6.70%
Q2 2014 12.88% 17.29% 21.07% 19.30% 16.66% 15.51% 10.57 6-24 months 16.42% 8.15%-25.99% 3.04% 10.00 6-24 months 16.89% 7.5%-26.99% 28.02% 16.99%- 30.24% 22.73% 6.25%-36.00% 3.90% $12.41 0.95 0.25%-2% $87.84 $10-$250 1.15 0.5-5 miles/points 13,266 15-85,000 miles/points $15.91 $34.16 2.17% 0%-3% 2.95% $28.14 billion  2.15% 3.45% 6.23%
Q3 2014 12.96% 17.40% 20.95% 18.96% 16.66% 15.51% 10.81 6-24 months 16.64% 8.15%-25.99% 3.05%  9.91 6-24 months 16.99% 7.5%-26.99% 27.94% 16.99%-30.24% 22.66% 6.25%-36.00% 4.00% $12.78 0.98 0.25%-2% $96.47 $10-$250 1.15 0.5-5 miles/points 13,752 500–85000 miles/points $16.59 $34.21 2.33% 0%-3% 2.97% $15.89 billion  2.23% 2.89% 6.07%
Q4 2014 12.87% 17.42% 19.85% 19.08% 16.66% 15.44% 11.19 6-24 months 16.83% 7.99%-25.99% 3.05% 9.87 6-24 months 17.05% 7.5%-26.99% 27.99% 16.99%-29.99% 22.70% 6.25%-36.00% 3.99% $13.05 0.98 0.25%-2% $96.34 $10-$250 1.15 0.25-5 miles/points 14,438 500–85000 miles/points $17.09 $34.43 2.32% 0%-3% 2.99% $45.93 billion  2.22% 2.98% 5.80%
Q1 2015 12.96% 17.58% 19.65% 18.87% 17.21% 15.90% 11.16 6-24 months 17.16% 7.99%-25.99% 3.03% 9.69 6-24 months 17.36% 8.15%-26.99% 28.03% 16.99%-29.99% 22.76% 6.25%-36.00% 3.97% $13.15 0.99 0.25%-2% $104.84 $10-$250 1.15 0.5-5 miles/points 14,329 500–85000 miles/points $17.20 $34.62 2.30% 0%-3% 2.96% $34.71 billion  2.13% 3.03% 5.57%
Q2 2015 12.77% 17.47% 20.36% 18.83% 17.23% 15.83% 11.13 6-24 months 17.15% 7.99%-25.99% 3.06% 9.56 6-24 months 17.35% 8.15%-26.99% 27.79% 16.99%-29.99% 22.33% 6.25%-36.00% 3.98% $14.08 1.00 0.5%-2% $99.50 $10-$250 1.16 0.5-5
miles/points
13,922 500–85000 miles/points $17.54 $35.27 2.20% 0%-3% 3.06% $32.08 billion 2.01% 3.03% 5.40%
Q3 2015 12.77% 17.71% 20.31% 18.79% 17.19% 15.78% 11.21 6-24 months 17.04% 6.90% – 25.99% 3.04% 9.59 6-24 months 17.51% 6.90% -29.24% 27.83% 16.99% – 29.99% 22.36% 6.25% – 36.00% 3.98% $14.11 1.00 0.25% – 2% $99.19 $10 – $500 1.17 0.01 – 10 miles / points 14,323 1000 – 85000 miles / points $17.44 $35.61 2.17% 0% – 3% 3.04% $21.3 billion 2.18% 2.76% 5.17%
Q4 2015 12.84% 17.70% 21.16% 18.90% 17.36% 15.85% 11.17 6-24 months 17.21% 6.90% – 26.24% 3.04% 9.60 6-21 months 17.63% 6.90% -29.49% 27.93% 16.99% – 30.24% 22.50% 6.25% – 36.00% 4.02% $14.51 1.00 0.25% – 2% $99.56 $10 – $500 1.16 0.01 – 10 miles / points 15,090 1000 – 85000 miles / points $16.51 $35.57 2.13% 0% – 3% 3.05% $52.4 billion 2.23% 2.91% 5.00%
Q1 2016 13.02% 17.92% 20.97% 19.49% 17.44% 16.01% 11.02 6-24 months 17.30% 7.15% – 26.24% 3.02% 9.61 6-21 months 17.76% 7.15% -29.49% 27.95% 16.99% – 30.24% 22.66% 6.5% – 36.00% 4.00% $14.70 1.00 0.25% – 2% $98.71 $10 – $500 1.16 0.01 – 10 miles / points 14,188 1000 – 85000 miles / points $16.81 $35.34 2.08% 0% – 3% 3.04% N/A N/A N/A N/A

*Not seasonally adjusted
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