Credit Card Issuing Industry

NAICS: 52221

For additional companies see the Nondepository Credit Intermediation Industry

Credit Card Issuing Market Share: Largest Companies in the Credit Card Issuing Industry

Company	Headquarters	Revenue ($ MM)
DISCOVER FINANCIAL SERVICES (NYSE: DFS)	Riverwoods, IL	100
BREX	San Francisco, CA	14
CREDIT ONE BANK NATIONAL ASSOCIATION	Las Vegas, NV	13
MISSION LANE HOLDINGS	Richmond, VA	12
VANCO PAYMENT SOLUTIONS	Atlanta, GA	3
CELEGANS LABS	San Francisco, CA	3
NETSPEND	Austin, TX	2
FRONTIER BANCSHARES	Austin, TX	2
READYCAP COMMERCIAL	Berkeley Heights, NJ	2
HORIZON BANK SSB	Austin, TX	2
TRELLANCE	Tampa, FL	2
AMERICAN STATE BANK SIOUX CENTER IOWA	Sioux Center, IA	2
PAYMENT ALLIANCE INTERNATIONAL	Louisville, KY	2
GALILEO FINANCIAL TECHNOLOGIES	Salt Lake City, UT	2
CCNYNY	Las Vegas, NV	2
FRONTIER HOLDINGS	Omaha, NE	2
PAYROC PAYMENT SYSTEMS	Des Plaines, IL	2
APPLIED CARD SYSTEMS	Boca Raton, FL	1
FIRST HOME BANK	Saint Petersburg, FL	1

This is a list of the largest companies active in the Credit Card Issuing industry. This differs from market share in the following example: One business with revenues of $100 million generates 10% of its business from the Credit Card Issuing industry. A second firm, with revenues of $20 million, generates all of its business from this industry. In our list, we show the businesses having revenues of $100 million and $20 million, respectively. However, the market share would compare the $10 million in industry-specific revenue to the $20 million: the second company has twice the market share even though it is "smaller" in size.

Growth: Fastest Growing Credit Card Issuing Companies

A list of competitors in the Credit Card Issuing industry that are rapidly expanding. Businesses may grow organically or through acquisition. Typically, small or midsized companies are in "growth" mode and can expand more rapidly. However, large businesses may have the strategy and financial capabilities to scale rapidly. Businesses that employ a "roll-up" strategy make multiple acquisitions of smaller businesses to form a single large corporation that controls a greater market share than its competitors and benefits from economies of scale.

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Small Business Financing

Small businesses that have received financing may expand soon. Financing may be required for capital-intensive investments, such as real estate or equipment purchases. Credit Card Issuing businesses may use the financing to cover startup expenses or the costs of hiring new employees. Loans differ from equity investments in the level of risk that is expected: loans frequently have collateral either directly or implicitly through the business or the owners that ensure repayment. Equity investment has the possibility for much greater returns, but offers no guarantee the principle will be repaid. Convertible securities combine the two concepts, but is used by private-equity firms rather than main street startups.

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Venture Funding

These Credit Card Issuing companies are actively raising capital from venture capital firms, private equity, or other investors. Businesses with venture funding generally have higher growth prospects, either through bringing new concepts to market, using innovative business practices, or savvy management.

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