1. Main card providers
   1. Visa
   2. Mastercard
   3. American Express
   4. Diners Club
2. Profit
   1. Left after all costs are paid
   2. Transactors give less profit
   3. Revolvers give more profit
3. Variable costs
   1. Interest free period
      1. Must cover the costs of the debt
   2. Loyalty programme
      1. Rewards for the spendings
         1. Important tool in many markets
   3. Transactionnal fraud
      1. Lost cards
      2. Stolen cards
      3. Counterfeited cards
4. Revenues
   1. Interest from customers
      1. Transactors
         1. Pay the full amount
            1. No revenue
      2. Revolvers
         1. Pay the minimum
            1. High interest charges
   2. Commission from merchants
      1. Each transaction
   3. Conversion rate
      1. Margin on the change rate
   4. Annual fees
      1. Silver
         1. Basic card
      2. Gold
         1. Higher limit
      3. Platinum
         1. High revenue
      4. Black
         1. Most exclusive