As part of our Monitor Services, Corporate Insight provides clients with a quarterly analysis of key features and/or products, presented in the form of a matrix. The two Credit Card Monitor and two Bank Monitor matrices give our clients an in-depth view of the online platforms and offerings of the major U.S. issuers. Furthermore, they analyze information from more than 180 credit cards from 10 major credit card companies and 18 major banks and their main accounts. The following slides present key findings from the Q2 2016 Credit Card & Bank Matrix.

1. CREDIT CARD & BANK MATRIX INSIGHTS
Quarter 2 | June 2016
Keith Horbert

2. BACKGROUND
As part of our Monitor Services,
Corporate Insight provides clients with a
quarterly analysis of key features and/or
products, presented in the form of a
matrix.
The two Credit Card Monitor and two
Bank Monitor matrices give our clients
an in-depth view of the online platforms
and offerings of the major U.S. issuers.
Furthermore, they analyze information
from more than 180 credit cards from
10 major credit card companies and 18
major banks and their main accounts.
The following slides present key
findings from the Q2 2016 Credit Card
& Bank Matrix. For more information,
please contact Craig Sherter, Director of
Business Development, at:
csherter@corporateinsight.com.
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Q2 Credit Card Matrix Template
Q2 Bank Matrix Template

3. Below is a list of the firms we track on a quarterly basis for our
Credit Card & Bank Matrix:
Credit Card Matrix
American
Express
Discover
Bank of America PNC
Barclays USAA
Capital One US Bank
Chase Wells Fargo
Citicards
FIRMSCOVERED
3
Bank Matrix
Ally Bank Citibank
Santander
Bank
Bank of
America
Citizens
Bank
SunTrust
Bank
BB&T Bank Discover TD Bank
Capital One
Fifth Third
Bank
USAA
Capital One
360
KeyBank U.S. Bank
Charles
Schwab
PNC Bank Wells Fargo
Chase

4.  In Q2 2016, the amount of credit card offerings increased from 173 to 180.
o Capital One (+8), Chase (+3), Discover (+2), Barclays (+1) and Wells Fargo (+1) all
increased their product offerings.
o USAA (-5), US Bank (-2), American Express (-1) decreased their product offerings.
 The majority of cards offer a wide range of different standard APR rates.
o Companies with cobranded cards tend to have the biggest range of APR rates.
 Slightly over a third (36%) of cards currently offer a 0% introductory purchase rate compared
to 31% at the same time last year.
o Wells Fargo (92%) and Discover (86%) offer the highest percentage of cards with 0%
intro purchase rates.
 41% of cards offer a 0% introductory balance transfer rate, compared to 38% in 2015.
o 100% of PNC and 92% of Wells Fargo (92%) cards have a 0% Balance Transfer Rate.
 62% credit cards have no annual fee, compared to 57% in 2015.
o All Discover and PNC cards have no annual fee.
 Cards with no foreign transaction fees increased from 29% to 44%.
o All Capital One, Discover and USAA cards have no foreign transaction fees.
CREDITCARDMATRIXSUMMARY
4

5. CREDITCARDMATRIX
5
33
24 22 20
9
13 15
18
11
5 3
31
25
22
19 17 16 15 13 12
7
3
US Bank Barclays Bank Of
America
American
Express
*Capital
One
Chase Citicards USAA Wells
Fargo
Discover PNC
2015 2016
+7 increase from the previous year
*In Q1 16, Capital One cobranded cards were added to the matrix.
2016: 180 Cards2015: 173 Cards
VS.

6. 6
AMERICAN
EXPRESS
BANK OF AMERICA
BARCLAYS
CAPITAL ONE
CHASE
CITICARDS
DISCOVER
PNC
USAA
US BANK
WELLS FARGO
13.24%
11.24%
8.25%
11.15%
13.24%
12.24%
11.24%
10.24%
7.15%
10.24%
11.40%
18.04%
17.77%
19.49%
19.54%
18.37%
18.01%
18.24%
16.74%
18.19%
18.76%
18.97%
25.24%
23.24%
27.24%
24.99%
23.24%
24.24%
23.24%
22.24%
26.15%
25.24%
26.24%
Lowest APR Average APR Highest APR Best Rate
High/Low Rate
Differential
12%
12%
19%
14%
10%
12%
12%
12%
19%
15%
15%
(out of 19)*
(out of 22)*
(out of 25)*
(out of 17)*
(out of 16)*
(out of 15)*
(out of 7)*
(out of 3)*
(out of 13)*
(out of 31)*
(out of 12)*
*indicates the total amount of credit cards the company has to offer

7. 91%
100%
33%
44%
59%
23%
33%
30%
15%
8%
0%
92%
86%
67%
65%
45%
38%
33%
32%
16%
12%
0%
0.00% 20.00% 40.00% 60.00% 80.00% 100.00%120.00%
Wells Fargo
Discover
PNC
Capital One
Bank Of America
Chase
Citicards
American Express
US Bank
Barclays
USAA 2015 2016
CREDITCARDMATRIX
7
100%
82%
79%
55%
40%
27%
15%
22%
21%
20%
11%
100%
92%
80%
50%
43%
27%
25%
24%
23%
21%
15%
0.00% 20.00% 40.00% 60.00% 80.00% 100.00% 120.00%
PNC
Wells Fargo
Barclays
Bank Of America
Discover
Citicards
Chase
Capital One
US Bank
American Express
USAA 2015 2016
0% Intro Purchase Rate
2015: 53 out of 173 – 31%
2016: 65 out of 180 – 36%
0% Intro Balance Transfer Rate
2015: 66 out of 173 – 38%
2016: 73 out of 180 – 41%
(out of 3)*
(out of 12)*
(out of 25)*
(out of 22)*
(out of 7)*
(out of 15)*
(out of 16)*
(out of 17)*
(out of 31)*
(out of 19)*
(out of 13)*
(out of 12)*
(out of 7)*
(out of 3)*
(out of 17)*
(out of 22)*
(out of 16)*
(out of 15)*
(out of 19)*
(out of 31)*
(out of 25)*
(out of 13)*
*indicates the total amount of credit cards the company has to offer

8. CREDITCARDMATRIX
8
100%
100%
44%
75%
73%
67%
73%
48%
53%
23%
30%
100%
100%
76%
76%
75%
69%
68%
52%
47%
38%
37%
Discover
PNC
Capital One
Barclays
Wells Fargo
USAA
Bank Of America
US Bank
Citicards
Chase
American Express
2015
2016
(out of 7)*
(out of 3)*
(out of 17)*
(out of 25)*
(out of 12)*
(out of 13)*
(out of 22)*
(out of 31)*
(out of 15)*
(out of 16)*
(out of 19)*
*indicates the total amount of credit cards the company has to offer

9. NO FOREIGN TRANSACTION FEESCREDITCARDMATRIX
9
100%
100%
0%
69%
42%
33%
20%
14%
18%
9%
0%
100%
100%
100%
56%
44%
40%
37%
23%
17%
6%
0%
Capital One
Discover
USAA
Chase
Barclays
Citicards
American Express
Bank Of America
Wells Fargo
US Bank
PNC
2015
2016
USAA no longer
has any foreign
transaction fees
(out of 17)*
(out of 7)*
(out of 13)*
(out of 16)*
(out of 25)*
(out of 15)*
(out of 19)*
(out of 22)*
(out of 12)*
(out of 31)*
(out of 3)*
2016: 44%2015: 29%
*indicates the total amount of credit cards the company has to offer

10. BANKMATRIXSUMMARY
10
 Non-interest checking and basic savings accounts have similar minimum initial deposit
amounts and monthly maintenance fees.
o 91% have minimum account openings amounts of either $0, $25, or $50.
o 30 of 33 (91%) accounts charge maintenance fees of $10 or less.
 Minimum deposit amounts and fees vary greatly for interest checking accounts.
 Besides Capital One, Capital One 360 and Ally Bank, most companies (88%) offer an APY
of .06% or less for interest checking and savings accounts.
 The majority of money market accounts (72%) are basic money market types.
o US Bank has the largest portfolio of money market products with 5 offerings.
o Over 3 in 4 (77%) charge a maintenance fee between $5-$15 for basic money market
accounts.
o 29% require a minimum deposit of $2,500 or more.
 Of the 50 CD accounts 84% have variables terms.
o BB&T Bank has 7 different CD offerings, the highest among all banks.
o Nearly 3 in 4 (74%) of basic CDs require a minimum deposit of at least $1,000.

11. 11
BANKMATRIX
$0.00
$5.00
$10.00
$15.00
$20.00
$25.00
$30.00
$35.00
$0.00 $20.00 $40.00 $60.00 $80.00 $100.00
MonthlyMaintenanceFee
Minimum Initial Deposit
Non-Interest Checking
$0.00
$5.00
$10.00
$15.00
$20.00
$25.00
$30.00
$35.00
$0.00 $20.00 $40.00 $60.00 $80.00 $100.00
MonthlyMaintenanceFee
Minimum Initial Deposit
Interest Checking
$0.00
$5.00
$10.00
$15.00
$20.00
$25.00
$30.00
$35.00
$0.00 $20.00 $40.00 $60.00 $80.00 $100.00
MonthlyMaintenanceFee
Minimum Initial Deposit
Basic Savings Account

12. 12
BANKMATRIX
0.00%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
0.90%
1.00%
$0 $3,000 $6,000 $9,000 $12,000 $15,000
InterestRate
Account Balance
0.00%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
0.90%
1.00%
$0 $20,000 $40,000 $60,000 $80,000 $100,000
InterestRate
Account Balance
SAVINGS ACCOUNTCHECKING ACCOUNT

13. 21%
14% 14%
21%
29%
$0 $25 $50 $100 $2500+
Basic Money Market :
Minimum Initial Deposit
BANKMATRIX
13
22
Different Money
Market Account
Offerings
2
2
3
5
0 1 2 3 4 5 6
Santander Bank
KeyBank
Citizens Bank
US Bank
Largest # Offerings
16
Basic Money Market
Account Offerings
6 High-Tier Money Market
Account Offerings
$12: 31%
$10: 23%
$15:
15%
23%
8%
23%
31%
15%
$0
$5
$10
$12
$15
Basic Money Market: Maintenance
Fees

14. Basic CD: Term Type
Variable
84%
Fixed
16%
5%
11%
21%
37%
5%
21%
$0 $250 $500 $1,000 $2,000 $2,500+
Basic CD: Minimum Initial Deposit
BANKMATRIX
14
50
Different CD
Account
Offerings
4
4
5
7
US Bank
TD Bank
PNC Bank
BB&T Bank
Largest # Offerings

15. Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nation’s
leading financial institutions. For over 20 years, the firm has tracked technological developments in the
financial services industry, identifying best practices in online banking and investing, online insurance,
mobile finance, active trading platforms, social media and other emerging areas. There are no
assumptions in Corporate Insight’s work – we use live accounts at all of the firms we research,
providing our clients with unparalleled, unbiased intelligence on the competition.
Keith Horbert
Analyst | Monitor Services
(646) 751-6962
khorbert@corporateinsight.com
Media Inquiries
Please Contact Corporate Insight:
(212) 832-2002
pr@corporateinsight.com
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