While many smaller or local banks still issue credit cards, the majority of credit cards are issued by a few very large banks.  That means that the banks below are collecting the majority of interchange payments – it is ultimately these banks that businesses are paying with their credit card processing fees.

Credit Card Issuers Ranked by Receivables
Rank	Organization name	Location	12/31/2006	12/31/2005	% Change
1	Bank of America	Charlotte, NC	$170,736,623,000	$60,790,331,000	180.9%
2	JPMorgan Chase & Co.	Wilmington, DE	$146,100,000,000	$138,900,000,000	5.2%
3	Citigroup Inc.	New York, NY	$111,600,000,000	$113,700,000,000	-1.8%
4	Capital One Financial Corp.	McLean, VA	$53,623,680,000	$49,463,522,000	8.4%
5	Discover Financial Services Inc.	Riverwoods, IL	$47,384,674,000	$46,936,000,000	1.0%
6	American Express	New York, NY	$37,368,000,000	$34,159,000,000	9.4%
7	Washington Mutual Bank	Seattle, WA	$23,501,000,000	$19,973,000,000	17.7%
8	Wells Fargo Bank	San Francisco, CA	$20,870,868,363	$17,392,978,230	20.0%
9	HSBC Credit Card Services	Salinas, CA	$18,260,017,000	$26,200,000,000	-30.3%
10	USAA Federal Savings Bank	San Antonio, TX	$8,877,491,000	$8,877,491,000	0.0%

Source: Card Industry Directory