It depends on the business model. CapOne is basically a predatory lender making money off people who can't pay off their debt. Amex makes money from its high va

It depends on the business model. CapOne is basically a predatory lender making money off people who can't pay off their debt. Amex makes money from its high value customers and the interchange fees. Amex's fees are higher, and many of their cards are charge cards (which don't even have an interest rate because they must be paid in full every cycle).