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How Credit Card Companies Make Money : How Do Credit Card Companies Make Money Nerdwallet / Credit card rates can be notoriously high, and minimum payments hardly make a dent in your loan balance, allowing your debt to linger and generate profits. . For instance, let's say you'd like to move your balance on one card to another with a lower interest rate. How credit card companies make money. The most obvious way your credit card company makes money is interest charges. We look at how credit card companies make money, including how credit card interest is. Credit card companies make money from cardholders in several ways: This is the highest level since the great recession of 2008. We look at how credit card companies make money, including how credit card interest is. Credit card companies make a lot of money.in fact, the federal reserve reports that earnings from credit cards are almost always higher than returns on all commercial bank activities. @colen tha...