NAICS 522210: Credit Card Issuing
This industry comprises establishments primarily engaged in providing credit by issuing credit cards. Credit card issuance provides the funds required to purchase goods and services in return for payment of the full balance or payments on an installment basis. Credit card banks are included in this industry. Cross-References. Establishments primarily engaged in--Show more
NAICS 522210 – Credit Card Issuing refers to the provision of credit card services by financial institutions that extend revolving lines of credit to consumers and, in some cases, government entities for official travel, procurement, or administrative expenses. This sector encompasses the issuance, servicing, and management of credit cards, including fraud monitoring, transaction processing, billing, and customer support systems.
Industry Spending Overview
Federal obligations, top contractors and agencies, and related industry codes for NAICS 522210.
AI Industry Description
NAICS 522210 – Credit Card Issuing refers to the provision of credit card services by financial institutions that extend revolving lines of credit to consumers and, in some cases, government entities for official travel, procurement, or administrative expenses. This sector encompasses the issuance, ...
NAICS 522210 – Credit Card Issuing refers to the provision of credit card services by financial institutions that extend revolving lines of credit to consumers and, in some cases, government entities for official travel, procurement, or administrative expenses. This sector encompasses the issuance, servicing, and management of credit cards, including fraud monitoring, transaction processing, billing, and customer support systems. While primarily a commercial function, credit card issuing supports federal operations through government-issued travel cards, purchase cards, and fleet cards used by authorized personnel for mission-critical expenditures. These programs are governed by strict compliance standards under the Federal Travel Regulation and the General Services Administration’s SmartPay program, ensuring accountability, transparency, and audit readiness. The NAICS code captures the financial infrastructure enabling secure, scalable payment solutions within government operations, bridging private-sector financial services with public-sector fiscal controls. No contractor data is available for this NAICS code, indicating that no specific prime contractors have been identified in government contracting records for direct credit card issuing services. Typically, such services are delivered through financial institutions contracted under broader financial management or payment solutions vehicles rather than as standalone procurements. No agency data is available, suggesting that while credit card issuing supports federal spending, the underlying contracts are often embedded within larger financial services agreements or administered through centralized programs like the SmartPay network, rather than tracked as discrete NAICS 522210 awards. The competitive landscape is characterized by large financial institutions operating under pre-negotiated government-wide acquisition contracts, with limited direct competition for standalone credit card issuing contracts. Opportunities for contractors are concentrated in compliance, payment processing integration, and fraud detection systems that support government-issued card programs, rather than in issuing itself. Procurement trends favor established financial institutions with existing GSA schedules and FedRAMP-compliant infrastructure.
Small Business Size Standard
The SBA threshold that decides who can bid NAICS 522210 work as a small business.
The SBA cap for this NAICS (13 CFR 121.201). A business at or under it can self-certify as small for work in this code, which is what makes it eligible for a small-business set-aside. The cap is set per NAICS, so the same company can be small in one code and not in another.
13 CFR 121.201, effective January 1, 2026. The SBA revises the table roughly once a year.
Top Contractors
Companies with the highest total award value under NAICS 522210, ranked by dollars won.
| Company | Total Awards | Contracts |
|---|---|---|
| TRUCENTIVE, INC. | $105K | 1 |
Top Agencies
Federal agencies directing the most contract spending toward NAICS 522210.
Competition
How many companies historically bid on federal awards in NAICS 522210, from bidder counts reported on USAspending.
Half or more of reported awards drew exactly one bidder, usually a sign of incumbent-held work rather than an open field. · 141 reported awards
Median Bidders
1
Per reported award, all-time
Single-Bid Awards
68%
Share of reported awards with one bidder
10+ Bidder Awards
0%
Share of reported awards with 10+ bidders
Reported Awards
141
82% of 173 total awards
Share of reported awards in each bidder-count bracket per federal fiscal year.
How this code compares up the NAICS hierarchy. Parent cohorts pool every code under their prefix, so they are the steadier baseline when a 6-digit sample is thin.
| Industry Family | Competition | Median Bidders | Single-Bid | Bidder Mix | Reported Awards |
|---|---|---|---|---|---|
522210This Code Credit Card Issuing | Usually Single-Bid | 1 | 68% | 14182% of 173 | |
52221NAICS Industry | Usually Single-Bid | 1 | 68% | 14182% of 173 | |
5222Industry Group Nondepository Credit Intermediation | Usually Single-Bid | 1 | 75% | 96788% of 1,105 | |
522Subsector | Usually Single-Bid | 1 | 72% | 7,95185% of 9,388 | |
52Sector Finance and Insurance | Usually Single-Bid | 1 | 71% | 55,86385% of 65,585 |
Bidder counts reported on past federal awards in this NAICS (USAspending). An open opportunity has no bidders yet, so this is the historical norm for similar work, not a fact about this solicitation. Not all awards report bidder counts, and fewer bidders often means incumbent-held work rather than an easier win. Federal reporting of bidder counts fell from ~96% of awards (FY2016) to ~30% (FY2018 onward); the chart shows shares of reported awards, and washed-out stretches mark years with fewer than 30 of them.
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Industries similar to Credit Card Issuing, by shared sector, subsector, and industry group.
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