A credit card issuer is a financial institution that provides credit cards to consumers. Credit card issuers manage the credit card application process and choose the cards' terms, requirements and perks.
There is a multitude of credit card issuers – any bank or credit union that offers a credit card is an issuer. Some popular credit card issuers include Capital One, Chase, the Navy Federal Credit Union and many more.
What a Credit Card Issuer Does
Provides cards to customers and handles applications.
Decides the requirements to qualify for a card.
Sets the terms on cards (APR, fees, credit limit, etc).
Chooses what rewards and benefits cards have.
Handles customer service for the card.
You can learn more about the major credit card issuers on WalletHub.