Environmental strategy
Our environmental framework helps guide, assess and identify the actions we take to protect our planet and achieve our goals.
Reducing our footprint
Scope 1 + 2
(electricity, natural gas, etc.)
2030 goal: reduce emissions by 55%
Current reduction progress: 43%
Scope 3
(supplier goods & services)
2030 goal: 55% of our suppliers
(by emissions) adopt defined
sustainability practices
Current progress: 51% of suppliers
(by emissions) with defined
sustainability practices
Reduction pathways
Our efforts to advance our environmental strategy demonstrates our continued commitment to reduce emissions, increase operational efficiencies, mitigate climate risks and build a more resilient business.
Facilities
Management
Our goal is to implement efficient, appropriately scaled facility operations to manage costs and environmental impact.
In 2025, 52% of our electricity came from renewable sources.
Since 2020, we’ve reduced our real estate footprint by 65% in response to evolving workplace flexibility needs.
Digitalization
We aim to drive adoption of digital solutions to enhance the customer experience while reducing unnecessary paper use.
In 2025, we increased our paperless billing rate by 7 percentage points year-over-year.
Additionally, we prevented 3.9 million payment envelopes from being mailed by identifying customers who pay digitally.
Supplier
Engagement
We engage key suppliers to improve performance, manage risk and reduce value chain emissions.
We aim to prioritize suppliers that minimize waste and deliver efficient services. We value partnerships with those actively pursuing their own environmental reduction strategies.
In 2025, 51% of our suppliers, by emissions, have adopted defined sustainability practices (such as greenhouse gas reduction targets).
Sustainable
Technology
We are modernizing and optimizing our technology to deliver energy efficient, resilient operations.
By migrating workloads to a colocation facility from an internal data center, we reduced the energy required to run those workloads by 73%. Further, we recycled or donated 11 short tons of e-waste in 2025.
Card production
and fulfillment
We strive to optimize card production and fulfillment processes to increase efficiency and reduce waste.
We’ve adopted a carbon offset strategy for our direct-to-consumer credit cards and, in 2025, issued 1.9M sustainable cards using recycled PVC and bioplastics.
Additionally, we reduced our card insert inventory destructions by 46% year-over-year.
Measuring our footprint
The path to reducing our footprint starts with a clear and accurate measurement of our environmental data, particularly our greenhouse gas (GHG) emissions, energy consumption and electricity from renewable sources.
2025 emissions*
76%Purchased Goods & Services
8% Upstream Transportation & Distribution
8% All other Scope 3
5% Associate commuting
3% Scope 1 & 2
Environmental Performance*
| Performance Category | 2025 | 2024 | 2023 |
|---|---|---|---|
| Total GHG emissions (MTCO₂e) | 88,687 | 96,409 | 154,806 |
| Total energy consumed (in gigajoules) | 53,383 | 59,737 | 71,301 |
| Electricity from renewable sources | 52% | 64% | 42% |
Reduction targets
In 2024 we used our emissions data to set GHG reduction targets to be met by 2030, informed by commonly accepted target-setting strategies.
Scope 1 & 2: Reduce emissions by 55% compared to 2022
Scope 3: 55% of our suppliers* adopt defined sustainability practices.
*Suppliers by emissions