Market Research Logo

Commercial Payment Cards: The U.S. and Global Markets and Trends, 6th Edition


Attention: There is an updated edition available for this report.

The commercial payment card market has undergone a transformation in recent years as the associations and issuers strive to convince companies of the various benefits. Once a fairly simple market comprising travel and entertainment cards and fuel cards, the commercial payment card universe has become more complex with increased segmentation and functionality. But the lines between products have also blurred resulting in card products that combine several cards into one. Purchasing cards have emerged as the champion of commercial payments with the expectation of eventually replacing a substantial portion of paper-based procurement. The fact that commercial cards capture a mere fraction of total commercial payments highlights the potential of the opportunity at hand.

The financial crisis of 2008 that led to the economic meltdown in 2009 posed both a hurdle and an opportunity for the commercial payment card market. On the one hand, products such as small business cards suffered massive declines in purchase volume and skyrocketing charge-off rates. On the other hand, the consolidation of several major issuers and the weeding out of weaker players, combined with a new drive toward corporate cost control and efficiency, may have set the stage for a quick recovery in 2010.

This Packaged Facts report, which has been renamed from corporate credit cards, presents data and analysis on the global and U.S. market for commercial payment cards. The report presents the size and growth of the market by examining key metrics for the 2005-2009 period and providing forecasts through 2014. Included are discussions and analysis of the various commercial payment card types, trends and factors affecting their growth, and a focused analysis of commercial card end user demographics and preferences. In addition, major card brands and issuers are profiled to provide a competitive landscape.

Read an excerpt from this report below.

Methodology

Packaged Facts’ study of commercial payment cards is based on extensive secondary research and interviews with industry and regional experts. Secondary sources include data-gathered from relevant trade, business, and government sources, including card industry journals, trade and general press (print and electronic), annual reports and 10(k) filings, company literature, consultancy publications, Packaged Facts reports, websites and white papers.

Packaged Facts’ analysis of consumer behavior and demographics derives from the spring 2009 Experian Simmons Market Research Bureau’s (New York, NY) adult consumer surveys, which are based on approximately 25,000 respondents age 18 or over.

What You’ll Get in this Report

Commercial Payment Cards makes important predictions and recommendations regarding the future of this market, and pinpoints ways current and prospective players can capitalize on current trends and spearhead new ones. No other market research report provides both the comprehensive analysis and extensive data that Commercial Payment Cards offers.

Plus, you’ll benefit from extensive data, presented in easy-to-read and practical charts, tables and graphs.

How You Will Benefit from this Report

If your company is already doing business in the commercial payment card market, or is considering making the leap, you will find this report invaluable, as it provides a comprehensive package of information and insight not offered in any other single source. You will gain a thorough understanding of the current market for commercial payment cards, as well as projected markets and trends through 2014.

This report will help:

  • Marketing Managers identify market opportunities and develop targeted promotion plans for commercial payment cards.
  • Research and development professionals stay on top of competitor initiatives and explore demand for commercial payment cards.
  • Advertising agencies working with clients in the banking and retail industries understand the product buyer to develop messages and images that compel businesses to use commercial payment cards.
  • Business development executives understand the dynamics of the market and identify possible partnerships.
  • Information and research center librarians provide market researchers, brand and product managers and other colleagues with the vital information they need to do their jobs more effectively.


Market Insights: A Selection From The Report


Purchasing, Fleet to Add Most Purchase Volume

By product, Packaged Facts expects the purchasing and fleet card category to be the hot spot, reaching $447 billion by 2014. Corporate card purchase volume will grow at an annual rate of six percent to reach $334 billion. Prepaid and benefit cards will likely continue to see higher growth rates, reaching the $150 billion mark by 2014. Finally, small business cards will show slower grow than the past at a CAGR of six percent to reach $579 billion.

Emerging Economies May Be Greatest Prospect for Commercial Cards

The United States will remain the single biggest economy providing opportunities in the commercial card payment space, especially when considering the penetration rate of commercial card payments versus paper and electronic forms is at about three percent in the United States. But with global commercial card payment volume estimated to be at just one percent of total global commercial consumption, it will be emerging economies that will provide the greatest growth prospects overall.

Charge-off Rates, Unemployment Go Sky High

Delinquency and charge-off rates along with unemployment took off in 2008 and headed skyward through the third quarter of 2009 with barely any sign of moderating. For the third quarter of 2009 unemployment stood at an average of 9.6% (9.8% in September 2009) while delinquencies and charge-offs were estimated by Packaged Facts to reach 6.9% and 10.8%, respectively. Among the big banks, Bank of America, one of the largest issuers of small business cards, posted the largest charge off rate of 14.25% for the third quarter of 2009.

In the News


Commercial Payment Card Market to Rebound, Breach $1 Trillion in 2010

New York, November 18, 2009 in 2010, according to leading market research publisher Packaged Facts in the recently released Commercial Payment Cards: The U.S. and Global Markets and Trends, 6th Edition.

Encouraging signs stem from numerous companies reporting better than estimated earnings and CEOs worldwide suggesting that the bottom has been seen and growth is expected in the quarter ahead. Packaged Facts forecasts total global commercial payment card purchase volume will grow 9% over the 2009 level of $917 billion to back above $1 trillion in 2010.

“This is not to say that 2010 will be a return of the heady days of years past, but assuming a bottom is in place and corporations continue to find new efficiencies to grow their bottom line, 2010 could be a fairly healthy year for the commercial card market,” says Don Montuori, publisher of Packaged Facts.

Growth will be driven by a corporate need to reduce costs and increase efficiencies through the adoption of card programs that can deliver on that promise, according to the report. It is also likely growth will be more from new commercial card clients rather than an expansion in purchasing volume from existing clients.

The United States will remain the single biggest economy providing opportunities in the commercial card payment space, especially when considering the penetration rate of commercial card payments versus paper and electronic forms is at about 3% in the U.S. But with global commercial card payment volume estimated to be just 1% of total global commercial consumption, it will be emerging economies that will provide the greatest growth prospects overall. In addition, markets outside the U.S., particularly markets in Asia, are expected to rebound with much more verve in 2010, according to the report.

Commercial Payment Cards: The U.S. and Global Markets and Trends, 6th Edition presents data and analysis on the global and U.S. market for commercial payment cards. The report presents the size and growth of the market by examining key metrics for the 2005-2009 period and providing forecasts through 2014. Included are discussions and analysis of the various commercial payment card types, trends and factors affecting their growth, and a focused analysis of commercial card end user demographics and preferences. Major card brands and issuers are profiled to provide a competitive landscape.

About Packaged Facts - Packaged Facts, a division of MarketResearch.com, publishes market intelligence on a wide range of consumer market topics, including consumer goods and retailing, foods and beverages, demographics, pet products and services, and financial products. Packaged Facts also offers a full range of custom research services.

  • Executive Summary
    • Scope
      • Commercial Payment Card Categories
      • Products Out of Scope
    • Methodology
    • Global Payment Card Market Tops $1.0 Trillion
      • Small Business Cards Lead Decline
        • Table Global Commercial Payment Card Volume by Category, 2005-2009 (in billions $)
    • U.S. Market Accounts for Bulk of Global Purchase Volume
      • Table U.S. Commercial Payment Card Purchase Volume and Year-over-Year Percentage Change, 2005-2009 (in billions $)
    • Commercial Card Market to Grow in 2010
      • Purchasing, Fleet to Add Most Purchase Volume
        • Table Global Commercial Payment Card Purchase Volume by Category, 2009-2014 (in billions $)
    • U.S. Market Forecast
      • Table U.S. Commercial Payment Card Purchase Volume Forecast and Year-over-Year Percentage Change, 2009-2014 (in billions $)
    • Visa Leading U.S. Commercial Card Brand
    • GDP Growth Stalls in 2009, to Rebound in 2010
      • Emerging Economies May Be Greatest Prospect for Commercial Cards
    • Charge-off Rates, Unemployment Go Sky High
      • Rising Delinquencies, Charge-offs, Unemployment to Continue Higher
      • "Real" Unemployment Rising, a Sign of Further Trouble Ahead
    • Total Firms Contract to 29 Million
      • Table Total Number of U.S. Firms and Total Employment for Employer Firms and Non- Employers/Self-Employed, 2005-2009 (in millions)
      • Business Bankruptcies Skyrocket
    • Commercial Generated Revenues Down Dramatically in 2009, to Rebound in 2010
      • Visa's Commercial Consumption Measure
    • Commercial Card Trends in a Down Economy
      • Commercial Cards as Cost Reduction Tools
      • Commercial Cards Ready to Horn in on Paper and EFTs
      • Sagging Economy May Spur Adoption of Cards and Systems
      • Satisfaction is High
      • Managing Risk Through Analytics
      • Payment Fraud Up in 2008
      • Innovative Commercial Payment Options Reshape Market
      • Efficiency, Security and Control Price of Entry
      • Outsourcing Make Entry Easier
      • Global Marketing Spend of Major Brands Declining
    • Business Card End-User Demographics
      • 15 Million Business Card Users
        • Table Usage Rates for Selected Credit Card Classifications: Have or Use, Used 12 Months, and Used in last 30 Days, 2009 (% U.S. adults)
      • Baby Boomers are Top Card Users
      • Part-time Workers Less Likely, Self-Employed More Likely
      • Professional/Scientific/Technological Employees More Likely to be Card Users
      • Business Purchasing Involvement: Dramatically High Across Brands
  • The Market
    • Scope
      • Commercial Payment Card Categories
      • Products Out of Scope
    • Methodology
    • The Global Payment Card Market Overview
      • Rapid Expansion of the Global Payment Card Market
      • Global Payment Card Purchase Volume Declines in 2009
      • Payment Cards Continue to Replace Other Forms of Payment
        • Table Global Payment Card Purchase Volume and Year-over-Year Percentage Change,2005-2009 (in billions $)
    • The Global Commercial Payment Card Market
      • Global Payment Card Market Tops $1.0 Trillion
      • Commercial Market in 2009 Plummets
        • Table Global Commercial Payment Card Purchase Volume and Year-over-Year Percentage Change, 2005-2009 (in billions $)
    • Global Market by Brand
      • Visa, Inc. Leads Global Market
      • Visa Europe Declines More Shallow
      • America Express No Longer on Top
      • MasterCard Growth Suffers From Advanta Collapse, Small Business
      • China UnionPay the One to Watch
      • Other Commercial Payment Brands Find Strength in Home Markets
        • Table Annual Global Commercial Payment Card Purchase Volume by Brand, 2005-2009 (in billions $)
      • Global Brand Share Shifts in Visa's Favor
    • Global Market by Category
      • Innovation into Category Extinction
      • Corporate Cards' Steady Growth Falters
      • Small Business Cards Suffer Largest 2009 Decline
      • Purchasing & Fleet Cards Suffer from Lower Gas Prices
      • Prepaid & Benefit Cards Keep Growing
        • Table Global Commercial Payment Card Volume by Category, 2005-2009 (in billions $)
      • Global Share by Category
    • The U.S. Commercial Payment Card Market
      • U.S. Market Accounts for Bulk of Global Purchase Volume
      • U.S. Payment Card Purchase Volume Declines in 2009
        • Table U.S. Commercial Payment Card Purchase Volume and Year-over-Year Percentage Change, 2005-2009 (in billions $)
    • U.S. Market by Major Brand
      • Visa in U.S. Grabs Largest Share
      • American Express's U.S. Business Suffers
      • MasterCard's Robust U.S. Growth Does an About-Face
      • Discover Only a Minor Player
        • Table Annual U.S. Commercial Payment Card Purchase Volume by Major Brand, 2005-2009 (in billions $)
    • Market Forecast
      • It Wasn't a Very Good Year
      • Hope for a Rebound in 2010
    • Commercial Card Market to Grow in 2010
      • Through 2014 Growth to Grow Purchase Volume by 50%
        • Table Global Commercial Payment Card Purchase Volume and Year-over-Year Percentage Change, 2009-2014 (in billions $)
    • Global Market Forecast by Brand
      • China UnionPay Becomes a Player
        • Table Global Annual Commercial Payment Card Purchase Volume Forecast by Brand, 2009-2014 (in billions $)
    • Global Market Forecast by Category
      • Purchasing, Fleet to Add Most Purchase Volume
      • Corporate Cards to Grow at Slower Pace
      • Prepaid, Benefit Card Volume Growth the Most Robust
      • Small Business Volume Growth May be Hampered
        • Table Global Commercial Payment Card Purchase Volume by Category, 2009-2014 (in billions $)
    • U.S. Market Forecast
      • Table U.S. Commercial Payment Card Purchase Volume Forecast and Year-over-Year Percentage Change, 2009-2014 (in billions $)
  • Competitor Landscape
    • Overview
    • Visa Leading U.S. Commercial Card Brand
      • MasterCard a Close Third
      • JCB and China UnionPay Notable in Global Market
    • Profile: Visa, Inc.
      • Table Visa, Inc. Key Performance Metrics, 2005-2009
      • Visa, Inc. Global Commercial Volume
        • Table Visa, Inc. Total Global Commercial Volume and Year-over-Year Percent Change, 2005-2009 (in billions $)
      • Visa, Inc. Global Small Business Volume
        • Table Visa, Inc. Total Small Business Volume and Year-over-Year Percent Change, 2005-2009 (in billions $)
    • Profile: MasterCard Worldwide
      • Table MasterCard Worldwide Key Performance Metrics, 2005-2009
      • MasterCard Worldwide Global Commercial Volume
        • Table MasterCard Worldwide Total Global Commercial Volume and Year-over-Year Percent Change, 2005-2009 (in billions $)
      • MasterCard Worldwide Global Small Business Volume
        • Table MasterCard Worldwide Total Small Business Volume and Year-over-Year Percent Change, 2005-2009 (in billions $)
    • Profile: American Express Company
      • Table American Express Company Key Performance Metrics, 2005-2009
      • American Express Company Global Commercial Volume
        • Table American Express Company Total Global Commercial Volume and Year-over-Year Percent Change, 2005-2009 (in billions $)
      • American Express Company Global Small Business Volume
        • Table American Express Company Total Small Business Volume and Year-over-Year Percent Change, 2005-2009 (in billions $)
    • The Issuer Landscape
    • American Express, Issuer and Card Brand, on Top
    • JPMorgan Chase Vaults to Number Two
    • Wells Fargo Poised for Major Growth
    • Profile: JPMorgan Chase
    • JPMorgan Chase Commercial Card Growth Robust
    • Product Offerings
      • Table JPMorgan Chase Commercial Card Product Portfolio, 2009
    • Chase Targets Small Business with Ink
    • Competing with American Express a Major Strategy
    • Chase Blueprint to Help Manage Paying Balances
    • Profile: U.S. Bancorp
      • Table U.S. Bancorp Commercial Card Product Portfolio, 2009
      • Cash Rewards Small Business Card to Attract New Banking Customers
    • U.S. Bank Pilots Multi-Function Card
    • 2008 Hot for Purchasing, Fleet Cards
    • Purchasing, Fleet Take a Breather in 2009
      • Table U.S. Bancorp Key Performance Metrics, 2005-2009
    • Biodegradable PVC Fleet Cards for Voyager Customers
    • SmartPay Program Big Business for U.S. Bank
    • Profile: Advanta
    • Q1 2009 Sees the Beginning of the End
    • Advanta Exits Credit Card Business
    • Advanta Problems Indicative of Larger Problem
    • A Look at Closed Loop Fleet Networks
    • Fleetcor Becomes a Player
    • Comdata Clinging to Number One
    • Wright Express Cannibalizing Business
    • Voyager, T-Chek Bring Up the Rear
    • Profile: Wright Express
      • Table Wright Express Commercial Card Product Portfolio, 2009
      • 2008 a Boon Year for Wright Express
        • Table Wright Express Key Performance Metrics, 2005-2009
      • Lower Gas Prices & Fewer Transactions Lower Revenue in 2009
      • Wright Express Gets Federal Government Business
  • Global and U.S. Economic Environment
    • Global GDP Growth
      • Growth Stalls in 2009
      • GDP Growth for 2010 and Beyond
      • Emerging Economies May Be Greatest Prospect for Commercial Cards
    • U.S. Unemployment and Credit Card Defaults
      • Delinquency Rate a Leading Indicator?
      • Delinquency Rate Volatility May Signal Change in Direction for Charge-offs, Unemployment
      • Useful for Small Business Card Issuers
      • Charge-off Rates, Unemployment Go Sky High
      • Rising Delinquencies, Charge-offs, Unemployment to Continue Higher
    • "Real" Unemployment Much Higher
      • Spread Expands Dramatically
      • A Sign of Further Trouble Ahead
    • U.S. Business Landscape as Bellwether
      • Total Firms Contract to 29 Million
        • Table Total Number of U.S. Firms and Total Employment for Employer Firms and Non-Employers/Self-Employed, 2005-2009 (in millions)
      • Business Bankruptcies Skyrocket
      • Most Business Bankruptcies Lead to Liquidation
      • Employment Drops 5%
        • Table Percentage Change in U.S. Firms and Total Employment for Employer Firms and Non-Employers/Self-Employed, 2006-2009 (in millions)
      • Fewer Firms Equals Fewer Commercial Card Accounts
      • Total Revenues Plummet to $28 Trillion
        • Table Total Revenues of U.S. Employer Firms by Selected Sectors and Non-Employers/SelfEmployed, 2005-2009 (in billions $)
      • Service Sector Fastest Growing
        • Table Percentage Change in Revenues of U.S. Employer Firms by Selected Sectors and Non-Employers/Self-Employed, 2006-2009
    • U.S. Commercial Generated Revenues More Informative For Commercial Card Market
      • CGR Up Modestly in 2008, Down Dramatically in 2009
      • CGR to Rebound in 2010
      • Moderate CGR Growth Through 2014
      • Visa's Commercial Consumption Measure
  • Commercial Card Marketplace & Innovation
    • Still Opportunity in Devastating Economy
      • Not Your Fathers Recession
      • Commercial Cards Seen as Cost Reduction Tools
    • Commercial Cards Closing in on Paper and EFTs
      • Commercial Card Potential Huge
      • Much Innovation on the Backend
    • Satisfaction is High
    • Commercial Cards Drive Lower P2P Transaction Costs
    • Commercial Card Risk at Every Level
      • Managing Risk Through Analytics
    • Fraud and Security
      • Payment Fraud Up in 2008
        • Table Payment Types Seeing Most Fraudulent Activity, 2009 (%)
        • Table Primary Party Responsible for Fraud Using Corporate/Commercial Cards, 2009 (%)
    • Regulation Drives Product Evolution
    • New Product and Marketing Trends
      • Innovative Commercial Payment Options Reshape Market
      • One-Cards for Businesses Big and Small
      • Smart Cards Market Entry from Government Use
      • Mobile Pay End-User Willingness High
      • Biometrics, the Future of Card Use
    • Payment Systems and Expense Tracking Software
      • Marketplace Learning Spurs Innovation
      • Efficiency, Security and Control Price of Entry
      • Outsourcing Make Entry Easier
      • Software Tracking Other Payment Types Too
      • Sagging Economy May Spur Adoption of Both Cards and Systems
    • Personalization Meaningful in Corporate World
    • Do the Green Thing
    • Mindful Partnerships Motivate Small Business Use
      • Partnerships Can Increase Spending Too
    • Advertising Expenditures of Major Card Companies
      • Table Top Banks and Associations Ranked by Advertising Spend, 2008 ($ in millions)
    • Global Marketing Spend of Major Brands Declining
      • American Express Leads in Global Marketing Spend
      • Visa Second in Marketing Expense
      • MasterCard
      • Discover
  • Corporate Cards & Small Business Cards
    • Corporate Card Overhaul
    • Corporate Card Spend Overall to Decline 15% in 2009
      • Table Global Corporate Card Purchase Volume and Year-over-Year Percentage Change, 2005-2009 (in billions $)
    • Newer Corporate Card Capabilities Offer Control and Flexibility
      • More Companies Using Available Systems for Greater Savings and Control
    • Prepaid Corporate Cards Take Onus off Employees
    • Opportunity in Mandated Card Use
      • Capturing More Purchase Volume
      • Mandated Card Use Allows More Control
    • Business Travel Hit Will Affect T&E Cards
      • Strict T&E Oversight the New Normal
      • Electronic Meeting Alternatives
      • Card Travel Spend Still a Bargaining Tool
      • Travel Spend to Bounce Back but Figures Differ
      • Business Needs Will Still Be a Factor
    • Small Business Cards: A Powerful Tool For Small Businesses
    • Small Business Card Volume Takes Dive
      • Table Global Small Business Card Purchase Volume and Year-over-Year Percentage Change, 2005-2009 (in billions $)
    • The Glory Days of Small Business Cards
      • Small Business Cards Became More Sophisticated
    • Suddenly, the Market Changed
    • Can Card Terms Get Any Worse?
      • Card Reform Doesn't Cover Small Biz Cards
      • Banks' Perspective: Self-Preservation
    • Turmoil Aside, Still Potential in Small Biz
    • More Small Biz Owners Use Cards for Financing
      • The Card Companies as Small Business Lenders
  • Purchasing and Fleet Cards
    • Purchasing Cards: An Influential Category
    • The P-card/Fleet Market to Decline 12% in 2009
      • Table Global Purchasing & Fleet Card Purchase Volume and Year-over-Year Percentage Change, 2005-2009 (in billions $)
    • P-Card Adoption and Growth Limited to U.S., U.K.
    • Purchasing Cards Lowers Procurement Costs
      • Table Cost of a Procure-to-Pay Transaction, With and Without a P-Card, 2009
      • …Plus Enhances Efficiencies
    • Transaction Volume Rather Low
      • Table Share of Average Monthly Transactions by Program Size as Measured by Number of Cardholders, 2008 (percent)
    • Not Just Procurement Anymore
    • Purchasing Card Downside for Suppliers
    • P-cards Decrease Paper Transactions and Provide Data
    • GSA's SmartPay Continues to Grow and Drive P-Card Adoption
    • Meeting Card: A Mix of T&E and P-Card
    • Fleet Cards: A More Specific P-card
    • Components of Fleet Card Revenue
    • Fleet Fuel Spend and Card Volume Up on High Fuel Prices in 2008
      • A Sharp Retreat in 2009
      • Proprietary Fleet Card Spending Slow Through 2014
      • Fleet Card Users More Informed
      • More Efficient Vehicles Slow Fuel Demand
      • Lower Fuel Costs Through Bulk Fuel Sales, Preferred Vendors
      • Competition From Open Network Cards a Major Threat to Proprietary Fleet
    • Higher Fuel Prices
    • Volatile Fuel Costs
      • Future Expectations of Fuel Prices
    • Wright Express Mobile Payments Pilot
  • Prepaid, Incentive, Payroll and HSA Cards
    • Prepaid Cards Pay It Forward
      • Visa, MasterCard Opened It Up
    • Prepaid & Benefit Cards Growth Most Robust
      • Expect Global Growth in Underserved Markets
        • Table Global Prepaid & Benefit Card Purchase Volume and Year-over-Year Percentage Change, 2005-2009 (in billions $)
    • Excessive Fees Spur Unrest
      • Table Sample Revenue Profile for Prepaid Card Product Excluding Float
      • Table End-User Fees, Prepaid Cards
      • Nor Regulation…Yet
    • Regulatory Activity Heating Up
    • Incentive Prepaid Cards on the Rise
      • Time is Right for Incentive Cards
      • Flexibility Important to End-User
      • Card Loads Lower
      • Still Room for Merchant Cards
    • Payroll Cards: Efficient for Companies and Employees
      • Payroll Load to Reach $43 Billion by 2010
      • Direct Deposit Mature, Enter Prepaid Payroll
      • Savings is Clear, Compliance an Impasse
      • Is Walmart The Tipping Point?
      • Portable Payroll!
    • Health Benefit Cards and Soaring Health Costs
      • Health Insurance Industry Shifting Burden
      • Health Benefit Account Types
      • The Health Benefit Card Universe
      • HSA Account Growth Stellar
      • Tax Filings Show the Growth Too
      • Interchange and Account Fees a Goldmine
      • Stellar Growth for HSA Spending at CAGR of 24% Through 2014
      • Appeal of HSAs
      • HSA Card Volume Growth at CAGR of 27% Through 2014
      • Pending Legislation May Make HSAs Much Less Attractive
  • The U.S. Commercial Card End-User
    • Simmons Market Research Bureau Data
    • Card and Cardholder Classifications
    • Business Card User Penetration Rates
      • 15 Million Business Card Users
        • Table Usage Rates for Selected Credit Card Classifications: Have or Use, Used 12 Months, and Used in last 30 Days, 2009 (% U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications: Have or Use, Used in Last 12 Months, and Used in Last 30 Days, 2009 (in millions of U.S. adults)
    • Card Holder Penetration Levels Hold Steady Year over Year
      • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2004-2009 (% U.S. adults)
      • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2004-2009 (in millions of U.S. adults)
    • Total Card Use Versus Business Card Use by Brand
      • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2004-2009 (% U.S. adults)
      • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2004-2009 (in millions of U.S. adults)
    • Business Card Penetration by Brand Year over Year Static
      • Table Credit Card and Business Credit Card Penetration Rates, Year over Year, 2004-2009 (% U.S. adults)
      • Table Credit Card and Business Credit Card Penetration Rates, Year over Year, 2004-2009 (in millions of U.S. adults)
    • Usage in the Past 12 Months at Two Percent Year over Year
      • Table Credit Card and Business Credit Card Usage Rates in the Past 12 Months, Year over Year, 2004-2009 (% U.S. adults)
      • Table Credit Card and Business Credit Card Usage Rates in the Past 12 Months, Year over Year, 2004-2009 (in millions of U.S. adults)
    • Usage in the Past 30 Days Follows Static Trend
      • Table Credit Card and Business Credit Card Usage Rates in the Past 30 Days, Year over Year, 2004-2009 (% U.S. adults)
      • Table Credit Card and Business Credit Card Usage Rates in the Past 30 Days, Year over Year, 2004-2009 (in millions of U.S. adults)
    • Card Penetration Rates by Gender
      • Women Higher Penetration For Any Card, Lower For Business Card
        • Table Credit Card and Business Credit Card Usage Rates, by Gender, Year over Year, 2004-2009 (% U.S. adults)
        • Table Credit Card and Business Credit Card Usage Rates, by Gender, Year over Year, 2004-2009 (in millions of U.S. adults)
    • Men Show Slightly Higher MasterCard Usage in Past 12 Months over Visa and American Express
      • Table Credit Card and Business Credit Card Usage Rates in Last 12 Months and Last 30 Days, by Gender, 2009 (% U.S. adults)
      • Table Credit Card and Business Credit Card Usage Rates in Last 12 Months and Last 30 Days, by Gender, 2009 (in millions of U.S. adults)
    • Business Card User Top Personal Demographics
      • Baby Boomers are Top Card Users
    • Several Demographic Characteristics Common Across Brands
    • Significant Lack of Use Among Blacks and Hispanics
      • Children in Household Not a Strong as Suspected
        • Table Top Demographic Characteristics of Business Card Users, 2009
        • Table Top Demographic Characteristics of Visa Business Card Users, 2009
        • Table Top Demographic Characteristics of MasterCard Business Card Users, 2009
        • Table Top Demographic Characteristics of American Express Business Card Users, 2009
    • Business Card User Top Work-Related Demographics
      • Note on Data
    • Individual Employment Income: High Earners Highly Likely
      • Table Indices for Use of Selected Credit Card Classifications, by Individual Employment Income, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Individual Employment Income, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Individual Employment Income, 2009 (% of U.S. adults)
    • Employed Adults in Household: Two Most Likely
      • Table Indices for Use of Selected Credit Card Classifications, by Number of Employed Adults in Household, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Employed Adults in Household, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Employed Adults in Household, 2009 (% of U.S. adults)
    • Employment Status: Part-time Workers Less Likely
      • Table Indices for Use of Selected Credit Card Classifications, by Employment Status, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Employment Status, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Employment Status, 2009 (% of U.S. adults)
    • Hours Work Weekly
      • Table Indices for Use of Selected Credit Card Classifications, by Hours Work Weekly, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Hours Work Weekly, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Hours Work Weekly, 2009 (% of U.S. adults)
    • Employed by Others/Self-Employed: Self-Employed Pre-disposed to Use
      • Table Indices for Use of Selected Credit Card Classifications, Employed by Others versus Self- Employed, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, Employed by Others versus Self-Employed, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, Employed by Others versus Self-Employed, 2009 (% of U.S. adults)
    • Length at Present Job: Long-Term Employees are Larger Share of Card Holders
      • Table Indices for Use of Selected Credit Card Classifications, by Length of Service at Present Job, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Length of Service at Present Job, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Length of Service at Present Job, 2009 (% of U.S. adults)
    • Type of Industry: Professional/Scientific/Technological Employees More Likely to be Card Users
      • Table Indices for Use of Selected Credit Card Classifications, by Type of Industry, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Type of Industry, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Type of Industry, 2009 (% of U.S. adults)
    • Occupation: White Collar Dominates
      • Table Indices for Use of Selected Credit Card Classifications, by Occupation, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Occupation, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Occupation, 2009 (% of U.S. adults)
    • Job Title: Top Managers Highest Penetration but Owners/Partners Above Average Users
      • Table Indices for Use of Selected Credit Card Classifications, by Job Title, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Job Title, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Job Title, 2009 (% of U.S. adults)
    • Company Size: Smaller Sees Greater Penetration
      • Table Indices for Use of Selected Credit Card Classifications, by Company Size, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Company Size, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Company Size, 2009 (% of U.S. adults)
    • Business Purchasing Involvement: Dramatically High Across Brands
      • Table Indices for Use of Selected Credit Card Classifications, by Level of Purchasing Involvement in Last 12 Months, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Level of Purchasing Involvement in Last 12 Months, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Level of Purchasing Involvement in Last 12 Months, 2009 (% of U.S. adults)
    • Business Purchasing Area of Spend in Last 12 Months: Laptop/Desktop Workstations Are the Top Purchases AmongBusiness Cardholders
      • Table Indices for Use of Selected Credit Card Classifications, by Personal Involvement in Select Areas of Spend in the Past 12 Months, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Personal Involvement in Select Areas of Spend in the Past 12 Months, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Personal Involvement in Select Areas of Spend in the Past 12 Months, 2009 (% of U.S. adults)
    • Employed by Others: Categories
      • Table Indices for Use of Selected Credit Card Classifications, by Employed by Others: Categories, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Employed by Others: Categories, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Employed by Others: Categories, 2009 (% of U.S. adults)
    • Business Purchasing Trends by Card Type
      • Business Purchasing Involvement
        • Table Indices for Use of Selected Credit Card Classifications, by Level of Purchasing Involvement in Last 12 Months, 2009 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications, by Level of Purchasing Involvement in Last 12 Months, 2009 (in thousands of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications, by Level of Purchasing Involvement in Last 12 Months, 2009 (% of U.S. adults)
    • Laptop/Desktop Workstations Are the Top Purchases Among Business Cardholders
      • Table Indices for Use of Selected Credit Card Classifications, by Personal Involvement in Select Business Purchasing Categories in the Past 12 Months, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Hours Work Weekly, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Hours Work Weekly, 2009 (% of U.S. adults)
    • Company Size: Smaller See Greater Penetration
      • Table Indices for Use of Selected Credit Card Classifications, Hours Work Weekly, 2009 (U.S. adults)
      • Table Total Number of Users for Selected Credit Card Classifications, by Hours Work Weekly, 2009 (in thousands of U.S. adults)
      • Table Penetration Levels for Selected Credit Card Classifications, by Hours Work Weekly, 2009 (% of U.S. adults)
  • Addresses
    • Commercial Card Networks
    • Commercial Card Issuers

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report