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Commercial Payment Cards: The U.S. and Global Markets and Trends, 7th Edition


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

With job creation showing signs of accelerating at the beginning of 2012, there is a renewed sense that business expansion will once again breathe life into the U.S. economy. And, with speculation that international economies may experience slower growth or even mild recession, now is the time for card issuers and marketers to double-down on the $730 billion U.S. commercial and small business card market.

While the need by many issuers to be somewhat risk averse may remain, small business card issuers and marketers that find a balance between risk management and aggressive promotion will be richly rewarded once the U.S. economy is expanding at full speed. At the same time, an extraordinary opportunity exists for commercial card issuers, particularly for purchasing cards, to capture the $21 trillion automated clearing house (ACH) universe of commercial electronic payments.

Several trends will be at the forefront over the next few years as commercial card issuers and marketers jockey for position in an increasingly competitive landscape. Analytical tools for the card issuers and the card program managers will become more robust and flexible as risk management and fraud detection become increasingly important.

The growing interest in mobile payments and technology in the consumer space is expected to find its footing commercially as well. The $400 billion U.S. small business card market will continue to walk that fine line between consumer and commercial with the potential for additional regulatory cardholder protections. Moreover, commercial cards will benefit from increased penetration by companies seeking to further reduce costs.

Scope

Commercial Payment Cards: The U.S. and Global Markets and Trends, 7th Edition presents data on and analysis of the Global and U.S. market for commercial payment cards and the U.S. market for commercial electronic payments. The report presents the size and growth of the market and related key metrics within the broader payment card arena. Included are discussions of the various card associations or networks, commercial payment card types, trends and factors affecting their growth, and a focused analysis of commercial card consumer demographics and preferences. In addition, major card brands and issuers are profiled with recent activity.

All new for this report edition is a look at the estimated $21 trillion U.S. commercial ACH market. In addition, card volume data are presented by product category (small business, commercial) and by region (Global, U.S., International). Also new is commercial card volume product segmentation (corporate, fleet, purchasing, and prepaid) for the United States.

Methodology

Report data were obtained from various public and syndicated data sources, trade associations and publications, business journals, company literature, investment reports, and industry interviews. In most cases, the market data span the 2007–2011 period (2011 is estimated) with forecasts for 2012–2016. The key market statistic for commercial payment cards is expressed in terms of total purchase volume. The figures are primarily “dollar volume” figures published by the major associations, which consist predominantly of purchase volume (transactions for goods and services), but also include some cash volume (e.g. balance transfers, cash advances), particularly for small business cards. Packaged Facts' reasoning is that the vast majority of all “dollar volume” in the commercial payment space consists mostly of purchase volume, and therefore is more comparable to purchase volume within the overall payment card market. Figures from Visa and Discover are purchase volume only unless otherwise indicated, while American Express and MasterCard figures are “billed business” and “gross dollar volume,” respectively.

Volume figures were obtained primarily from associations (e.g., Visa, MasterCard) and issuer (e.g. American Express, various major banks) SEC filings, annual and quarterly reports, supplemental operational publications, and press releases. In some cases, dollar volume figures as well as other statistics were derived from other published metrics.

While the standard metric for commercial electronic payment is number of transactions, Packaged Facts provides estimates of dollar volume to show the value of the total U.S. commercial payment market. Data for electronic payments were taken from published statistics and press releases at the electronic payments association, NACHA.org.

Public data sources include the U.S. Bureau of Economic Analysis (BEA), the U.S. Bureau of Labor Statistics (BLS), the U.S. Census Bureau, the International Monetary Fund (IMF), and the World Bank. Syndicated data by Experian Simmons was used by Packaged Facts to analyze consumer behavior and demographics. The data comes from the Spring 2011 adult consumer survey, which is based on over 20,000 respondents age 18 or over.


  • Executive Summary
    • Scope
      • Commercial Payment Market Product Categories and Segments
      • Products and Services Out of Scope
      • Scope Refinements
    • Methodology
    • Chapter Layout
      • The U.S. & Global Commercial Payments Market
      • U.S. & Global Commercial Cards
      • U.S. Commercial Card Trends
      • U.S. & Global Small Business Cards
      • U.S. Small Business Card Trends
      • Competitor Landscape
      • End Users
    • The Global Commercial & Small Business Payment Card Market
      • Global Commercial & Small Business Volume Growth at 18%
        • Table Global Commercial, Small Business, Total Commercial & Small Business Payment Card Purchase Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • U.S. Commercial & Small Business Reaches $728 Billion
      • International Commercial & Small Business Up 25%
        • Table U.S., International, and Global Commercial & Small Business Payment Card Purchase Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • U.S. Commercial Card & Electronic Payments Up 4%
        • Table U.S. Commercial & Small Business Card, Commercial Electronic, Total U.S. Commercial Payment Market and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • Global Commercial Card Volume to Hit $2.0 trillion
    • Commercial Cards Market
      • International Slightly Outpaces U.S.
        • Table U.S. Commercial Card Purchase Volume by Major Association, 2007-2011 (in billions $)
        • Table International Commercial Card Purchase Volume by Major Association, 2007-2011 (in billions $)
      • Commercial Cards in U.S. Led by Purchasing Cards
        • Table U.S. Commercial Volume by Card Product, 2007-2011 (in billions $)
    • Small Business Cards Market
      • U.S. Small Business Card Growth at Four Times the Size of International
        • Table U.S. Small Business Card Purchase Volume by Major Association. 2007-2011 (in billions $)
        • Table International Small Business Card Purchase Volume by Major Association, 2007-2011 (in billions $)
    • Commercial and Small Business Card Trends
      • U.S. Market the Place to Be … for Now
      • Emerging Markets Still an Opportunity
      • Commercial Cards Recovering from Recession Hit
      • Business Outlook-Glass Sort of Half Full, Maybe …
      • Card Business Recovery Fostered by Steady Marketing
      • Focus on Mobile and Analytics for Growth
      • Opportunity to Push Mobile
      • Commercial Cards Have a Ready Platform for Mobile in Major Card Brands
      • A Word on Chip and Pin Innovations
      • Mobile Leadership Flux, but Analytics Ready and Well Developed
      • Long Haul Learning Curve for Adoptions of Mobile and Analytics
      • Analytics Key in Anti-Fraud and Security
      • Can Commercial Card Usurp Paper and EFTs for B2B
      • Card-Specific Drivers
      • Fleet Volume May Suffer due to More Efficient Vehicles
      • Higher Fuel Prices
      • Purchasing Dramatically Affected by Shifts in GSA Activity
      • Corporate Cards to Benefit from Strong Business Travel Levels
      • Travel Card Spend Up
      • Small Business Card Rates Normalizing
      • Issuers Balk at Calls for Reform of CARD Act to Benefit Small Biz Card Users
      • Small Biz Turning Away From Cards for Financing Anyway
    • The U.S. Business Card End-User
      • More than 10 Million Business Card Users
        • Table Usage Rates for Selected Credit Card Classifications: Have or Use and Used in last 30 Days, 2011 (% U.S. adults)
      • Business Card Penetration by Brand Year over Year Declining
        • Table Credit Card and Business Credit Card Penetration Rates, Year over Year, 2006-2011 (% U.S. adults)
      • Several Demographic Characteristics Common Across Brands
      • Workaholics, Self-Employed and Professional/Scientific/Technological Employees More Likely to be Card Users
      • Business Purchasing Area of Spend
  • The U.S. and Global Market: Highlights
  • The U.S. and Global Market
    • Scope
      • Commercial Payment Market Product Categories and Segments
      • Products and Services Out of Scope
      • Scope Refinements
    • Methodology
    • Chapter Layout
      • The U.S. & Global Commercial Payments Market
      • U.S. & Global Commercial Cards
      • U.S. Commercial Card Trends
      • U.S. & Global Small Business Cards
      • U.S. Small Business Card Trends
      • Competitor Landscape
      • End Users
    • The Global Payment Card Market Overview
      • Global Payment Card Market Vaults 23%
      • Visa and China UnionPay Largely Responsible for Growth
        • Table Global Payment Card Dollar Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • Purchase Volume Growth Even More Robust
        • Table Global Payment Card Purchase Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
    • The Global Commercial & Small Business Payment Card Market
      • Global Commercial & Small Business Volume Growth at 18%
      • Global Commercial Up 19%
      • Global Small Business Growth at $518 Billion
        • Table Global Commercial, Small Business, Total Commercial & Small Business Payment Card Purchase Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • U.S. Commercial & Small Business Reaches $728 Billion
      • International Commercial & Small Business Up 25%
        • Table U.S., International, and Global Commercial & Small Business Payment Card Purchase Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • Visa Global Commercial & Small Business Growth at 14%
      • American Express Volume Recovers
      • MasterCard Recovers with Gusto
      • Visa Europe Breaks $100 Billion
      • China UnionPay Volume up 63%
      • JCB Growth at 12% in 2011
      • Diners Club Volume Up 9%
        • Table Global Commercial & Small Business Payment Card Purchase Volume by Association, 2007-2011 (in billions $)
      • Fleet Networks Surge 23%
        • Table Global Small Business Card Purchase Volume Year-over-Year Percentage Changes by Major Association, 2007-2011 (in billions $)
    • The U.S. Commercial Payments Market: Cards & Electronic Payments
      • Commercial Card & Electronic Payments Up 4%
      • U.S. Commercial & Small Business Cards
        • Table U.S. Commercial & Small Business Card, Commercial Electronic, Total U.S. Commercial Payment Market and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • Compared to Total Overall Card Market, Commercial Cards Fared Worse in 2009
      • Consumer Card Volume Fares Better
      • U.S. Commercial Electronic Payments Total $21.2 Trillion
    • Market Forecast
      • Global Commercial Card Volume to Hit $2.0 trillion
      • Commercial Card Volume to Near $1.2 Trillion by 2016
      • Small Business Card Volume to Near $800 Billion by 2016
        • Table Global Commercial, Small Business, and Total Commercial & Small Business Payment Card Purchase Volume Forecast and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • U.S. Market Growth
      • U.S. Small Business Growth to Outpace International
      • International Market Growth may Be Slower than in U.S. ... for Now
      • Europe Teetering on Recession
      • China UnionPay Becoming a Major Player
      • GDP Growth Lower in Some International Markets
        • Table U.S., International, and Global Commercial & Small Business Payment Card Purchase Volume Forecast and Year-over-Year Percentage Change, 2007-2011 (in billions $)
        • Table Global Commercial & Small Business Payment Card Purchase Volume Forecast by Association, 2007-2011 (in billions $)
      • U.S. Electronic Payments Growth to Bounce Back
        • Table U.S. Commercial & Small Business Card, Commercial Electronic, and Total U.S. Commercial Payment Market Forecast and Year-over-Year Percentage Change, 2007-2011 (in billions $)
  • U.S. & Global Commercial Cards: Highlights
  • U.S. & Global Commercial Cards
    • Overview
    • Global Commercial Volume Up 19%
      • Volume Up $200 Billion in Five Years
        • Table U.S., International, and Global Commercial Card Purchase Volume by Major Association, 2007-2011 (in billions $)
      • U.S. Growth Drives Volume to over $300 Billion
      • International Growth Drives Volume to over $400 Billion
      • Visa Commercial on Top with $190 Billion
      • American Express Volume Recovers
      • MasterCard Volumes Still Below 2008 Peak
      • Visa Europe Breaks $100 Billion
      • China UnionPay Volume up 63%
      • JCB Growth at 12% in 2011
      • Diners Club Nears $30 Billion
        • Table Global Commercial Card Purchase Volume by Major Association, 2007-2011 (in billions $)
      • Fleet Networks Up 23%
        • Table Global Commercial Card Purchase Volume Year-over-Year Percentage Changes by Major Association, 2007-2011 (in billions $)
    • U.S. Commercial Volume 45% of Global Market
      • Visa Captures 32% of U.S. Market
      • American Express Commercial Card Growth at 14%
      • MasterCard Commercial Volume at $76 Billion
      • Closed-Loop Fleet reaches $65 Billion in U.S.
        • Table U.S. Commercial Card Purchase Volume by Major Association, 2007-2011 (in billions $)
        • Table U.S. Commercial Card Purchase Volume Year-over-Year Percentage Changes by Major Association, 2007-2011 (in billions $)
    • U.S. Commercial Cards by Products
      • Table U.S. Commercial Volume by Card Product, 2007-2011 (in billions $)
    • U.S. Purchasing Cards
      • Purchasing Cards Lead Commercial Cards
        • Table U.S. Purchasing Card Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
    • U.S. Corporate Cards
      • Corporate Card Volume Growth Up 8.9%
        • Table U.S. Corporate Card Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
    • U.S. Fleet Cards
    • Components of Fleet Card Revenue
      • U.S. Fleet Card Volume Hits $75 Billion
        • Table U.S. Fleet Card Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • Closed-Loop Fleet Cards Boom
        • Table U.S. Closed-Loop Fleet Card Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
      • Co-Branded Fleet Cards Up 15%
        • Table U.S. Co-Branded Fleet Card Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
    • U.S. Prepaid Cards
      • Prepaid Cards at $58 Billion
        • Table U.S. Prepaid Card Volume and Year-over-Year Percentage Change, 2007-2011 (in billions $)
    • International Commercial Volume
      • International Commercial Volume Tops $400 Billion
      • Visa Europe Leads International Markets
      • Visa Inc. International Up 14%
      • MasterCard Volume Booms 44%
      • American Express International at $72 Billion
      • Closed-Loop Fleet International Volume at $5 Billion
        • Table International Commercial Card Purchase Volume by Major Association, 2007-2011 (in billions $)
        • Table International Commercial Card Purchase Volume Year-over-Year Percentage Changes by Major Association, 2007-2011 (in billions $)
    • Commercial Card Forecast
      • Commercial Card Volume to Near $1.2 Trillion by 2016
      • Growth in 2012 Strongest for Period
      • U.S. Market Growth Driven by Better Economy
        • Table U.S., International, and Global Commercial Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
      • International Market Growth Slower Than Previous Years
      • China Growth Most Robust
      • Visa, American Express See 11% Growth
      • Closed-Loop Fleet Growth at 7%
        • Table Global Commercial Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
      • U.S. Commercial Card Growth Greater Than Small Business
      • Visa Leading U.S. Commercial Card Growth
      • American Express U.S. Growth Slower
        • Table U.S. Commercial Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
      • U.S. Product Growth Led by Purchasing, Prepaid
        • Table U.S. Commercial Volume Forecast by Card Product, 2011-2016 (in billions $)
      • International Commercial Growth Greater Than Small Business
      • American Express, CUP to Lead International Growth
        • Table International Commercial Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
  • Commercial Card Trends
    • Global GDP Growth Unhurried
      • Table Gross Domestic Product by Major Economic Groups: United States, G7 Countries (ex U.S.), Emerging & Developing Economies, and All Other Advanced Economies, 2007-2011 (in trillions current $)
      • The 2009 Economic Plunge
      • Post Recession Rebound
        • Table Gross Domestic Product Growth by Major Economic Groups: United States, G7 Countries (ex U.S.), Emerging & Developing Economies, and All Other Advanced Economies, 2007-2011 (in trillions current $)
      • Slower Growth Expected Ahead
        • Table Gross Domestic Product Forecast by Major Economic Groups: United States, G7 Countries (ex U.S.), Emerging & Developing Economies, and All Other Advanced Economies, 2007-2011 (in trillions current $)
        • Table Gross Domestic Product Growth Forecast by Major Economic Groups: United States, G7 Countries (ex U.S.), Emerging & Developing Economies, and All Other Advanced Economies, 2007-2011 (in trillions current $)
      • U.S. Market the Place to Be … for Now
      • Emerging Markets Still an Opportunity
    • Recession Effects Linger but Tempered Optimism for 2012
      • Fourth Quarter 2011 Spending Double Pre-Recession
        • Table Expected U.S. Business Firm Growth in Next 12 months, December 2007-December 2011
      • Business Outlook-Glass Sort of Half Full, Maybe …
        • Table Level of Optimism about the U.S. Economy and Own Company on a Scale from 0-100 (0 = the least optimistic and 100 = the most optimistic), December 2011 through December 2007
      • Challenges to Growth, but also Lack of Excitement in the Business Community
    • Commercial Cards Took Recession Hit Too
      • High Levels of Marketing Despite Poor Economy a Smart Move
    • What's Next Innovation to Grow Volume?
      • Mobile and Analytics, a Happy Couple
    • Opportunity to Push Mobile
      • Commercial Cards Have a Ready Platform for Mobile in Major Card Brands
      • Banks Shouldn't Miss the Opportunity
      • A Word on Chip and Pin Innovations
    • Mobile Design in Flux, but Analytics Ready and Well Developed
      • More Tracking in Ancillary Fees
      • Is Making the Switch a Trust Issue for Some?
      • Eco-reporting an Interesting Use
    • Long Haul Learning Curve for Adoptions of Mobile and Analytics
      • Analytics Key in Anti-Fraud and Security
        • Table Payment Types Seeing Most Fraudulent Activity, 2009 vs. 2010 (%)
    • Can Commercial Card Usurp Paper and EFTs for B2B
      • Table Payment Method Used to Pay Major Suppliers (Mean Distribution of Payments), 2007 vs. 2010
    • Card-Specific Drivers
    • Components of Fleet Card Revenue
      • More Efficient Vehicles May Slow Fuel Demand
      • Higher Fuel Prices
    • Purchasing Dramatically Affected by Shifts in GSA Activity
    • Corporate Cards to Benefit from Strong Business Travel Levels
      • Travel Card Spend Up
      • But, Shifts in Travel Spend Allocations
        • Table Change in Business Travel Spending Levels, 2010 vs. 2011
      • Travel Alternatives Will Continue to Be Considered
  • Small Business Cards in the U.S.: Highlights
  • Small Business Cards in the U.S.
    • Overview
    • Small Business Card Product
    • Global Small Business Volume Up 16%
      • New Offers Drive Volume Higher
      • Small Business Hit Hard in 2009
      • U.S. Growth Drives Volume to over $400 Billion
        • Table U.S., International, and Global Small Business Card Purchase Volume by Major Association, 2007-2011 (in billions $)
      • International Growth Drives Volume to over $100 Billion
      • Visa Tops Volume Globally
      • American Express Volume Recovers
      • MasterCard Volumes Still Below 2008 Peak
      • Discover Remains a Small but Growing Player
        • Table Global Small Business Card Purchase Volume by Major Association, 2007-2011 (in billions $)
        • Table Global Small Business Card Purchase Volume Year-over-Year Percentage Changes by Major Association, 2007-2011 (in billions $)
    • U.S. Small Business Volume Growth at 5%
      • Visa Captures Largest Share of U.S. Small Business Market
        • Table U.S. Small Business Card Purchase Volume by Major Association, 2007-2011 (in billions $)
      • American Express U.S. Small Business Growth at 14%
        • Table U.S. Small Business Card Purchase Volume Year-over-Year Percentage Changes by Major Association, 2007-2011 (in billions $)
      • MasterCard Gets 15% of U.S. Small Business
    • International Small Business Volume Growth at 9%
      • American Express International Small Business Growth at 17%
        • Table International Small Business Card Purchase Volume by Major Association, 2007-2011 (in billions $)
      • Visa International Volume Up 18%
        • Table International Small Business Card Purchase Volume Year-over-Year Percentage Changes by Major Association, 2007-2011 (in billions $)
      • MasterCard Volume Booms
    • Small Business Card Forecast
      • Small Business Card Volume to Near $800 Billion by 2016
      • U.S. Small Business Growth to Outpace International
        • Table U.S., International, and Global Small Business Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
      • Global Small Business Growth by Association
        • Table Global Small Business Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
      • Visa Leads U.S. in Nominal Volume, Discover in Percentage Growth
        • Table U.S. Small Business Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
      • International Small Business Growth Led by Visa
        • Table International Small Business Card Purchase Volume Forecast by Major Association, 2007-2011 (in billions $)
  • Small Business Card Trends
    • Can Small Biz Card Terms Get Any Worse?
      • Interests Rate Already Settling Down
      • Limit Reductions
      • Still Sneaky After All These Years
      • Financial Paranoia Heightened
      • What Are the CARD Act Protections?
        • Table Key Provisions of the Credit Card: Accountability, Responsibility and Disclosure (CARD) Act of 2009
      • Calls for Reform of CARD Act to Benefit Small Biz Card Users
      • Issuer Perspective: Self-Preservation
      • Some Banks Amending Rules Independently
      • Ulterior Motives for Voluntary Protections?
    • Small Biz Turning Away from Cards for Financing
      • Table Types of Financing Used within the Past 12 Months to Meet Capital Needs, 2008-2011
    • Borrowing in General a Challenge for Small Biz Owners
      • Or Are They Just Not Borrowing?
      • Small Business Jobs and Credit Act May Help Borrowers and Lenders Meet
      • Credit Crunch Impact Easing
        • Table Small Business Owners Reporting Being Impacted by Credit Crunch, 2008-2011
      • Job Growth Reported
    • The Return of Small Business Card Marketing
      • Mailings Up
      • Cheerful Small Business Cards Introductions
    • Making Use of Social Media for a New Generation
      • DailyCandy and Ink
      • Amex Is Busy in New Media
      • Card Added Value: Education and Networking Through Social Media
    • Mobile Applications May First Make Their Mark in Small Biz
      • Chase's Jot
  • Competitor Landscape: Highlights
  • Competitor Landscape
    • Overview
    • Visa, Inc.
      • Table Visa Commercial Card Products and Solutions
      • Visa Volume Up 14%
        • Table Visa Inc. Global, U.S., and International Commercial & Small Business Card Purchase Volume, 2007-2011 (in billions $)
      • Significant Events
      • Visa's Syncada Payment Volume More than $21 billion in 2011
      • Visa's SavingsEdge Expands with Merchants
      • Visa's Prepaid Employee Benefits Program Tie-up with WageWorks
      • Visa to Accelerate Migration to EMV Chip Technology
      • Visa Launches Digital Wallet
      • Acquisitions Set Pace for Next Generation Mobile Offerings Worldwide
    • MasterCard Worldwide
      • Table MasterCard Commercial Card Solutions
      • Table MasterCard Commercial Card Products
      • Table MasterCard Commercial Card Solutions
      • MasterCard Volume Rebounds
        • Table MasterCard Worldwide Global, U.S., and International Commercial & Small Business Card Purchase Volume, 2007-2011 (in billions $)
      • Significant Events
      • MasterCard and Western Union Partner on Electronic Payments
      • Intel and MasterCard Collaborate for Online Shopping
      • Expanding Healthcare Payments Reach
      • MasterCard Introduced Advanced Global Fraud Prediction Service
      • MasterCard Mobile Payments Initiatives Broad
    • American Express Company
      • Table American Express Commercial Card Products and Solutions
      • Table American Express Purchasing Solutions
      • Table American Express Business Travel Programs
      • American Express Volume Recovers
        • Table American Express Global, U.S., and International Commercial & Small Business Card Purchase Volume, 2007-2011 (in billions $)
      • Significant Events
      • American Express Targets Small Business Through Social Media
      • New Tools to Prevent Fraud and Control Spending
      • American Express Adds to Travel Offering
      • American Express Commitment to Next Generation Solutions
    • Discover Financial Services
      • Table Discover Commercial Card Products and Payment Solutions
      • Discover Volume Less Than 1% of U.S. Small Business
      • 2011 Initiatives
    • Issuer Profiles
      • JPMorgan Chase & Co.
      • JPMorgan Chase Commercial Card Growth Shrinks
      • Commercial ACH Transaction Volume Flat, Dollar Volume Up
      • Product Offerings
        • Table JPMorgan Chase Commercial Card Product Portfolio
        • Table JPMorgan Chase Commercial Electronic Payments Solutions
      • Chase Targets Small Business with Enhanced Ink Rewards
      • Enhanced Card Offerings with Leading Airlines
    • U.S. Bancorp
      • Payment Volume Growth Out Paces Payment Revenue Growth
        • Table U.S. Bancorp Commercial Card Product Portfolio
        • Table U.S. Bancorp Commercial Electronic Payments
      • U.S. Bank Unit Acquires $700M in Credit Card Portfolios
      • U.S. Bank Uses Social Media in Outreach to Small Business
      • Targeting North American Corporate Clients in Europe
    • Capital One Financial
      • Table Capital One Commercial Card Product Portfolio
      • Aggressive Expansion in Card Business
      • New Commercial Card and Payment Business Offerings
    • Wells Fargo & Co.
      • Table Wells Fargo Commercial Card Product Portfolio
      • Wells Fargo Card Expense Reporting via Smartphones
    • Bank of America Corp.
      • Table Bank of America Commercial Card Product Portfolio
      • Table Bank of America Commercial Prepaid Card Product Portfolio
      • Bank of America Exits International Card Business to focus on U.S.
      • E-Payables Seen as a Key Growth Driver
      • Bank of America Merrill Lynch Technology Enhancements
    • Citigroup
      • Table Citigroup Federal Government/Public Sector Card Product Portfolio Federal Government/Public
      • Table Citigroup Commercial Card Product Portfolio
      • Citi Launches Project Card
      • Citi Launches Various Features including Chip & Pin Card Solution
    • Comerica Inc.
      • Table Comerica Commercial Card Product Portfolio
    • PNC Bank
      • Table PNC Bank Commercial Small Business Card Product Portfolio
      • Acquisition of RBC's Retail Banking Business
      • PNC Further Expands Through Selective Regional Acquisitions
      • PNC offers Secure Chip Card to Commercial Customers
    • Closed Loop Fleet Networks
      • Wright Express
        • Table Wright Express Commercial & Fleet Cards and Electronic Payments Product Portfolio
      • Strong Growth in 2011
      • Effective Hedging to Mitigate Impact of Lower Gas Prices in 2012
      • Expansion in International Markets
      • Expansion into Payroll Cards and Other Business
      • Alliances and Partnerships
    • Fleetcor Technologies
      • Table Fleetcor Commercial Card Product Portfolio
      • Continuing the Acquisition Spree
    • Comdata
      • Table Comdata Commercial Card Product Portfolio
      • Launch of RFID Cardless Fuelling Program
      • Comdata Expands Through Partnerships
    • T-Chek
      • Table T-Chek Commercial Card Product Portfolio
  • The U.S. Business Card End-User: Highlights
  • The U.S. Business Card End-User
    • Experian Simmons Data
    • Card and Cardholder Classifications
    • Business Card User Penetration Rates
      • More than 10 Million Business Card Users
        • Table Usage Rates for Selected Credit Card Classifications: Have or Use and Used in last 30 Days, 2011 (% U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications: Have or Use and Used in Last 30 Days, 2011 (in millions of U.S. adults)
      • Business Card Usage Declined between 2008 and 2011
        • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2006-2011 (% U.S. adults)
        • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2006-2011 (in millions of U.S. adults)
      • Total Card Use vs. Business Card Use by Brand
        • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2006-2011 (% U.S. adults)
        • Table Credit Card and Business Credit Card Usage Rates, Year over Year, 2006-2011 (in millions of U.S. adults)
      • Business Card Penetration by Brand Year over Year Declining
        • Table Credit Card and Business Credit Card Penetration Rates, Year over Year, 2006-2011 (% U.S. adults)
        • Table Credit Card and Business Credit Card Penetration Rates, Year over Year, 2006-2011 (in millions of U.S. adults)
      • Usage in the Past 30 Days in Decline
        • Table Credit Card and Business Credit Card Usage Rates in the Past 30 Days, Year over Year, 2006-2011 (% U.S. adults)
        • Table Credit Card and Business Credit Card Usage Rates in the Past 30 Days, Year over Year, 2006-2011 (in millions of U.S. adults)
    • Card Penetration Rates by Gender
      • Men Show Slightly Higher Usage over Women
        • Table Credit Card and Business Credit Card Usage Rates in Last 12 Months and Last 30 Days: By Gender, 2011 (% U.S. adults)
        • Table Credit Card and Business Credit Card Usage Rates in Last 12 Months and Last 30 Days: By Gender, 2011 (in millions of U.S. adults)
    • Business Card User Top Personal Demographics
      • Several Demographic Characteristics Common Across Brands
      • Baby Boomers are Top Card Users
      • Significant Lack of Use Among Blacks and Hispanics
      • Household Income $75K+ Key Threshold for Increased Card Usage
        • Table Top Demographic Characteristics of Business Card Users, 2011
        • Table Top Demographic Characteristics of Visa Business Card Users, 2011
        • Table Top Demographic Characteristics of MasterCard Business Card Users, 2011
        • Table Top Demographic Characteristics of American Express Business Card Users, 2011
    • 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, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Individual Employment Income, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Individual Employment Income, 2011 (% 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, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Employed Adults in Household, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Employed Adults in Household, 2011 (% of U.S. adults)
      • Employment Status: Part-time Workers Less Likely
        • Table Indices for Use of Selected Credit Card Classifications by Employment Status, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Employment Status, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Employment Status, 2011 (% of U.S. adults)
      • Workaholics Above Average Users
        • Table Indices for Use of Selected Credit Card Classifications by Hours Work Weekly, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Hours Work Weekly, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Hours Work Weekly, 2011 (% of U.S. adults)
      • Employed by Others/Self-Employed: Self-Employed Predisposed to Use
        • Table Indices for Use of Selected Credit Card Classifications, Employed by Others vs. Self-Employed, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications, Employed by Others vs. Self-Employed, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications, Employed by Others vs. Self-Employed, 2011 (% 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, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Length of Service at Present Job, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Length of Service at Present Job, 2011 (% 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, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Type of Industry, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Type of Industry, 2011 (% of U.S. adults)
      • Occupation: White Collar Dominates
        • Table Indices for Use of Selected Credit Card Classifications by Occupation, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Occupation, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Occupation, 2011 (% 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, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Job Title, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Job Title, 2011 (% of U.S. adults)
      • Company Size: Smaller Sees Greater Usage Penetration
        • Table Indices for Use of Selected Credit Card Classifications by Company Size, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Company Size, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Company Size, 2011 (% 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, 2011 (U.S. adults)
        • Table Total Number of Users for Selected Credit Card Classifications by Level of Purchasing Involvement in Last 12 Months, 2011 (in millions of U.S. adults)
        • Table Penetration Levels for Selected Credit Card Classifications by Level of Purchasing Involvement in Last 12 Months, 2011 (% of U.S. adults)
      • Business Purchasing Area of Spend in Last 12 Months: Laptop/Desktop Workstations Are the Top Purchases Among Business Cardholders
        • Table Indices for Use of Selected Credit Card Classifications by Personal Involvement in Select Areas of Spend in the Past 12 Months, 2011 (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, 2011 (in millions 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, 2011 (% of U.S. adults)

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