Table of Contents
Chapter One Executive Summary
- Scope and Methodology
- Report Methodology
- The Report
- The Products
- Cards by Type: Definitions
- Purchasing Cards
- Fleet Cards
- Corporate Travel & Entertainment Cards
- Small Business Cards
- Payroll Cards
- Prepaid Cards
- Health Care Cards
- Smaller Businesses in the United States
- Small Employers Grew by 4% from 2001-2006
- Table 1-1 Factors Affecting Overall Business Conditions in 2007
(Percentage Distribution)
- Characteristics of Small Business Owners
- Small Businesses with Fewer than 25 Employees are the Most Desirable
Cohort
- Co-Branding is Hot Trend
- New Technology Reaches the Small Business Card Market
- Small Business Portals
- The Commercial Card Consumer
- Baby Boomers are Top Card Users
- Active Card Owners by Gender and Race/Ethnicity
- Skews by Educational Attainment and Individual Income
- Business Cards Hugely Popular Among the Self-Employed
- 1.2 Million Professional/Scientific/Technological Employees Are Active
Card Users Laptop/Desktop Workstations Are the Top Purchases Among Business
Cardholders
- The Commercial Card Regulatory and Business Landscapes
- Lawsuits
- Interchange Fee Suits
- Governments and Interchange Fees
- American Express and Discover Sue the Associations
- AmEx and Banking Relationships
- Currency Conversion Class Action Lawsuit
- Initial Public Offerings
- MasterCard' s IPO
- Visa' s IPO
- Marketing Strategies
- Advertising Expenditures of Major Card Companies
- AmEx Spent More than Half a Billion on Advertising in 2005
- Brand Strategies of Largest Card Companies
- Sports Sponsorships
- Visa Sponsorships
- American Express Sponsorships
- Contests and Sweepstakes - Involving the Customer
- MasterCard Contest
- Small Business Sweepstakes from MasterCard
- Visa Savings for Business Contest and Small Business Makeover Contest
- AmEx Takes a Philanthropic Direction
- Market Projection
- U.S. Commercial Card Spending to Reach $1.2 Trillion in 2010
- Table 1-2 Commercial Cards, By Segment (Historical and Forecast)
- Corporate America to Increase Use of Credit Cards
- Significant Obstacles Loom to Greater Commercial Card Acceptance
- Market Potential by Card Type
- Purchasing Cards:
- Corporate Travel & Entertainment Cards
- Payroll Cards
- Small Business Cards
- Health Cards
- One Card
- Areas of Opportunity
- The Competitive Landscape
Chapter 2 The Products
- Introduction and Overview
- Table 2-1 Payment Types In The U.S., 2005 - 2010
- Figure 2-1 Planned Use of Checks and Corporate Payment Cards
- Unlimited Opportunity, Especially in Smaller Businesses
- Segmenting is Key to Win New Business
- The Products
- Cards by Type: Definitions
- Corporate/Purchasing Cards
- Big Ticket Buys Scare Off Vendors
- Pcards Decrease Paper Transactions and Provide Data
- Mature for Mid-Sized and Large Companies, But Still Opportunity
- Visa' s Payment Systems Usage Survey
- Figure 2-2 Level of Payment Card Usage
- Travel & Entertainment Cards
- T&E Typically the Second or Third Largest Spend
- Table 2-2 Distribution of 2006 Travel Expenditures
- Small Business Cards
- Fleet Cards
- Wright Express and Voyager Leaders in Fleet Cards
- Components of Fleet Card Revenue
- An Opportunity and a Challenge
- Payroll Cards
- Employers of Low Wage Earners are Key Market
- Regulation E to the Rescue
- Beyond the Unbanked
- Prepaid Corporate Cards
- Great Substitute for Cash
- Business Gift Cards from MasterCard
- Health Care Cards
- Big Opportunity for HSAs in Consumer-Driven Health Plans
- Great Card Functionality Includes Lines of Credit
- Table 2-3 Healthcare Debit Cards In Issue, 2003 - 2005
- Table 2-4 Potential Healthcare Debit Card Market 2005 - 2015
- Table 2-5 Healthcare Transactions in the U.S., 2003
- Table 2-6 Health-Care Spending By U.S. Consumers and Businesses
- One-Cards
- Community Banks Issuing Cards Enthusiastic About Commercial Cards
- Table 2-7 Community Banks Offering Commercial Cards in 2006 and 2008
- Table 2-8 Commercial Credit Cards Offered By Commercial Banks in 2006
and 2008
- Table 2-9 Community Banks Interested in Increasing Commercial Cards
Issued
- Table 2-10 Commercial Debit Cards Offered By Community Banks in 2006 and
2008
- The Card Companies as Small Business Lenders
- Top Five Lenders
- Capital One Shakes Things Up
Chapter 3 The Small Business Sector
- Businesses in the United States
- Small Employers Grew by 4% from 2001-2006
- Table 3-1 Factors Affecting Overall Business Conditions in 2007
(Percentage Distribution)
- Survey of County Businesses, Department of Commerce
- Table 3-2 Number of Businesses, by Type, Employees and Annual Payroll
- Table 3-3 Employer Firms, Establishments, Employment, and Annual Payroll
Small Firm Size Classes, 2004
- Less than a Quarter of Firms Had Paid Employees
- Home-based businesses
- Most businesses are “self-made”
- Business owners are highly educated, 3-in-10 are over 55 and 14% are
veterans
- Owners' income, role and hours vary
- Characteristics of Small Business Owners
- Small Businesses with Fewer than 25 Employees are the Most Desirable Cohort
- Small Business Owners and Credit
- How Businesses Use Their Credit Cards
- Table 3-4 Leading Small Business Credit Card Issuers, 2005
- Co-Branding is Hot Trend
- New Technology Reaches the Small Business Card Market
- Small Business Portals
- MasterCard' s Portal
- VISA' s Portal
- American Express' Portal
- Micro-Portals
- Visa USA
- MasterCard
- American Express
- Segmentation
- MasterCard Construction
- Visa Signature Business
- MasterCard and Wright Express
- The Electronic Marketplace
- AmEx Offers Electronic Meeting Negotiation Solution
- Areas of Opportunity
Chapter 4 The Commercial Card Consumer
- Introduction
- Simmons Market Research Bureau Data
- Card and Cardholder Classifications
- 11 Million Business Card Users
- Table 4-1 Usage Rates for Selected Credit Card Classifications: Used in
Last Year, and Used in Last Month, 2006 (U.S. adults) Table 4-2 Total Number
of Users for Selected Credit Card Classifications: Used in Last Year, and
Used in Last Month, 2006 (in millions of U.S. adults)
- Consumer Focus: Personal Demographics
- Baby Boomers are Top Card Users
- Active Card Owners by Gender and Race/Ethnicity
- Regional Preferences for Card Brands
- Skews by Educational Attainment and Individual Income
- Table 4-3a Indices for Use of Selected Credit Card Classifications in
Last Year: By Adult Age Bracket, 2006 (U.S. adults)
- Table 4-3b Indices for Use of Selected Credit Card Classifications in
Last Year: By Adult Age Bracket, 2006 (U.S. adults)
- Table 4-4 Total Number of Users in Last Year for Use of Selected Credit
Card Classifications: By Gender, 2006 (in thousands of U.S. adults)
- Table 4-5 Indices for Use of Selected Credit Card Classifications in
Last Year: By Gender, 2006 (U.S. adults)
- Table 4-6 Total Number of Users in Last Year for Selected Credit Card
Classifications: Non-Hispanic Whites vs. Minorities, 2006 (in thousands of
U.S. adults)
- Table 4-7 Indices for Use of Selected Credit Card Classifications in
Last Year: By Race/Ethnicity, 2006 (U.S. adults)
- Table 4-8a Indices for Use of Selected Credit Card Classifications in
Last Year: By Region, 2006 (U.S. adults)
- Table 4-8b Indices for Use of Selected Credit Card Classifications in
Last Year: By Region, 2006 (U.S. adults)
- Table 4-9 Indices for Use of Selected Credit Card Classifications in
Last Year: By Highest Level of Educational Attainment, 2006 (U.S. adults)
- Table 4-10 Indices for Use of Selected Credit Card Classifications in
Last Year: By Individual Income Bracket (in Thousands), 2006 (U.S. adults)
- Consumer Focus: Professional Demographics
- Business Cards Hugely Popular Among the Self-Employed
- Business Card Use and Length of Same-Company Employment
- Smaller-Company Skew for MasterCard
- 1.2 Million Professional/Scientific/Technological Employees Are Active
Card Users
- Business Cards and Business Purchasing Involvement
- Laptop/Desktop Workstations Are the Top Purchases Among Business
Cardholders
- Table 4-11 Indices for Use of Selected Credit Card Classifications in
Last Year: By Type of Job, 2006 (U.S. adults)
- Table 4-12 Indices for Use of Selected Credit Card Classifications in
Last Year: By Executive/Managerial Job Title, 2006 (U.S. adults)
- Table 4-13 Indices for Use of Selected Credit Card Classifications in
Last Year: By Length of Service with Company/Employer, 2006 (U.S. adults)
- Table 4-14 Total Number of Users in Last Year for Selected Credit Card
Classifications: By Nature of Self-Employment, 2006 (in thousands of U.S.
adults)
- Table 4-15 Indices for Use of Selected Credit Card Classifications in
Last Year: By Nature of Self-Employment, 2006 (U.S. adults)
- Table 4-16 Total Number of Users in Last Year for Selected Credit Card
Classifications: By Company Size, 2006 (in thousands of U.S. adults)
- Table 4-17 Indices for Use of Selected Credit Card Classifications in
Last Year: By Company Size, 2006 (U.S. adults)
- Table 4-18 Total Number of Business Card Users in Last Year: By Industry
in Which Employed, 2006 (in thousands of U.S. adults)
- Table 4-19 Indices for Use Business Cards in Last Year: By Industry in
Which Employed, 2006 (U.S. adults)
- Table 4-20 Indices for Use of Selected Credit Card Classifications in
Last Year: By Nature of Business Purchase Involvement, 2006 (U.S. adults)
- Table 4-21 Total Number of Business Card Users in Last Year: By Nature
of Product or Service Business Purchase, 2006 (in thousands of U.S. adults)
- Table 4-22 Indices for Use of Business Cards in Last Year: By Nature of
Product or Service Business Purchase, 2006 (U.S. adults)
Chapter 5 The Commercial Card Regulatory Landscape: Lawsuits and IPOs
- Interchange Fee Suits
- Governments and Interchange Fees
- American Express and Discover Sue the Associations
- AmEx and Banking Relationships
- Currency Conversion Class Action Lawsuit
- International Cases of Interest
- Initial Public Offerings
- MasterCard' s IPO
- Visa' s IPO
- Visa and MasterCard Civil Antitrust Suits
Chapter 6 The Market Size and Potential for Commercial Credit Cards
- U.S. Commercial Card Spending to Reach $1.2 Trillion in 2010
- Table 6-1 Commercial Card Segments, Historical and Projected (billion $)
- MasterCard and Visa Gain a Bit at AmEx' s expense
- Figure 6-1 U.S. Commercial Credit and Debit Card Spending Share by Brand,
2004
- Figure 6-2 U.S. Commercial Credit and Debit Card Spending Share by Brand,
2010
- Corporate America to Increase Use of Credit Cards
- Significant Obstacles Loom to Greater Commercial Card Acceptance
- Late 2006 Financial Results for the Big Three
- Visa
- AmEx
- MasterCard
- Market Potential by Card Type
- Purchasing Cards:
- Fleet Cards
- Corporate Travel and Entertainment Cards
- Table 6-2 Market for Travel and Entertainment Cards
- Figure 6-3 Spend on Corporate T&E Cards in US in 2004
- Payroll/Prepaid Cards
- Market potential for Payroll Cards: $27.1 billion by 2009
- Figure 6-4 Payroll Card Growth Prospects ($ in billions)
- Table 6-3 Payroll Card Growth Prospects ($ figures in billions)
- Table 6-4 Recent Mergers in the Prepaid Sector
- The Potential Market for Prepaid Cards - $1 Trillion
- Table 6-5 Potential Market Shares of Prepaid Products ($ billions)
- Small Business Cards
- Health Reimbursement, Health Savings and Flexible Spending Account Cards
- One Card
Chapter 7 Advertising and Marketing
- Advertising Expenditures of Major Card Companies
- AmEx Spent More than Half a Billion on Advertising in 2005
- Spending on Print Rose Significantly Unlike on the Internet
- Table 7-1 Financial Services Companies in Advertising Age' s Top 200
Advertisers
- Brand Strategies of Largest Card Companies
- Sports Sponsorships
- MasterCard and World Cup
- Visa Sponsorships
- American Express Sponsorships
- Contests and Sweepstakes - Involving the Customer
- MasterCard Contest
- Small Business Sweepstakes from MasterCard
- Visa Savings for Business Contest and Small Business Makeover Contest
- AmEx Takes a Philanthropic Direction
Chapter 8 The Competitive Landscape
- Table 8-1 U.S. Commercial Credit and Debit Card Spending Share by Brand,
2004 and 2010
- Table 8-2 Top U.S. Commercial Card Issuers - 2005
- Visa Inc.
- Table 8-3 Visa at a glance:
- Reorganization and Initial Public Offering
- Table 8-4 Commercial Card Sales Volume
- Loyalty
- Security
- Table 8-5 Survey of Commercial Card Usage by Financial Executives and
Cash Managers (%)
- MasterCard
- Table 8-6 MasterCard At A Glance
- MasterCard' s IPO
- Litigation
- Figure 8-1 Value and Volume of U.S. Transactions, 2001, by Payment Type
- Purchasing. Presentment. Payment.
- MasterCard' s SmartLink
- World Cup Sponsorship - a MasterCard Victory
- Performance
- Payment Innovations
- American Express
- In Pursuit of Commercial Business
- Bank of America
- Table 8-7 Bank of America At A Glance
- JPMorgan Chase
- Table 8-8 JPMorgan Chase at a Glance
- Leader in the HAS/FSA Market
- Citigroup
- Table 8-9 Citigroup at a Glance
- The Largest MC Issuer Became an Issuer of AmEx Cards
- Prescription Drug Benefits on a Credit Card
- U.S. Bancorp
- Figure 8-10 U.S. Bancorp at a Glance
- Capital One
- Figure 8-11 Capital One at a Glance
- Wells Fargo
- Table 8-12 Wells Fargo at a Glance
- The WellsOne Card for Business
- Advanta
- Proud of its Focus on the Small Business Market
- Discover Financial Services
- Wright Express
- Largest Issuer of Fleet Cards
- Bankcard Associations
- Commercial Card Issuers
- Industry Sources
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