• 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