Report Overview
Commercial Payment Cards: U.S. Market Trends, 12th Edition
Table of Contents
Executive Summary
$3,225.50
Overall Credit Card Purchase Volume
$647.23
Trends for the Major Networks
$323.44
Table | Total U.S. Credit and Debit Card Purchase Volume for Mastercard, Visa and American Express, Quarterl
Credit Card Receivables Remain Below 2019 Levels
$323.44
Table | Total Credit Card Loans, All FDIC-insured Institutions, 2019-2021 ($billions)
Largest Consumer Card Issuers Are Among Largest Commercial Card Issuers
$323.44
Table | Total Credit Card Receivables of Six Largest Commercial Card Issuers, 2019-2021 ($billions)
Commercial Card Market Purchase Volume
$323.44
Table | Visa U.S. Commercial Credit and Debit Purchase Volume, 2019-2021 ($billions)
Table | Mastercard U.S. Commercial Credit and Debit Purchase Volume, 2019-2021 ($billions)
Table | American Express U.S. Purchasing Volume, Small and Larger Businesses, 2018-Q3 2021
Focus on the Card Networks
$609.62
Commercial Card Network Forecast Through 2025
$323.44
Table | Commercial Card Purchasing Volume, 2019-2025 ($billions)
Credit Card and Commercial Card Volume Trends
$1,502.43
Overall Credit Card Purchase Volume
$546.54
Trends for the Major Networks
$323.44
Table | Total U.S. Credit and Debit Card Purchase Volume for Mastercard, Visa and American Express, Quarterl
Credit Card Receivables Remain Below 2019 Levels
$323.44
Table | Total Credit Card Loans, All FDIC-insured Institutions, 2019-2021 ($billions)
Largest Consumer Card Issuers Are Among Largest Commercial Card Issuers
$323.44
Table | Total Credit Card Receivables of Six Largest Commercial Card Issuers, 2019-2021 ($billions)
Commercial Card Market Purchase Volume
$323.44
The Big Three
$323.44
Table | Visa U.S. Commercial Credit and Debit Purchase Volume, 2019-2021 ($billions)
Table | Mastercard U.S. Commercial Credit and Debit Purchase Volume, 2019-2021 ($billions)
Table | American Express U.S. Purchasing Volume, Small and Larger Businesses, 2018-Q3 2021
Focus on the Card Networks
$2,094.16
Visa
$474.54
Largest U.S. Credit Card Network
$323.44
Table | Visa Global Operational Highlights, 2019-2021
Table | Visa Financial Highlights, 2019-2021 ($billions)
The Visa Customer Base
$323.44
Table | Share of U.S. Adults Owning Visa Cards in Own Name: Overall, Business, and Other Card Types, 2021 (p
Mastercard
$633.82
Commercial Credit and Debit Accounts for 11% of Branded Volume
$323.44
Table | Mastercard Financials, 2018-2021 ($billions)
The Mastercard Customer Base
$323.44
Table | Share of U.S. Adults Owning a Mastercard in Own Name: Overall, Business, and Other Card Types, 2021
American Express
$400.29
The American Express Customer Base
$323.44
Table | Share of U.S. Adults Owning American Express Cards in Own Name: Overall, Business, and Other Card Ty
The Business of American Express
$323.44
Table | American Express, Global Summary of Financial Performance, 2018-2021 ($billions)
Commercial Card Network Growth Forecast to 2025
$346.02
The COVID Challenge
$340.18
Table | Commercial Card Purchasing Volume, 2019-2025 ($billions)
Purchasing and T&E Card Trends
$2,662.18
Overview of Travel and Entertainment Cards
$1,943.19
T&E Spend Data for Largest Road Warriors
$451.32
Table | Largest Corporate Spenders on Travel and Entertainment, 2019
Entertainment (Dining) Trends
$323.44
Table | Restaurant and Foodservice Industry Sales, 2019-2021 ($billions)
Small Business Focus
$3,398.94
Overview of Small Businesses in the U.S.
$3,155.46
COVID-19 and the Smaller Business
$323.44
Table | Smaller Business Use of Personal Funds and Loans to Stay Open at the Height of the Pandemic (Februar
Smaller Business Owners Cut Their Own Salaries
$323.44
Table | Five Most Common COVID Impacts on Small Businesses
Financial Challenges: Debt and Access to Credit
$323.44
Table | Providers of Loans, LOCs and Cash Advances to Small Businesses During the Pandemic
American Express Retools its Small Business Strategy
$445.60
Table | AmEx's SME Global Billed Business, Q3 2021
Scope
Commercial Payment Cards: U.S. Market Trends sizes the commercial card market with breakouts and forecasts for Visa, Mastercard, and American Express, as well as quantifications for purchasing card vs. travel and entertainment (T&E) cards. In addition, this report assesses and analyze the impact of the COVID-19 pandemic on the commercial card space, including a focus on small business market opportunities for commercial cards. Overall, this report reviews the major commercial card issuers' strategies to reignite purchase activity, rebuild their card portfolios and create sufficient value for the large, midsized and smaller business accounts to keep them onboard as clients.
Report Methodology
Commercial Payment Cards: U.S. Market Trends draws on information including company financials and press releases as primary sources. Secondary sources include the MRI-Simmons Summer 2021 National Consumer Survey of Visa, Mastercard, and American Express business card users, set in the context of the overall customer based for these three dominant networks. Additional payments surveys from other market research firms are also cited, along with commercial card industry participants. Trade publications, management consulting reports, investment analyst reports, company financial filings, and vendor-generated survey findings were also consulted, along with U.S. governmental and not-for-profit trade reports and payment system analyses.
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