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    This individual Report U.S. Small Business Credit Cards 2013: Quietly Waiting for Direction is available for purchase. This Report is available to members of Mercator Advisory Group’s Credit Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

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U.S. Small Business Credit Cards 2013: Quietly Waiting for Direction

New research from Mercator Advisory Group examines developments in competitive small business credit card marketplace

After a period of rapid product development, participants in the small business credit card space appeared to temporarily slow their product development cycles.


The small business credit card market remains a critical one for U.S. credit card issuers. With nearly 28 million small businesses and room to grow business card penetration, there remains significant opportunity for product growth. This research is part of Mercator Advisory Group's ongoing annual coverage to this topic.


"2012 certainly marked a year that took a break from the rapid product development cycle that we have seen in recent years, and when the market leaders appeared to focus more on execution than innovation. This was perhaps an appropriate strategy for a year in which small businesses themselves searched for direction from the economy," comments Ken Paterson, VP for Research Operations at Mercator Advisory Group and the primary author of the report.


Highlights of the report include:



  • The main inhibitor to growth in business card lending
  • The impact of the credit CARD Act on the apparent shift toward use of personal cards and away from business cards
  • The estimated annual payment volume for the small business credit and charge card market
  • Status update on the major issuers' cycle of adding charge products to their small business product families



One of the nine exhibits included in this report:




This report contains 22 pages and nine exhibits.


Companies mentioned in this report include: American Express, Capital One, Chase, Discover, MasterCard, US Bank, Visa, and Wells Fargo.