Order Form

    This individual Report Small Business Credit Card 2007 Update: Competition For Segments Intensifies 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).

    While the Report represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Reports form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Reports (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Report purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Report purchases is $2950 per document. 


    Use the form below to request this individual Report purchase or

    Click here for a fax-back order form




Small Business Credit Card 2007 Update: Competition For Segments Intensifies

Boston, MA
October 2007

Small Business Credit Card 2007 Update: Competition for Segments Intensifies

This report examines recent developments in the highly competitive small business credit card marketplace.  Small business credit, charge, and debit purchase volume is approaching an estimated $300 billion annually in the U.S., and the market offers the potential for above-average growth for issuers targeting the segment.  In this desirable segment, intensified competition for small businesses is emerging on four fronts:

  • Reward points programs
  • Cash back and discounts
  • Trade credit offers
  • Vertical segment positioning

The potential combination among these four dimensions are nearly unlimited. Credit card issuers and other lenders may use them to offer segmented offerings to capture the attention of small businesses and engage them in using the product.

Highlights of the report include:

  1. The small business credit card market continues to offer above average growth opportunities to issuers.
  2. The complex segment structure of the small business universe is spawning segment-oriented products, with more such offerings to come.
  3. The value of trade credit to cash-flow-affected small businesses is significant, and lenders are increasingly offering trade terms in their programs.
  4. Future marketing directions are likely to pursue narrower segment interests, as well as offering user-selected trade terms.

Ken Paterson, Director of the Credit Advisory Service at Mercator Advisory Group and the author of this report comments that, "there are some key product developments in the industry that may well cause small businesses and lenders to re-discover credit terms, and in particular business-oriented trade credit that is not just a re-packaged consumer offering.  Trade credit terms in various incarnations are becoming available through small business programs, and may well make an impact on future product directions."

One of the 16 Exhibits included in this report:

The report is 29 pages long and contains 16 exhibits

Members of Mercator Advisory Group have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits. Please visit us online at

For more information call Mercator Advisory Group's main line: 781-419-1700 or send email to