In this paper, a two dimensional Voronoi cell element, formulated with creep, thermal and plastic strain, is applied for the numerical simulation of thermo-mechanical fatigue behavior for particulate reinforced composites. The relation between mechanical fatigue phases and thermal fatigue phases influences the thermo-mechanical fatigue behavior and cyclic creep damage. The topological features of micro-structure in particulate reinforced composites, such as the orientation, depth-width ratio, distribution and volume fraction of inclusions, have a great influence on thermo-mechanical behavior. Some related conclusions are obtained by examples of numerical simulation.