A Voronoi cell dement, formulated with creep, thermal and plastic strain was applied for investigation of thermo-mechanical fatigue behavior for particulate reinforced composites. Under the in-phase fatigue loading, the maximum of tensile deformation at the maximum given loading are larger than that at the same maximum under the out-phase fatigue. The stiffness decreases nonlinearly with the increasing of the phase angle, which results in increasing of the area of fatigue loop curve and the decrease in fatigue life. The spatially centralizing of inclusions results in decreasing of the plastic strain amplitude and the area of fatigue loop curve, which will also reduce the consumption of single-circle plastic strain energy and prolong the fatigue life. A Voronoi cell dement, formulated with creep, thermal and plastic strain was applied for investigation of thermo-mechanical fatigue behavior for particulate reinforced composites. Under the in-phase fatigue loading, the maximum of tensile deformation at the maximum given loading is larger than that at the same maximum under the out-phase fatigue. The results of increasing of the area of ​​fatigue loop curve and the decrease in fatigue life. The spatially centralizing of inclusions results in decreasing of the plastic strain amplitude and the area of ​​fatigue loop curve, which will also reduce the consumption of single-circle plastic strain energy and prolong the fatigue life.