The crack initiation and life prediction of fiber-reinforced asphalt concrete (FRAC) surfacing for steel bridge decks under a cyclic vehicle load are analyzed from the perspective of damage mechanics. The damage field and the stress and strain field evolution rule of a composite beam in fatigue test are studied, and a fatigue failure criterion is proposed for steel deck FRAC surfacing. Bending fatigue tests are performed on composite beams composed of a steel deck and polyacrylonitrile (PAN)-fiber-reinforced Gussasphalt (GA), i.e., GA-PAN, concrete surfacing under different fiber content and temperature conditions. The damage evolution characteristics of GA-PAN concrete surfacing over the steel deck with different fiber lengths and volume ratios are predicted by analyzing the fatigue life equations. The results show that the steel bridge deck FRAC surfacing model can reflect the comprehensive influence of the fiber content and length on the fatigue performance of steel bridge AC. Specifically, a lower temperature results in the fiber more synergistically affecting the fatigue resistance of AC. Theoretically, the service performance of asphalt concrete increases with the increase of fiber length and content. The optimum fiber length and volume ratio of GA-PAN are found to be 9 mm and 0.46–0.48%, respectively, considering the construction workability.