Steel–concrete composite continuous bridges can take full advantage of concrete and steel, but in regions with hogging moments, cracking of the concrete deck is a big issue affecting the durability of bridges. In order to solve cracking problems within the hogging moment region, this study proposes a composite deck method using ultra-high-performance concrete (UHPC) and regular concrete (RC). In this way, the layers of UHPC and RC are composited to take advantage of the high tensile strength of UHPC materials to improve the anti-crack performance of the concrete deck within the hogging moment region. Four different specimens were designed to account for different layer thickness of UHPC. Bending experiments of the UHPC–RC composite deck were undertaken and a corresponding finite element model was established to study the behavior of the UHPC–RC composite deck. The regularity of crack development in different UHPC layer thicknesses was revealed, and the load-displacement results were compared to investigate the ultimate capacity of a steel–concrete composite bridge structure using a UHPC–RC composite deck. Finally, with consideration of material cost, a reasonable UHPC layer thickness suitable for the composite deck was obtained to provide a reference for the design of a UHPC–RC composite deck.