For Small Businesses
For Large Businesses
Manage your Business Cash Flow effectively with Amex
Important Business Card tools to put you in control of your capital.
From Employee Cards to extended payment periods, see all the ways an American Express Business Credit Card or Charge Card can help you gain greater control of your business’ cash flow.
Benefits of using a Business Card to improve cash flow
Extended payment periods
Depending on the Business Card you choose, you’ll enjoy up to 51 or up to 55 days1 to pay for purchases (as long as your Account is paid off in full each month) – giving you more time with your on-hand cash before your Account balance is due to be repaid.
Streamlined online tools
Use your Card for everything from inventory to travel and view all spend in your Online Account or the Amex App. Plus identify patterns and make informed cash flow predictions with detailed Account statements and feeds into MYOB and Quicken.
Access to Employee Cards
Minimise cash flow surprises by simplifying the way you track your employees’ expenses. With each Employee Card2, you’ll be able to make repayments in line with its payment period.
Membership Rewards points
Points aren’t just great for rewarding gifts and getaways3, they can also be used to free up your cash flow by allowing you to cover the cost of business trips, as well as your monthly Account balance when you use Points for Credit4.
Maximise your cash flow with up to 55 days to pay.
Get a detailed look at how you can use a Business Card’s repayment period to your advantage.
Up to 55 days to pay
Extend the time between purchase and payment by up to 55 days1 each statement period.
No pre-set spending
Make large purchases with no pre-set spending limit5 while also covering everyday business expenses.
An adjustable limit
Grow the flexibility of your month-on-month balance5 as we learn more about your spending and repayment patterns.
Flexible Payment Option6
Access an instant line of credit, without the need to dip into your savings, take out a loan or put up additional security.
Choose the right Business Card for you
Compare the features and benefits across our different Cards to find the
one that’s the best fit for your business.
More from American Express
Credit and Charge Card options
We offer both Credit Cards and Charge Cards to support businesses with different cash flow patterns. Learn which one is right for you.
Features built for business
Our Business Cards are equipped with features and benefits that you won’t find on a personal Card.
1. Extend your cash flow by up to 55 days: Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.
2. Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business, the Basic Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending. Terms and Conditions apply.
3. Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
4. Points for Credit. Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other Accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund. If redeeming with Points + Pay, the ‘pay’ component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You’ll earn Membership Rewards points on the ‘pay’ component of your purchase only.
5. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.
6. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current Interest Rate and PDS for number of interest-free days. Eligibility criteria applies.