Make the most out of American Express rewards with a Business Card
Earn and redeem Membership Rewards points on your Card spend.
How to maximise the American Express Membership Rewards® Program for Business
The American Express Membership Rewards® program1 for business allows your business to earn points on every dollar spent on an enrolled Business Card.
These points can then be redeemed on a wide range of business or personal rewards – whether it’s a gift card for a high-achieving employee or well-deserved trip away with the family.
How can you earn points on a Business Card?
If you are a business owner who wants to earn rewards points on every dollar you spend on your business expenses, you should consider getting an American Express Business Credit Card or Charge Card. These cards offer a variety of benefits that can help you grow your business and enjoy an outstanding choice of rewards.
With an American Express Business Credit Card or Charge Card, once you are enrolled in the Membership Rewards® program, you can earn Rewards Points on business expenses and virtually every dollar spent on your card, including travel, utilities, insurance, inventory, telecommunications, B2B payments, and more. The rate at which you earn points will depend on the type of card you have and the category in which you spend. Some more ways to earn points are:
- You can add up to 99 Employee Cards to your Account. This can help you streamline your business spend and give you greater visibility over your expenses, while enabling you to earn more Rewards Points.
- Refer a business owner and you could both earn Bonus Points.
How can you redeem points on Business Card?
Discover the seamless and rewarding process of redeeming your points with our Business Cards. Some of the ways of redeeming Rewards Points with an American Express Business Credit Card or Charge Card are:
- You can redeem your points for a wide range of business or personal rewards, such as gift cards, travel bookings, merchandise, statement credits, and more.
- You can transfer your points2 to one of the many airline or hotel partners of American Express, such as Qantas, Virgin Australia, Singapore Airlines, Hilton, Marriott, and more.
Redeeming points
Travel
- Transfer your points to up to 11 leading frequent flyer programs2, depending on your Business Card.
- Book flights and accommodation online at Webjet3 and check out using points.
- Book your trip in person at a Helloworld3 Travel branch and check out using points.
- Redeem points directly through American Express Travel Online4.
Our Travel Partners include:
Shopping
- Redeem points on a wide range of gift cards5 from some of Australia’s most popular retailers.
- Shop with Points at Myer Online6.
Shopping and Gift Card partners include:
Points for Credit7
Use your points to pay off eligible purchases made on your Business Card, freeing up cash for other business expenses.
Explore our range of Business Cards
Compare the features and benefits across our different Business Credit and Charge Cards, including all the great rewards your business could enjoy, to find the one that best fits your business.
Choose the Business Card that best suits you
Platinum Business Card
Receive premium benefits and service with generous rewards
Business Explorer® Credit Card
Receive travel benefits and outstanding value for rewards
Business Gold Plus Card
Turn your business purchases into richer rewards.
Already a Business Card Member?
See all the ways you can redeem your points right here.
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See how features like up to 55 days to pay for purchases3 can help you make more of your on-hand capital or gain added breathing room around bills.
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Explore the Business Card Member Customer Centre – Your reliable support hub for all things business. Get expert help to boost your business today!
Membership Rewards® FAQs
Yes, you’ll find a range of American Express Business Cards that offer access to different rewards programs such as Membership Rewards® for Platinum, Gold and Business Cards, you can also choose from Cards offering Qantas Business Rewards points and Velocity Frequent Flyer Points. Enrolment into the Membership Rewards® or Frequent Flyer programs may be required.
Earning Membership Rewards Points with your American Express Australia Business Card is simple, your Business Card will earn points on virtually every dollar spent on it. Some may earn points faster than others, depending on the Card and Rewards program, and enrolment may also be required.
You can redeem your points for flights4, gift cards5, pay with points ay Myer6, or help pay off your balance7 plus many great offers to enjoy . To find out more visit the Membership Rewards® page here.
Yes, you can transfer Membership Rewards® Points you’ve earned to other eligible loyalty programs. Depending on your Card, you can transfer your points to the following programs8:
Air New Zealand
Cathay Pacific Asia Miles
Emirates Skywards
Etihad Guest
Malaysia Airlines Enrich
Qatar Privilege Club
Singapore Airlines KrisFlyer
THAI Royal Orchid Plus
Velocity Frequent Flyer
Virgin Atlantic Flying Club
Qantas Frequent Flyer
You can transfer your points online at the Membership Rewards® website.
1. 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.
2. Points transfer. To transfer Membership Rewards points into an Airline or Hotel Partner Program you must be a member of the Partner Program. Membership of the Partner program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply. Platinum Travel Service. All fees or amounts payable in relation to the services are inclusive of GST where applicable. All fees, taxes and charges levied by the travel providers and/or air travel suppliers still apply and these are subject to change without notice until such time as tickets are issued. Domestic ticketing includes New Zealand.
3. Travel Agency Partners: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet and Helloworld with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your Accounts are kept in good standing and are not overdue. Partner Terms and Conditions apply. Subject to the Terms and Conditions of the Membership Rewards program and the Partners' booking Terms and Conditions.
4. American Express Travel Online:
Membership Rewards® Terms and Conditions
To earn or redeem Membership Rewards® points, Cards must be enrolled to the American Express Membership Rewards® program, and your Card Account must be in good standing.
To redeem Membership Rewards® Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards® points on the full dollar amount charged to your Card.
All bookings are subject to the terms and conditions of our Membership Rewards® Program. For full Terms and Conditions please visit the Membership Rewards® website.
Featured Hotels Terms and Conditions
All featured hotel prices, additional benefits and availability are correct at the time first presented on the American Express Travel website. While every effort is taken to ensure hotel inventory remains accurate, prices and availability remain subject to availability and dependent on third party supply. Featured hotel pricing and availability are not guaranteed until the receipt of your booking confirmation email. Hotel cancelation policy applies (see 'Your itinerary' after you have selected your room).
Bookings are subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.com.au/traveltermsandconditions.
Travel services provided by American Express International, Inc. (ABN 15 000 618 208). Incorporated with limited liability in Delaware, USA.
American Express Australia Limited (ABN 92 108 952 085). ® Registered Trademark of American Express Company.
5. Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details. Minimum redemption amount applies.
6. Pay With Points at Myer: You can Pay with points at Myer online if you are the Primary Card Member of an eligible American Express Card issued by American Express Australia Limited; your Card is enrolled in an eligible Membership Rewards® program; and your Card Account is in good standing (i.e., not overdue or in collections). Additional or Employee Card Members, Card Members enrolled in Qantas or Velocity Direct program, Business Ascent program or Business Card Members with spend locked to one supplier or Card Members who hold a David Jones Storecard are not eligible to use Pay with points at Myer online. The minimum redemption value is 1,000 Membership Rewards® points. The full transaction amount will be charged and appear on your account and the credit will appear within 72 hours of the charge (this may not be the full transaction amount). The credit may not appear on the same statement as the full charge. In this case, you must still pay the amount due on your statement, and the credit will apply to charges on your next statement. For full terms and conditions click here.
7. Points for Credit: Points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account (the Card which your Membership Rewards® points balance appears online). American Express may decline a Points for Credit request where the Card Account or Cardmember’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 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.