Benefits of the Amex
Business Gold Plus Card
How to get the most out of your Amex® Business Gold Plus Card
When you’re running your own business, financial flexibility and business support provide peace of mind as well as helping you grow. The Amex Business Gold Plus Card provides you with specialist tools and benefits to take your business to the next level.
Find out how to get the most out of your Amex Business Gold Plus Card, turning your purchases into rewards and keeping on top of your finances.
Unlock rewards with Membership Rewards Points
With your American Express Business Gold Plus Card, you can earn 1.5 Membership Rewards Points for every $1 you spend on everyday purchases. Earn 3 points per $1 with selected business to business (B2B) vendors, such as Google Ads and Dell. You’ll also receive one point per $1 on Government spend, including the ATO1. T&C’s apply.
Redeeming your points for eligible business purchases can help to free up costs to put towards expenses like rent or utilities (if paid for with your Card), pay off your Card balance using Points for Credit2 or cover other eligible purchases with Cover Charges with Points3.
You can also redeem points for travel benefits such as flights and accommodation4 or buy a Gift Card from a major retailer like Apple or JB Hi-Fi5 as a thank you to clients or employees – or even just yourself.
Easily manage payments and credit
When running a business, there are times when you might need to maximise the efficiency of your cash flow and build your credit. With the Amex Business Gold Plus Card, you can take advantage of:
- No pre-set spending limit6. Enjoy the flexibility to buy whatever you need for your business. Although this doesn’t mean unlimited spending – that’s dependant factors such as business income and credit rating.
- Up to 55 days to pay for purchases7. Organise your monthly finances with more time to pay for those business essentials.
- Flexible Payment Option8. You only need to pay off a portion of your balance each month, which keeps cash flowing when you need it. T&C’s and interest charges apply.
- Spend and get up to $550 back with selected major business partners9. These include services from companies such as Google, Amazon and Meta. T&C’s apply. Enrolment is required. Benefit ends 31/12/2026.
Learn more about the American Express Business Gold Plus Card.
Embrace practical business tools for everyday spending
With your American Express Business Gold Plus Card, you can keep an eye on employee expenditure with Employee Cards. These also earn Membership Rewards Points at the same rate as your Primary Card.
AccessLine allows you to use your Business Gold Plus Card to easily pay for business expenses, from rent to equipment10. With AccessLine you can:
- Pay virtually any business within Australia. Our payment portal means you can use your Card to pay directly into your supplier’s bank account, even if they don’t accept Card payments. Plus, earn 2 Membership Rewards points per $1 spent1.
- Pay suppliers faster. This gives you the opportunity to strengthen relationships with your vendors and negotiate early payment discounts.
- Enjoy a low fee. A Trade Service Fee of up to 2.15%, excluding GST, applies to all AccessLine transactions10, unless we advise you otherwise.
Enrolment for AccessLine is required and is subject to an application and approval process.
Grow your business
Grow your business with the backing and benefits of the Amex Business Gold Plus Card.
Learn more about the American Express Business Gold Plus Card today.
- Membership Rewards® Program for The American Express® Business Gold Plus Card:
Subject to the Terms and Conditions of the Membership Rewards® program available at americanexpress.com/en-au/rewards/membership-rewards/terms. Earn 3 points per $1 spent directly at these selected merchants: Xero, Google Ads, Meta for Business, Amazon Web Services (AWS) and Dell. Spend made through an aggregator or intermediary 3rd party platforms for these transactions may not be eligible for accelerated points earn.
Earn 2 points per $1 spent with American Express® AccessLine. Excludes any special risk-based pricing Customer transactions with AccessLine. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an eligible American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply. Learn more about AccessLine here.
Earn 1.5 points for every $1 spent everywhere else except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points at the government earn rate.
After a total of 200,000 points is earned in a calendar year, you will earn 1 point for every $1 for all spend, uncapped and with no expiry. Points earned by Primary and Employee Card Members on a Card Account contribute to the 200,000 points threshold each calendar year and threshold resets on 1st January every year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold. - Points for Credit: Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the 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.
- Cover Charges with Points: This is available to primary Card Members enrolled in the Membership Rewards program. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant eligible charges or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can take up to 72 hours to appear online. Credits processed after the Card Account's statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. View full terms and conditions americanexpress.com/en-au/rewards/membership-rewards/terms.
- You can redeem points for prepaid travel of a nominated value through American Express Travel Online 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. Points cannot be used for Cruise Privileges bookings. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking terms and conditions.
- Gift Cards: Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
- 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 information known to us.
- Extend your cash flow by up to 55 days: Depending on your method of payment, 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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
- Flexible Payment Option: 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. Please refer to the full Flexible Payment Option Terms and Conditions.
- American Express Business Gold Plus B2B Credits:
Business Gold Plus Xero Benefit
Save this American Express® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, online at www.xero.com/au/ to get $100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.
Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express® Business Gold Plus Card Members using their American Express ® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.
Save this Benefit First: You must first save the Benefit to your American Express® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus is set as your default payment method with Xero to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.
Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD, online at www.xero.com/au/. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Xero: Your purchase of goods and/or services from Xero is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.
Business Gold Plus Google Ads Benefit Save this American Express® Business Gold Plus Card benefit to your Card and spend AU$100 in one or more transactions, online at ads.google.com to get AU$100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.
Benefit Limit is AU$100 per calendar year: Spend AU$100 or more in one or more transactions to receive AU$100 back, per calendar year. Limited to one credit at a total of AU$100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express® Business Gold Plus Card Members using their American Express ® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.
Save this Benefit First: You must first save the Benefit to your American Express® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus is set as your default payment method with Google Ads to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.
Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD or USD online at ads.google.com. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. If you spend in a currency other than Australian Dollars, a Currency Conversion Fee applies and this fee does not count towards the benefit spend requirement. For more information regarding charges made in foreign currencies refer to your Card Member Agreement. You must meet the benefit spend requirement of $100 Australian Dollars after currency conversion to be eligible for the benefit.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Google Ad Services: Your purchase of goods and/or services from Google Ads is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.
Business Gold Plus Meta Benefit Save this American Express® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, in-app or online at Meta for Business to get $100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.
Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express® Business Gold Plus Card Members using their American Express ® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.
Save this Benefit First: You must first save the Benefit to your American Express® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus is set as your default payment method with Meta for Business to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.
Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD in-app or online at www.facebook.com/business/marketing/facebook. Benefit valid at Australian appand website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Meta for Business: Your purchase of goods and/or services from Meta for Business is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.
Business Gold Plus Amazon Web Services Benefit Save this American Express® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, online at aws.amazon.com to get $ 100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.
Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express® Business Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.
Save this Benefit First: You must first save the Benefit to your American Express® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus is set as your default payment method with Amazon Web Services to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.
Eligible Transactions: The benefit only applies to online spend made at aws.amazon.com. Only valid for payments made in AUD, with the billing country for your subscription selected as Australia. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.
Excluded Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved at aws.amazon.com. The benefit excludes any additional purchases or charges, such as payments made via phone and purchases made at amazon.com.au. For purchases of products that may have a delayed delivery, or if you accept a free trial, you must ensure that $100 or more has been charged to your Card by the end of each redemption period (31 December) to be eligible for the credit within that redemption period. Excludes pre-order items where the release date is after benefit end date.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Amazon Web Services: Your purchase of goods and/or services from Amazon Web Services is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.
Business Gold Plus Dell Benefit Save this American Express® Business Gold Plus Card benefit to your Card and spend online at www.dell.com.au or by phone on 1800 880 855 to receive your purchase amount back as a credit, up to $75 back per redemption period. Benefit redeemable once every 6 months until the benefit end date of 31/12/2026. Exclusions apply. Benefit Limit is $75, every calendar 6 months: the benefit value is capped at $75 each redemption period, per Card Account. The benefit value will reset on 1 January and 1 July every year until the benefit end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express® Business Gold Plus Card Members using their American Express ® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.
Save this Benefit First: You must first save the Benefit to your American Express® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus is set as your default payment method with Dell to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.
Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, at www.dell.com.au or by phone on 1800 880 855. Offer valid at Australian website and phone orders only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Dell: Your purchase of goods and/or services from Dell is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms. - AccessLine:
This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Business Card or American Express Corporate Card that is registered to use the service. Terms, conditions, fees and charges apply.