Cash flow benefits
Take control of cash flow with a range of options designed to give you flexibility and breathing space and help your business grow.
Experience the new Gold standard in Business Cards and discover cash flow solutions to help your business grow. With Amex.
Get 55 days to pay for purchases1
Enjoy more breathing space with more time between purchases and payments.
Ask for your Business Card statement to be issued the day before your regular invoices are due and you can extend your cash flow by up to 55 days1.
It's a simple way to extend your cash flow when paying large invoices or recurring bills – giving you more flexibility to grow your business, manage your short-term cash flow or earn interest on your funds.
No pre-set spending limit2
Your Card also has no pre-set spending limit, giving you greater flexibility to make larger purchases and/or supplier payments. If you’re planning to make a large purchase on your Card, you can also use the Check Spending Power tool once you’ve set up your Online Account.
No pre-set spending limit doesn't mean unlimited spending. This is dependent on several factors such as business income, expenses, and your business's credit rating/history.
Flexible Payment Option3
Access an instant line of credit without the need for additional security.
Free up cash flow with a Flexible Payment Option (FPO). Instead of paying your balance in full each statement period, you can pay a portion over time, up to your FPO limit. T&Cs and interest charges apply3.
AccessLine®
Take advantage of this fast and secure payment solution to pay virtually all your domestic suppliers – and earn 2 Membership Rewards points per $1 spent.4 Subject to approval. Enrolment required. Terms, conditions, fees and charges apply.
AccessLine lets you pay domestic suppliers even if they don't accept American Express Card payments. Subject to approval. Enrolment required4.
Employee Cards
Increase expense visibility and keep control with Employee Cards. You can also boost your points balance as you'll earn rewards points on your employees' Card purchases.5 Up to two Employee Cards at no extra cost. Each additional Employee Card has an annual fee of $75.
Streamline finance and stay across business expenses with Employee Cards. In addition to expense visibility, you can stay in control when you set spending limits and lock Cards using spending limit controls6.
Link your Card to accounting software
Link your Card transactions to ensure a more efficient and seamless business finance experience.7
Choose from:
- Intuit Quickbooks
- MYOB7
- Xero
Enrolment required.
1. 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.
2. No pre-set spending limit: 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.
3. 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 apply. Please refer to the full Flexible Payment Option Terms and Conditions.
4. AccessLine: 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.
5. Employee Cards: Subject to Terms and Conditions. This offer is only available to those who reside in Australia. Two Employee Cards are complimentary; then $75 p.a. for each additional Employee Card. All Employee Card Members will receive the standard recycled plastic Card. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
6. Employee Card Member Limit Management. You may limit the total dollar amount that your Employee Card Member(s) can spend during each billing period on your Card Account. Employee Card Limit Management does not apply to American Express Explorer Credit Card, American Express Business Accelerator Credit Card, Qantas American Express Business Credit Card or American Express Platinum Credit Card products. Unless otherwise specified in the full Employee Card Limit Management Terms and Conditions, the maximum amount your Employee Card Member(s) can spend within a billing period will be the spending limit you assign to the Employee Card Member(s). When you initially set a spending limit for your Employee Card Member(s) or after you unlock an Employee Card, any transactions made on the Employee Card prior to setting the spending limit or unlocking the Employee Card will not be included in the spending limit you set. Please read the full Employee Card Limit Management Terms and Conditions before using the Employee Card Member Limit Management functionality.
7. MYOB Integration: MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of American Express Corporate Cards. The Card must be active at the time of enrolment.