Specifically designed for businesses on the grow
American Express Business Cards equip business owners with the adaptability they need to be ready for almost anything. We understand running a business means your days move fast, serving customers, managing staff, balancing accounts and everything in between.
That’s why our range of Business Cards are specifically designed to be adaptable, whilst earning points1 on your eligible business spend too.
Freedom. Time. Choice.
Your business deserves all three. American Express Business Cards equip businesses on the grow with benefits ready for almost anything.
Get more freedom and access a line of unsecured funding with flexible spending power.2
Gain more time with up to 55 days to pay for purchases.3
Find more choice in how you pay by paying off a portion of your balance over time, up to your Flexible Payment Option limit.4
Manage Cash Flow
Depending on the Business Card you choose, you can enjoy extended payment days to pay for purchases3 (up to 51 or up to 55 days) – giving you more cash on hand when you need it the most.
Depending on which Card you choose you could also take advantage of having flexible spending power2 and the option to pay off a portion of your balance, up to your Flexible Payment Option (FPO) limit4 (interest charges apply).
Get rewards that
actually reward
Whilst running your business, why not also earn points on eligible business spend1. Points can be redeemed on rewards for yourself or your employees. Depending on the Card you choose, you can cover charges with points5.
Pay virtually anyone Any
business, within Australia
AccessLine allows you to make domestic payments to pretty much any business, even if they don’t accept Card payments6. Our easy-to-use payment portal will allow you to use your American Express Card to pay directly into your supplier’s bank account.
Plus, your business may earn rewards points on eligible spent with AccessLine, too, if enrolled in a rewards program. Enrolment required, subject to approval and T&Cs apply.
Access flexible
spending power
When your business needs more freedom, unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors.
The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
More choice in how you pay
More choice, more opportunities to grow your business. Flexible Payment Options that gives you the ability to carry a balance with interest, so you can handle expected and unexpected expenses that come your way. Instead of paying your balance in full each statement period, you can choose to pay off a portion of it over time. Interest charges apply.4
Manage Cash Flow
Depending on the Business Card you choose, you can enjoy extended payment days to pay for purchases3 (up to 51 or up to 55 days) – giving you more cash on hand when you need it the most.
Depending on which Card you choose you could also take advantage of having flexible spending power2 and the option to pay off a portion of your balance, up to your Flexible Payment Option (FPO) limit4 (interest charges apply).
Get rewards that
actually reward
Whilst running your business, why not also earn points on eligible business spend1. Points can be redeemed on rewards for yourself or your employees. Depending on the Card you choose, you can cover charges with points5.
Pay virtually anyone Any
business, within Australia
AccessLine allows you to make domestic payments to pretty much any business, even if they don’t accept Card payments6. Our easy-to-use payment portal will allow you to use your American Express Card to pay directly into your supplier’s bank account.
Plus, your business may earn rewards points on eligible spent with AccessLine, too, if enrolled in a rewards program. Enrolment required, subject to approval and T&Cs apply.
Access flexible
spending power
When your business needs more freedom, unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors.
The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
More choice in how you pay
More choice, more opportunities to grow your business. Flexible Payment Options that gives you the ability to carry a balance with interest, so you can handle expected and unexpected expenses that come your way. Instead of paying your balance in full each statement period, you can choose to pay off a portion of it over time. Interest charges apply.4
Cards for Businesses on the grow
Find the right Card for your Business
American Express Business Cards equip business owners with the adaptability they need to be ready for almost anything. We understand running a business means your days move fast, serving customers, managing staff, balancing accounts and everything in between.
That’s why our range of Business Cards are specifically designed to be adaptable, whilst earning points2 on your eligible business spend too.
Eligibility
requirements
To apply for an American Express Credit
Card or Charge Card you need to:
For more details on How to Apply Click Here
- Be over 18 years of age.
- Be an Australian citizen or permanent resident.
- Be a Director or Controller of the business
- Have a good credit history and no payment defaults
- Have an annual business revenue of $75,000 or more
- Have a valid ABN registered for GST
Information to have ready:
- Your personal income and your business revenue
- Your driver's license (if you have one)
- The details of your business
ownership as it appears on ASIC (for
the Director and/or Beneficial Owner)
1. Earning points (this will depend on which Card you choose):
1.1. For the American Express Platinum Business Card, the American Express Business and the American Express Business Gold Plus Card. Subject to the Terms and Conditions of the Membership Rewards program available here. Eligible spend/purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. 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.
1.2. For the American Express Qantas Business Rewards Card: A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as 'utilities' including gas, water and electricity providers; 'government' including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and 'insurance' excluding insurances offered by American Express. 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. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions. From 10 January 2024, once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
2. Flexible Spending Power: Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
3. 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.
4. Flexible Payment Option (FPO): 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.
5. Cover Charges with Points: This only applies to the following American Express Business Cards: The American Express Platinum Business Card, The American Express Gold Business Card. 1. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days 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. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.'Covering charges with points is available only to Primary Card Members enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, Additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.
6. 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 Australia domestic payments using AccessLine in reflection of your individual requirements. AccessLine is not available to individual consumers. To be eligible for this offer you must 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 Corporate Card or American Express Business Card that is registered to use this service. Terms, conditions, fees and charges apply. Card Members may only use AccessLine if their Company chooses to enrol their Card Account for AccessLine, subject to American Express approval. Payees and payments are subject to American Express approval in accordance with the AccessLine Terms and Conditions. Subject to the Terms and Conditions of the Rewards program you are enrolled in and the availability of the rewards that may be obtained through the Rewards program.