Specifically designed for businesses on the grow
American Express Business Cards are equipped with features and benefits that you won’t find on a personal Card. They are specially-tailored to the unique needs of you, the business owner and include a range of benefits designed to help your business grow.
We understand the days go fast when you’re running a business. Looking after customers, managing staff, stock, accounts and much more. That’s why with our range of specifically designed Business Cards, you can enjoy benefits likes enhanced purchasing power with extra cash flow days1 whilst at the same time earning points2 on your eligible business spend too.
You could enjoy the same American Express® rewards as your customers, plus more
Cash flow management
Depending on the Business Card you choose, you can enjoy extended payment days to pay for purchases1 (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 no pre-set spending limit3, although that does not mean unlimited spending, and the option to pay off a portion of your balance, up to your Flexible Payment Option (FPO) limit4 (interest charges apply).
Capitalise on your hard work with rewards
Whilst running your business, why not also earn points on eligible business spend2. Points can be redeemed against on rewards for yourself or your employees. Depending on the Card you choose, you can also free up cash by using points to pay off eligible charges on your statement5.
You could enjoy the same American Express® rewards as your customers, plus more
Pay virtually 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.
Cards for Businesses on the grow
Find the right Card for your Business
With a range of features and benefits built specifically for business, explore our range to find the right Card to help you get ahead.
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. Extend cash flow 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. Earning points (this will depend on which Card you choose):
2.1. For the American Express Platinum Business Card, the American Express Business Explorer Card 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.
2.2. 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.
2.3. For the American Express Velocity Business Card:
Points are earned in accordance with and subject to the Velocity American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances and fees and charges for foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the Velocity American Express Card Points Terms and Conditions available here. The earn rate of 2 Velocity Points per $1 spent on Virgin Australia only applies to purchases made in Australia.
3. 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.
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 and The American Express Business Explorer Credit Card.
1. For each successful transaction with cover charges with points, points chosen will be debited from your Membership Rewards account and a credit placed on your Card. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Account cannot be in credit when using cover charges with points. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 2-4 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. 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 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.