When you are approved for an American Express Business Card you will have the choice to enrol in the Membership Rewards programme. You can earn 1 Membership Rewards point for every $1 spent on your Card.

American Express Corporate Cards are issued to larger sized businesses, generally with a turnover greater than $10 million. American Express Business Cards have been designed for businesses with a turnover of less than $10 million.

Making purchases with your American Express Gold Business Card allows you to extend your cash flow by up to 50 days. This can give you some breathing space to pay your bill, or invest your funds.

Charges are approved based on your spending pattern and, because your Account is settled in full each month, you will pay no interest.

If you are enrolled, all points earned on Employee Cards will be credited to your Membership Rewards Account.
Download form for the American Express Business Card
Download form for the American Express Gold Business Card

1. What is Employee Card Liability?
As of 1st August 2023, the Primary Card Member and the Business will be liable for all charges and fees associated with the Employee Card.

2. What does this mean for the Primary Card Member?
The Primary Card Member will be the sole signatory required to authorize the Employee Card application, enabling a more streamlined process.

3. What does this mean for the Employee Card Member?
The Employee Card Member must continue to comply with the Terms and Conditions of their Employee Card.

4. As the Primary Card Holder, what can I do to ensure the security of my Employee Card/s?
The Primary Card Member will have full visibility over all expenses on their Employee Card/s in a consolidated, real-time view through their Online Account or Amex App.

5. What do I do if there are issues with the charges and/or fees on my Employee Card?
The Primary Card Member and the Business will be liable for all charges and fees incurred on their Employee Cards. The Primary Card holder must continue to pay for all fees and charges as per the statement by the due date.
If any issues arise, please contact the number on the back of your Card for further assistance.

All business purchases appear in one consolidated monthly statement which also displays GST. This makes it easy for you to track your business expenses each month. Employee Card purchases are also included on the same statement, with the spending on each American Express Card detailed and subtotalled.

1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-nz/rewards/membership-rewards/terms. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express.

2. 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 resources known to us.

3. Depending on when you make a purchase, when your statement is issued, and whether 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 14 days after your statement is issued.

4. For full details of the insurance cover, including terms, conditions and exclusions, please refer to the American Express Business Card Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.

5. For full details of the insurance cover, including terms, conditions and exclusions, please refer to the American Express Gold Business Card Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.

6. Offer only available to new American Express Card Members who apply by 30 April 2025, are approved and spend $1,000 on eligible purchases on their new Card in the first two (2) months from the Card approval date. Eligible 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. Card Members who currently hold or who have previously held any other Card product issued by American Express International (NZ), Inc in the preceding 18-month period are ineligible for this offer. 100,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Subject to the Terms and Conditions of the Membership Rewards Programme available at americanexpress.com/en-nz/benefits/rewards/membership-rewards/. The American Express Gold Business Card has a standard annual fee of $95 and an annual Membership Rewards fee of $50. You must enrol in the Membership Rewards programme on your Card application to be eligible for this bonus points offer.

7. American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in New Zealand. Employee Card Members must be over 18 years of age. Prior to 1 August 2023, the Business, the Primary Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending. On and from 1 August 2023, American Express will be making changes to the Terms and Conditions of American Express Business Card products in New Zealand which will include the removal of the liability of Employee Card Members for charges incurred on their Employee Card. Each employee is entitled to only one (1) Employee Card.