Discover the
American Express®
Business Card
From easier Account Management to generous
Membership Rewards points, we’re here to help
you do business better.
Discover the
American Express®
Business Card
From easier Account Management to generous
Membership Rewards points, we’re here to help
you do business better.
Give your business the flexibility it needs
| Access to Membership Rewards1 (if enrolled) | |
| No pre set spending limit2 | |
| Annual Card fee of $55 | |
| Employee Card fee of $40 p.a.3 (An annual Membership Rewards fee of $50 applies.) |
Give your business the flexibility it needs
| Access to Membership Rewards1 (if enrolled) | |
| No pre set spending limit2 | |
| Annual Card fee of $55 | |
| Employee Card fee of $40 p.a.3(An annual Membership Rewards fee of $50 applies.) |
Key benefits
Key benefits
| Get access to Amex Membership Rewards Pay for business expenses on your Card and you ll earn 1 Membership Rewards point for every $1 spent.1 Enrolment required |
|
| Protect yourself with Transport Accident Cover If you suffer a serious accident while you're travelling, we will pay certain benefits.4 Terms, conditions and exclusions apply (including age limits). |
|
| Up to 50 cash flow days Give your business financial breathing room with up to 50 days to pay for purchases.5 |
Get access to Amex
Membership Rewards
Pay for business expenses on your Card and you ll earn 1 Membership Rewards point for every $1 spent.1 Enrolment required
Protect yourself with
Transport Accident Cover
If you suffer a serious accident while you re travelling, we will pay certain benefits.4 Terms, conditions and exclusions apply (including age limits).
Up to 50 cash flow days
Give your business financial breathing room with up to 50 days to pay for purchases.5
Easier ways to manage your Account
Easier ways to
manage your
Account
One Convenient Consolidated Monthly Statement
Monitoring business expenses each month is quick and easy. All purchases on your Amex Business Card appear on one consolidated monthly statement. Employee Card purchases are also included on the same statement, with each Card s spending identified and subtotaled.
Your Online Account Management Tool
Enjoy the convenience of managing your Account online. View your latest transactions (updated every business day), download your statement, and download transactions into either a financial software application such as MYDB or Quicken, or a common spreadsheet application such as MS Excel.
Apple Pay
Make easy and secure purchases with American Express and Apple Pay®. With a quick setup on your Apple device, you can make payments on the go6.
The American Express® Business Card
Ready to apply?
Access a rewarding business solution, designed for you and your business.
View Business Charge Card Terms & Conditions
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.
- New Zealand citizen or permanent resident
- At least 18 years old
- Registered to New Zealand Companies Office
- Business revenue of $60,000+
Other Card Recommendations for you
 |
The American Express® Gold Business Card Earn Membership Rewards points1 - Up to 50 cash flow days5 |
Other Card
Recommendations
for you
The American Express® Gold Business Card
Earn Membership Rewards points1
and access valuable tools and resources.
- Up to 50 cash flow days
- No pre-set spending limit
- Annual Card fee of $95
- Employee Card fee of $70 each p.a
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-nz/rewards/membershiprewards/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. 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.
4. For full details of the insurance cover, including terms, conditions and exclusions, please refer to the 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. 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.
6. Apple Pay is a trademark of Apple Inc.
Business Card
From cash flow management to generous rewards points, we’re here to help you do business better.
Give your business the flexibility it needs
- No pre-set spending limit1
- Access to Membership Rewards2 (enrolment optional)
- One consolidated monthly statement
- Transport Accident Cover3
- Annual Card fee of $55
- Employee Card5 fee of $40 each p.a.
1. 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. Visit americanexpress.co.nz/fees for more information.
2. An annual Membership Rewards fee of $50 applies.
3. For full details of the insurance cover, including terms, conditions and exclusions, please refer to the 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.
4. 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.
5. American Express approval criteria apply. Subject to Terms and Conditions. This offer is only available to those who reside in New Zealand. Employee Card Members must be over 18 years of age. The Employee Card Member is jointly and severally liable with the Primary Business Card Member and the Business for all charges made on the Employee Card.
6. Offer only available to new American Express Card Members who apply by 11 July 2023, 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. 20,000 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/rewards/membership-rewards/terms. The American Express Gold Business Card has a standard annual fee of $95 and an annual Membership Rewards fee of $50.
The American Express®
Gold Business Card
Earn 20,000 Membership Rewards® Bonus Points when you apply by 11 July 2023 and spend $1,000 on eligible purchases on your new American Express® Gold Business Card within 2 months of your approval date. New American Express Card Members only. You must enroll in the Membership Rewards programme on your Card application to earn points; annual Card fee and annual Membership Rewards fee apply.6
- Up to 50 days additional cash flow4
- Access to Membership Rewards2 (enrolment optional)
- Overseas Travel Insurance3
- Business Trip Completion Cover3
- Transport Accident Card Account Waiver3
- No pre-set spending limit1
- Employee Cards5
- Consolidated monthly statement
Looking for a Card that offers additional business benefits?
Business Card
No pre-set spending limit
The Business Card is a Charge Card that does not restrict you with a pre-set spending limit1. Charges are approved based on your resources and spending pattern and, because your Account is settled in full each month, you will pay no interest.
The convenience of one consolidated monthly statement
Monitoring business expenses each month is quick and easy. No matter what you purchase on the American Express Business Card, it appears on one consolidated monthly statement which also displays GST separately. Employee Card5 purchases are also included on the same statement, with each Card's spending identified and subtotalled.
Easy online Account Management
Enjoy the convenience of managing your Account online. You can view your latest transactions (updated every business day), download your statement, and download transactions into either a financial software application such as MYOB or Quicken, or a common spreadsheet application such as MS Excel.
Transport Accident Cover
If you suffer a serious accident while you’re travelling, we will pay certain benefits3.
Access to American Express Membership Rewards
Pay for business expenses on your Card and you’ll earn 1 Membership Rewards point for every $1 spent2.