American Express® Business Cards
Explore some of the most rewarding Cards to see which American Express Business Card is right for you.
Choosing the right Charge Card for your business
Businesses that choose the right Card can strengthen their financial position and seize opportunities for growth and expansion. Our goal is to offer you some of the most rewarding (and practical) American Express Card deals in Australia. We take the heavy lifting out of the research and only list great deals that are worth your while. Below, you can easily compare Cards to uncover the option that is best suited for you and your business needs.
Superior Points Earn?
These Are The Cards You Need To Know
American Express® Platinum Business Card
Earn 350,000 Bonus Membership Rewards Points1
Offer: When you apply by 1 September 2026 via the link on this page, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
American Express® Qantas Business Rewards Card
Earn 170,000 bonus Qantas Points2
Offer: when you apply by 1 September 2026 via the link on this page, are approved and spend $6,000 on eligible purchases on your new American Express® Qantas Business Rewards Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
American Express® Velocity Business Card
Earn 200,000 bonus Velocity Points3
Offer: When you apply by 1 September 2026 via the link on this page, are approved and spend $6,000 on eligible purchases on your new American Express® Velocity Business Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
American Express® Explorer Business Card
Annual Fee: $249
Points Earn: Earn 2 points per $1 spent on eligible purchases and 1 point per $1 spent on government-related spend. When you pay your bills through Sniip*, you’ll be able to earn full points across all spend categories.
Type: Credit Card
Offer: Receive 110,000 bonus Membership Rewards® Points
when you apply online, are approved and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. New American Express Card Members only.
The American Express® Explorer Business Card is a powerful tool for businesses looking to turn everyday expenses into rewarding travel opportunities—all while keeping affordability in check.
Receive 110,000 bonus Membership Rewards® Points when you apply online, are approved and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. New American Express Card Members only.
Card Members earn 2 points per $1 spent on eligible purchases and 1 point per $1 spent on government-related spend. When you pay your bills through Sniip*, you’ll be able to earn full points across all spend categories.
Enjoy access to exclusive travel privileges, complimentary lounge entries, and comprehensive insurance coverage that keeps you protected wherever work takes you. Plus, with a rewarding points program, every purchase brings you closer to your next adventure. Seamlessly combining convenience, value, and premium service, this Card is the perfect companion for businesses looking to elevate their travel and spending experience.
Benefits:
- Earn more points by adding an Additional Card for up to 4 family members.
- $400 annual Travel Credit
- Airport Lounge Access
- Complimentary domestic & international Travel Insurance
- Interest Free Period up to 55 days
- Eligible for Velocity Points for your business through Virgin Australia Business Flyer with Sniip^
Considerations:
- Interest on cash advances is not offered
- Minimum credit limit
*Use your American Express to pay bills through Sniip, and earn full points for ‘everyday purchases’ on all payments (including payments to government bodies such as the ATO). The Sniip MCC code for Amex is 7399, which should not be excluded from your Credit Card reward programs. This means, when you pay with Sniip you can earn full reward points.
^ Earn bonus Velocity Points when you pay business bills through Sniip. Link your Virgin Australia Business Flyer account to your Sniip account to earn bonus Velocity Points (plus 1 Velocity Point per $1) when you pay business bills through Sniip. Learn more.
American Express® Business Gold Plus
Annual Fee: $395
Points Earn: Earn Up to 3 points per $1 on the first 200,000 points earned per calendar year. 1 point per $1 spent across all categories thereafter, uncapped and with no expiry.
Type: Charge Card
Offer: Earn 100,000 Bonus Membership Rewards® Points when you apply by 17 June 2025, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within 3 months³ of your approval date. T&Cs apply. Available for new American Express Card Members only.
The American Express® Business Gold Card Plus is designed to help businesses make the most of their everyday spending, turning expenses into valuable rewards while keeping cash flow flexibility in check.
Get 100,000 Bonus Membership Rewards® Points when you apply by 17 June 2025, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
Card Members can get 3 points per $1* on the first 200,000 points earned per calendar year. One point per $1 spent across all categories thereafter, uncapped and with no expiry.
Enjoy exclusive travel perks, like robust insurance coverage that keeps you protected wherever business takes you. Plus, with a rewarding points program, every expense brings you closer to your next opportunity. Offering a seamless blend of convenience, value, and premium service, the American Express® Business Gold Card Plus is the ideal companion for businesses looking to elevate their travel and spending experience.
Benefits:
- Two Employee Cards at no extra cost then $75 p.a. for each Employee Card
- Up to 55 days to pay for purchases¹
- Transfer Points to Partners
- Get up to $550 back each year²
- Complementary travel insurance (i.e. Terms, conditions and exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits).
- Eligible for Velocity Points for your business through Virgin Australia Business Flyer with Sniip^
Considerations:
- $550 back to limited merchants only.
*Use your American Express to pay bills through Sniip, and earn full points for ‘everyday purchases’ on all payments (including payments to government bodies such as the ATO). The Sniip MCC code for Amex is 7399, which should not be excluded from your Credit Card reward programs. This means, when you pay with Sniip you can earn full reward points.
¹Extend 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.
²Credit benefits redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.
³Min spend $5k in first 3 months. Offer ends 17 June 2025. T&Cs apply. New Amex Card Members only.
^ Earn bonus Velocity Points when you pay business bills through Sniip. Link your Virgin Australia Business Flyer account to your Sniip account to earn bonus Velocity Points (plus 1 Velocity Point per $1) when you pay business bills through Sniip. Learn more.
Frequently Asked Questions
General
Normally, when cardholders pay certain expenses such as the ATO with their rewards Credit Card, they earn capped or zero credit card reward points.
However with the Sniip app, they can earn full reward points (that are allocated for everyday purchases) on all your transactions (including at government bodies).
- Simply create a Sniip account;
- Add your Credit Card to your Sniip wallet;
- Upload your bill details;
- Pay your bill in seconds (and earn full rewards points!)
How does Sniip allow me to earn full reward points on ATO and other government payments?
Sniip processes your transaction as a two-legged transaction. When you use a rewards Credit Card, you will earn points on the first leg of the transaction (which is a payment into the Sniip Trust account), even if you’d earn reduced points / no points if you pay the biller directly (such as government billers). Sniip will then make payments to the biller via BPAY on the second leg of the transaction, and this utilises the BPAY Scheme.
This process allows you to earn full points on all of your bills, and is a big reason why 190,000+ Australians love Sniip so much.
Sign up for Sniip for free today, and start earning uncapped points on every single bill payment!
Most credit cards offer an interest-free period ranging from 44 to 55 days. If you settle the entire balance before this period ends, no interest is accrued. Yet, failing to clear the full balance results in interest charges. Therefore, it’s crucial to monitor statements and settle the full amount before the interest-free period expires.
When you’ve applied for credit or a loan, a credit report detailing your financial history is created.
You’re entitled to receive a copy of your credit report every three months for free.
Included in your credit report is your credit rating, indicating the category your credit score falls into (e.g., low, fair, good, very good, excellent).
Accessing your report online typically takes one to two days. Alternatively, you may wait up to ten days to receive it via email or mail.
To obtain your free credit report, reach out to the following credit reporting agencies:
- Experian: 1300 783 684
- illion: 132 333
- Equifax: 138 332
As the information held by different agencies may vary, you may have credit reports with more than one agency.
Amex Terms & Conditions Index for this page
1350,000 Bonus Membership Rewards Points: Offer only available to new American Express Card Members who apply by 1 September 2026 via the link on this page, are approved and spend $12,000 on eligible purchases on their new Card in the first three (3) 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 Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 350,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at americanexpress.com/en-au/rewards/membership-rewards/terms
The American Express® Platinum Business Card has an Annual Card Fee of $1,750. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2170,000 bonus Qantas Points: Offer only available to new American Express Card Members who apply by 1 September 2026 via the link on this page, are approved and spend $6,000 on eligible purchases on their new Card in the first three (3) 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 Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 170,000 bonus Qantas Points will be awarded to the eligible Card Members Account 8-10 weeks after the spend criteria has been met. Subject to the American Express® Qantas Business Rewards Card Points Terms and Conditions. $450 Annual Card Fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
3200,000 bonus Velocity Points: Offer only available to new American Express Card Members who apply by 1 September 2026 via the link on this page, are approved and spend $6,000 on eligible purchases on their new Card in the first three (3) 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 Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 200,000 bonus Velocity Points will be awarded to the eligible Card Members Account 8-10 weeks after the spend criteria has been met. $249 Annual Card Fee applies. Velocity membership and Points earn and redemption are subject to the American Express Velocity Business Card Points Terms and Conditions as amended from time to time. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
For more information on Sniip Terms & Conditions, please refer to: https://sniip.com/terms-and–conditions/
