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
Annual Fee: $875 in the first year (normally $1750).
Points Earn: Earn 2.25 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 of Points: Membership Rewards
Type: Charge Card
Offer: Earn 250,000 Bonus Membership Rewards Points® when you apply, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date. Plus you’ll also enjoy a half annual Card fee of $875 in the first year (normally $1,750) when you apply by 27 May 2025. T&Cs apply. Available for new American Express Card Members only.
The American Express® Platinum Business Card is designed to cater specifically to small to medium-sized enterprises (SMEs), offering a comprehensive range of tailored benefits.
Earn 250,000 Bonus Membership Rewards Points® when you apply, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date. Plus you’ll also enjoy a half annual Card fee of $875 in the first year (normally $1,750) when you apply by 27 May 2025. T&Cs apply. Available for new American Express Card Members only.
Compelling rewards and flexibility make this card a viable option for businesses. The Membership Rewards® Bonus Points earned through the Platinum Business Card belong to the esteemed American Express Membership Rewards program, providing Card Members with a diverse range of redemption options with leading partners across all major travel, shopping and entertainment brands. Additionally, the Card facilitates flexible cash flow management by allowing up to 55 days to pay for purchases, empowering businesses to effectively manage expenses while maximising rewards.
Benefits:
- Membership fee of $875 in the first year (normally $1750).
- No Pre-set Spending Limit
- Up to 55 days to pay for purchases⁴
- Complimentary Travel Insurance (Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).
- Enjoy payment flexibility with a Flexible Payment Option
- Access over 1,400 airport lounges
- Exclusive travel perks and offers
- Eligible for Velocity Points for your business through Virgin Australia Business Flyer with Sniip^
Considerations:
- High Annual Card Fee
- Benefits may not be able to be utilised unless booked
through American Express Travel Online directly
*Use your American Express to pay bills through Sniip, and earn full points 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 Card reward programs – when you pay with Sniip you can earn full reward points.
¹250,000 Bonus Membership Rewards ® Points (Offer Extended): The Offer ends at 11.59pm AEST 27 May 2025 ("Offer Period"). The Offer is only open to residents of Australia aged 18 years or over who are employed by an organisation, (Australian Company, Partnership, Registered Foreign Company, Unregistered Foreign Company, Government Body, Co-operative, Incorporated Association, Unincorporated Association, Trust) with a valid ABN and an annual turnover of AU$10,000,000 per annum or more. Offer only available to Card Members that apply by 27 May 2025, are approved and spend $12,000 on eligible purchases within the first three (3) months of the American Express ® Corporate Platinum 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. Offer applies to the first Card applied and approved for the organisation. Organisations who currently hold, or who have previously held any American Express ® Corporate Card or American Express ® Qantas Corporate Card in the last 18 months are ineligible for this offer. To earn the 250,000 Bonus Membership Rewards Points, the company’s Corporate Card program must be in good standing. 250,000 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. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. The American Express ® Corporate Platinum Card has a standard annual fee of $800.
⁴Extend 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
American Express® Qantas Business Rewards Card
Annual Fee: $225 (normally $450)
Points Earn: Earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 Qantas Points per $1 spent on everyday business spend and 0.5 on government, utilities and insurance per $1 spent. When you pay your bills through Sniip*, you’ll be able to earn full points across everyday business spend.
Type of Points: Qantas Points
Type: Charge Card
Offer: Earn 150,000 bonus Qantas Points1 when you apply, are approved, and spend $6,000 on eligible purchases on your American Express® Qantas Business Rewards Card within 3 months of your approval date. Plus you’ll also enjoy a half annual Card fee of $225 in the first year¹ (normally $450). Offer ends 1 July 2025. T&Cs apply.
Discover the benefits of the American Express® Qantas Business Rewards Card, designed to support you and your business accumulate Qantas Points and elevate your business journey. This Card not only supports your everyday business expenses, but also offers perks that enhance your business travel.
Earn 150,000 bonus Qantas Points1 when you apply, are approved, and spend $6,000 on eligible purchases on your American Express® Qantas Business Rewards Card within 3 months of your approval date. Additionally, benefit from Complimentary Travel Insurance and airport lounge access, adding even more value to your card membership. Plus you’ll also enjoy a half annual Card fee of $225 in the first year¹ (normally $450). Offer ends 1 July 2025. T&Cs apply.
Manage your cash flow efficiently with up to 51 days to pay for purchases. This feature provides flexibility and convenience in handling business expenses.
Benefits:
- No Pre-set Spending Limit
- 51 days to pay for purchases
- Up to 99 Employee Cards
- Complimentary Travel Insurance
- Earn triple Qantas Points for your business when booking eligible flights with your Card
Considerations:
-
Perks are tailored to enhance your travel spending and experiences with Qantas Airlines specifically
*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.
¹150,000 bonus Qantas Points min spend $6k in first 3 months. New Amex Card Members only. Offer ends 1 July 2025. $450 annual Card fee applies from Year 2. T&Cs apply.
American Express® Velocity Business Card
Annual Fee: $249
Points Earn: 2 Velocity Points per $1 spent on travel with Virgin Australia, and 1 Velocity Point per $1. When you pay your bills through Sniip*, you’ll be able to earn across all spend categories, plus earn bonus Velocity Points^ on business payments.
Type: Charge Card
Offer: Earn 170,000 bonus Velocity Points¹ when you apply by 30 April 2025, are approved, and spend $5,000 on eligible purchases on your new American Express® Velocity Business Card within 2 months of your approval date. Plus have your business join the Virgin Australia Business Flyer program to jump direct to Tier 2 and receive a complimentary 12-month Velocity Frequent Flyer Gold Membership if you meet the eligibility and minimum spend criteria². T&C’s apply. Both offers are available for new American Express Card Members only.
American Express® Velocity Business Card presents a viable option for businesses seeking travel rewards and affordability. One of the standout features of the Velocity Business Card is its exceptional sign-up bonus. Earn 170,000 bonus Velocity Points¹ when you apply by 30 April 2025, are approved, and spend $5,000 on eligible purchases on your new American Express® Velocity Business Card within 2 months of your approval date. Plus have your business join the Virgin Australia Business Flyer program to jump direct to Tier 2 and receive a complimentary 12-month Velocity Frequent Flyer Gold Membership if you meet the eligibility and minimum spend criteria². T&C’s apply. Both offers are available for new American Express Card Members only.
Card Members earn 2 Velocity Points per $1 spent on travel with Virgin Australia, and 1 Velocity Point per $1 spent through Sniip* with bonus Velocity Points^ on offer for business payments.
A combination of earning potential and flexibility makes the Card appealing to businesses seeking value and convenience in their travel rewards program. Aligned with the Velocity Points program, the Velocity Business Card enables Card Members to leverage their spending for travel-related services. Additionally, it offers a grace period of up to 51 days to pay for purchases, enhancing cash flow management capabilities for business expenses.
Benefits:
- No Pre-set Spending Limit
- 51 days to pay for purchase
- $99 per Employee Card, up to 99 Employee Cards
- Complimentary Travel Insurance
- Two complimentary passes to the Virgin Australia lounge at selected domestic airports each Membership year
- Low Annual Card Fee
- Eligible for Velocity Points for your business through Virgin Australia Business Flyer with Sniip^
Considerations:
- Perks are tailored to enhance your travel spending and experiences with Virgin Australia Airlines specifically
*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.
¹170,000 bonus Velocity Points: Offer only available to new American Express Card Members who apply for the American Express Velocity Business Card by 30 April 2025, are approved and spend $5,000 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 Australia Limited in the preceding 18-month period are ineligible for this offer. 170,000 bonus Velocity Points will be awarded to the eligible Card Member’s Account 8- 10 weeks after the spend criteria has been met. $249 annual fee applies. Subject to the American Express Velocity Business Card Points Terms and Conditions. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
²Jump to Tier 2: New American Express Card Members who:
a) successfully apply for the American Express Velocity Business Card by 30 April 2025, ensuring they enter their Velocity Frequent Flyer number in the field provided in the Card application, and are approved;
b) spend $5,000 on their new American Express Velocity Business Card in the first two (2) months from the Card approval date; and
c) either:
(i) are already a Virgin Australia Business Flyer Member with a Tier 1 Level Status; or
(ii) sign-up to Virgin Australia Business Flyer within the first one (1) week from the American Express Velocity Business Card approval date, are eligible to be upgraded from Tier 1 to Tier 2 Level Status of Virgin Australia Business Flyer for 12-months (Jump to Tier 2 Offer), which includes a complimentary 12-month Velocity Gold Membership. See here for Velocity Gold Membership Terms and Conditions. The tier jump can take up to two months to reflect in a member’s Virgin Australia Business Flyer account.
For the avoidance of doubt, existing Virgin Australia Business Flyer members who are already at Tier 2 or 3 Level Status are not eligible for the Jump to Tier 2 Offer.
Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18-month period are not eligible for the Jump to Tier 2 Offer.
At the end of each 12-month anniversary, Virgin Australia reserves the right to review and change the Virgin Australia Business Flyer Member’s Tier Level based on the Member’s spend with Virgin Australia Business Flyer in the previous 12-months. Jump to Tier 2 Offer and the Program Benefits available for Tier 2 Virgin Australia Business Flyer Members are subject to the Virgin Australia Business Flyer and Loyalty Terms & Conditions, as amended from time to time. For more information regarding Tier Level Program Benefits, please visit https://virginaustralia.com/businessflyer
^ 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® 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.
What is a credit card?
A credit card operates as a financial tool that enables individuals to make purchases with borrowed money from the issuing financial institution. This borrowed money, often referred to as “credit,” must be repaid within a specified timeframe to avoid accruing high interest charges and potential late fees. While credit cards offer the convenience of purchasing goods and services, they also carry inherent risks.
Many individuals find credit cards beneficial for various reasons, such as the ability to spread out payments for large purchases, earn rewards points, and access additional perks. However, it’s crucial to approach credit card usage with caution, as it can also lead to debt accumulation if not managed responsibly. Prior to obtaining a credit card, it’s important for individuals to thoroughly understand the terms and conditions associated with card ownership to make informed financial decisions.
What are the different types of American Express Cards?
American Express Cards come in various types, each offering distinct features. American Express provides a range of Card options which are highlighted below:
Charge cards resembles a credit card in many ways; however, a significant distinction is that with a charge card, the balance must be paid off entirely each month. This differs from a credit card, where you can carry a balance over time and pay interest on the remaining amount. With a charge card, you must settle the balance in full by the due date, and charge cards usually do not have a pre-set spending limit.
Reward Credit Cards incentivise spending by offering Membership Rewards, typically in the form of Points earned on everyday purchases. Rewards cards include: American Express® Platinum Business Card, American Express® Qantas Business Rewards Card, American Express® Velocity Business Card, and more. Membership Rewards can be redeemed for various benefits, including: Singapore Airlines, Virgin Australia, Coles, and more leading partners across all major travel, shopping and entertainment brands.
Frequent Flyer Credit Cards cater specifically to frequent travellers that journey with specific airlines. American Express offers frequent flyer Cards with Virgin Australia or Qantas. Rather than earning Membership Rewards Points, Card Members accumulate Velocity or Qantas Points that align with their Card respectively. These points can be redeemed for eligible flights, holiday bookings, and travel upgrades.
What fees come with American Express Cards?
Credit cards vary in their fee structures, making it essential to be aware of potential charges associated with card usage. Here are common credit card fees:
Annual fee: Charged annually by some credit card companies for card ownership, typically payable upon card activation and annually thereafter.
Cash advance fee: Imposed for cash advance transactions, similar to balance transfers.
Late payment fee: Incurred if you miss the due date for your monthly credit card repayment.
Foreign transaction fee: Applied as a percentage on purchases made overseas if your credit card permits international use.
Balance transfer fee: Levied when transferring debt from one card to another, if balance transfer feature is available.
Payment dishonour fee: Charged if direct debits for monthly credit card bills fail to go through.
Card replacement fee: Occurs when requesting a replacement card due to loss or damage.
Frequently Asked Questions
American Express Cards
Normally, when card holders 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 bill payments (including at government bodies).
With Sniip, earn the following points on all payments:
- Earn 2.25 Membership Rewards Points per $1 for American Express® Platinum Business Cards
- Earn 1.25 Qantas Points per $1 for American Express® Qantas Business Rewards Cards
- Earn 1 Velocity Point per $1 for American Express® Velocity Business Cards
- 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 100,000+ Australian’s love Sniip so much.
Sign up for Sniip for free today, and start earning uncapped points on every single bill payment!
Redeem points directly on flights, accommodation, and car rental with American Express Travel online booking service, as well as Webjet and helloworld. Or transfer points to your choice of 12 world-class airline partners including Qantas, Virgin Australia, and Air New Zealand where you can use them for flights and upgrades.
The minimum income required to apply for an American Express Business Card varies from card-to-card. The annual business revenue required for Amex Business Cards are displayed below:
- American Express Platinum Business Card: $75,000+
- American Express Qantas Business Rewards Card: $75,000+
- American Express Velocity Business Card: $75,000+
Please note: these amounts are an estimation and the actual requirement may vary based on the economic climate and American Express’s lending criteria.
The below conditions are required to apply for the American Express Platinum Business Card; American Express Qantas Business Card; and American Express Velocity Business Card.
- Age 18 years or over
- Australian citizen or permanent resident
- Director or controller of a business
- Good credit history and no payment defaults
- Annual business revenue of $75,000 or more
- Valid ABN registered for GST
You’ll need the following information when applying for the American Express Platinum Business Card:
- Your personal income or business revenue
- Your drivers license (if you own one)
- The details of your business’ ownership as it appears on ASIC (for the Director and/or Beneficial Owner)
General
Normally, when card holders 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 100,000+ Australian’s 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.