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Access the funds you need, when you need them |
Open more doors and make running your business easier |
Unique benefits and services to help you and your business |
Earn 2 Membership Rewards™ points for every dollar spent |
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| Interest Rate | You pay off your balance in full every month | You pay off your balance in full every month | You pay off your balance in full every month | 18.99% p.a.¹ |
| Balance Transfer | n.a. | n.a. | n.a. | n.a. |
| Annual Card Fee | $160 p.a. | First Year Free then $169 p.a. | $1,200 p.a. | $160 p.a.4 |
| Membership Rewards™ Annual Fee | $40 p.a. (Choices) $80 p.a. (Ascent)¹ |
$40 p.a. (Choices) $80 p.a. (Ascent)¹ |
$0 p.a. Complimentary enrolment in Ascent Premium | Complimentary enrolment in Choices |
| Membership Rewards™ Earns Rate | $1 spent = 1 Membership Reward point¹ | $1 spent = 1 Membership Reward point¹ | $1 spent = up to 1.5 Membership Reward point¹ | Earn 2 Membership Reward points per dollar spent up to $150, 000 - reverting to 1 point for $1 thereafter (reset annually)² |
| Additional Features | Every month you'll receive a statement that includes a GST breakdown that meets ATO requirements2 for GST reporting. You can also download your statements straight into Quicken®, MYOB®, or your Microsoft® Excel budget spreadsheet - saving you time preparing your BAS². | Domestic and Overseas Travel Insurance² | Monthly Business Expenses Insurance² and Travel Insurance² for unlimited medical expenses and repatriation. | Every month you'll receive a statement that includes a GST breakdown that meets ATO requirements for GST reporting3. You can also download your statements straight into Quicken®, MYOB®, or your Microsoft® Excel budget spreadsheet - saving you time preparing your BAS. |
Interest rates are current at published date and subject to change, including changes under our Interest Rate Policy. 1. Subject to the Terms and Conditions of the Membership Rewards program. There may be tax implications associated with your participation in the Membership Rewards program. You are advised to check with your accountant or tax advisor for further information. 2. Please note that where a transaction is flagged as a mixed supply transaction, or the requirements of the relevant Australian Taxation Office ruling are not satisfied for a transaction, you must obtain a tax invoice to support your GST claims. 4. The annual Card fee is tax deductible, if the Card is solely used for business purposes. |
1. Membership Rewards enrolment required. Subject to the Terms and Conditions of the Membership Rewards program. There may be tax implications associated with your participation in the Membership Rewards program. You are advised to check with your accountant or tax advisor for further information. 2. Please be sure to read the insurance booklet carefully and be aware of its various Terms and Conditions and Exclusions. Terms and Conditions are also available at www.americanexpress.com.au/ |
1. Subject to the Terms and Conditions of the Membership Rewards program. There may be tax implications associated with your participation in the Membership Rewards program. You are advised to check with your accountant or tax advisor for further information. 2. Please be sure to read the insurance booklet carefully, consider the appropriateness of the insurance in relation to your individual requirementsand be aware of its various Terms and Conditions and Exclusions. Terms and Conditions are also available at www.americanexpress.com.au/ |
1. Interest rates are current at published date and subject to change, including changes under our Interest Rate Policy. 2. Subject to the Terms and Conditions of the Membership Rewards program. There may be tax implications associated with your participation in the Membership Rewards program. You are advised to check with your accountant or tax advisor for further information. 3. Please note that where a transaction is flagged as a mixed supply transaction, or the requirements of the relevant Australian Taxation Office ruling are not satisfied for a transaction, you must obtain a tax invoice to support your GST claims. 4. The annual Card fee is tax deductible, if the Card is solely used for business purposes |