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American Express Business Cards built specifically with business owners in mind Our Cards can be a payment tool for everyday business purchases, helping you manage business cash flow, while earning rewards from your business spend.

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Business credit cards for business owners

Improve business cash flow

Whether you choose a Business Charge Card or a Business Credit Card, you can benefit from up to 51 cash-flow days1. Plus, with a Charge Card you have access to purchasing power that can grow as your business grows.

Learn more about the differences between Business Credit Cards and Charge Cards.

Turn existing business expenses into rewards

Depending on the American Express Business Card you choose, when you spend on your Card you can earn Membership Reward points2 that can be converted into a variety of rewards, such as travel3, gift cards4 or to pay off the balance on your card.5

Eligible everyday business expenses that can be put on the Card include telecoms, utilities, advertising, and many B2B suppliers. Connect with a business specialist for a consultation on which of your current business expenses can be put on an American Express Business Card.

In addition, there's a range of American Express Business Cards tailored to earn the rewards points of your choice including Qantas Points6, or Velocity points.7

Learn more about these business reward options.

Money management made easier

Online Reporting

To help you to keep track of outgoings you can view live account balances online, including spending information for the last 6 months.

Instant Alerts

Instant alerts via email or SMS are available at no additional cost. These include balance updates, and notifications for payment confirmation or payment due dates.

Employee Cards

Gain better visibility of your team's expenses with up to 99 Employee Cards linked to your account, whilst increasing your opportunity to earn points.8

World-class service, worldwide

24/7 Service

A dedicated team will handle your enquiry from start to finish. They're contactable via phone and are on hand all day, every day.

Worldwide Support

We can provide assistance in many different languages, so wherever you are in the world we can offer support.

Card Replacement

We can usually get a replacement Card to you within 48 hours regardless of where you are, via our global network of offices.9

Terms and Conditions

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 15 April 2019 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited

  1. Depending upon 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.
  2. Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available at Government transactions will earn 1 point per dollar spent with Merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
  3. To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms & Conditions of the applicable partner program and a joining fee may apply
  4. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply
  5. Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.
  6. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption points are subject to the terms and conditions of the Qantas Frequent Flyer program available at Points are earned in accordance with and subject to the Qantas American Express Business Card and Qantas American Express Business Credit Card Points Terms and Conditions available at, and exclusions apply. Eligible purchases do not include annual fees, late payment fee, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Terms and Conditions available at
  7. Velocity Points are earned in accordance with and subject to the Velocity American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, fees and charges for traveller's cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the Velocity American Express Card Points Terms and Conditions available at The earn rate of 2 Points per $1 spent on Virgin Australia only applies to purchases made in Australia
  8. American Express approval criteria apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. Please note Employee Cards are referred to as Supplementary Business Cards in some Terms and Conditions and marketing materials. The Employee Card Member is jointly and severally liable with the Basic Business Card Member and the Business for all charges made on the Employee Card.
  9. If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges

American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company

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