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Managing your business cash flow

American Express has a range of Business Cards that can help manage business cash-flow.

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Improve operating business cash flow with American Express

By using cash flow days1 to extend the terms of business payables you can better manage your short-term business cash flow. By making your supplier payments line up with your preferred statement cycle, you could have business receivables coming in before business expenses are going out.

Cash flow days are available whether you choose a Business Charge Card or a Business Credit Card.

To learn more speak to a business specialist.

Ways a Business Card can help with business cash flow

Increase day-to-day cash flow by using the Card instead of cash, cheque, and EFT

With cash in your account for longer, you'll have the flexibility to make payments that can't be put on a Card and can help to grow your business

Using a Business Card to help monitor cash flow

Use your Card for everything from inventory to travel, and keep all your expenses in one place

Monthly statements help you keep track of how much you're spending, enabling you to get the most out of your resources

Download online statements directly into bookkeeping software, making it even easier to manage your business costs

Extend cash flow with a Business Credit Card

If you choose an American Express Credit Card, you can access a range of features to help you manage a busy business.

All American Express Business Credit Cards offer you up to 55 days interest-free on purchases1

At the end of the month you can choose when to make your payments - either pay the entire balance straight away to minimise interest, or pay part of the balance and access your revolving line of credit

In addition, they earn Rewards points2 on every purchase, giving you something back from your everyday expenses.

Business Charge Cards for flexible spending

All our Charge Cards help you maximise your business cash flow. With no pre-set spending limit3, business owners can often make large purchases - such as utilities, insurance, etc. - while also covering everyday expenses like travel, fuel and utilities.

'No pre-set spending limit' doesn't mean unlimited spending. Put simply, it means the amount you can spend adjusts based on your spending patterns, payment history, and credit records.

If you anticipate an unusually large purchase you should call the Customer Service Centre on 1300 366 549 to let us know.

Use points to further improve your cash flow

Whether you use a Charge Card or a Credit Card, remember that almost every purchase can earn you Rewards points2, which you could use to help pay off your balance.4

Alternatively you could use your points for a range of business benefits, giving you more ways to benefit from the money you've spent.

Step 1

Locate the closing date and payment due date on your American Express Statement

Step 2

Identify purchases charged to your Card and the posting date of that purchase to your account

Step 3

Work with your largest suppliers to change your inventory purchase date to just after the Card closing date. You can also work with your American Express Business Manager to change your billing cycle to better match the needs of your business.

To learn more speak to a specialist

Terms & 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 on 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. 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.
  4. 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

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

Our best Cards for your business

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There are seven American Express Business Cards - one of them could be perfect for your business.

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Need help?

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