For Small Businesses
For Large Businesses
American Express and your business
Explore products and features that could help your business.
An overview of our products
Business and Corporate Cards
American Express offers Cards designed to suit businesses of all sizes. If you have an annual turnover of $10 million or less, a Business Card may be suitable. If you’re a corporation with an annual turnover of $10 million or more, our Corporate Card program is designed for you.
Payment Solutions
Our Payment Solutions are designed to help corporations manage their vendor payments and employee spend, while freeing up cash flow and saving time.
International Payments
In addition to our Cards, we offer businesses working with international customers and suppliers access to cross-border payments that are simple, secure, and have no setup, maintenance or annual fees.1
Why choose an American Express Business Card?
Cards built for business
Our Business Cards are equipped with features and benefits that you won’t find on a personal Card.
Credit and Charge Card options
We offer two types of Cards to support businesses with different cash flow patterns. Learn which one is right for you.
Earn rewards on every dollar
Make business spend count for more with points on every dollar and rewards such as gift cards and statement credit.
World-class travel benefits
From airport lounge access to complimentary insurances, explore all the ways our Cards can improve your next personal or business trip.
Cash flow tools
See how features like up to 55 days to pay for purchases3 can help you make more of your on-hand capital or gain added breathing room around bills.
Streamlined application process
We’ve stepped out everything you need to know or have on hand before applying, to help make the process a smooth one.
Refer another business and earn Bonus Points2
Refer a fellow business owner to American Express and you’ll both be rewarded with
Bonus Points once they’re approved.
Card Member
Thinking about accepting
American Express Card Payments
Learn about the benefits of accepting American Express
payments instore and online.
Business Trends and Insights
Tips to Multiply Your Rewards
By learning how to maximise your rewards, you could find new ways to improve your business' bottom line.
Drive Efficiency and Savings with a Tailored Corporate Card Program
Customising a Corporate Card program that fits your company can help drive efficiencies across your business.
Can a Business Card Help Manage your Cash Flow
A Business Card with flexible payment terms can be an effective tool to manage your cash flow.
1. Transaction fees may apply.
2. American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. By participating in ‘Refer a Friend’, you agree to these ‘Refer a Friend’ Terms and Conditions:
- Only Friends & Family: You must only send referral messages to close friends and family. Do not market or promote this offer through paid advertising channels or to the public at large (i.e. on public blog sites, search engines or in sponsored ads).
- Ask Their Permission First: You must ask the person for their permission to send them an email about your Card product. Sending emails to people without consent is considered spam.
- The amount of Membership Rewards points you may receive under the ‘Refer a Friend’ program is capped at 1,000,000 points per year.
- Your friend must apply from the referral link we have given you. If your friend applies from a separate link or applies independently (i.e. if they visit americanexpress.com directly) you will not receive your Membership Rewards points,
- You will only receive Membership Rewards points if your friend’s Card application is approved (in accordance with our usual Card application processes and assessments). Note: We will not tell you if your friend’s Card application is approved or declined for privacy and confidentiality reasons.
- It may take 8 to 10 weeks to be credited Membership Rewards points if you are successful.
3. Extend your cash flow by up to 55 days: 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.
1. Transaction fees may apply.
2. American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. By participating in ‘Refer a Friend’, you agree to these ‘Refer a Friend’ Terms and Conditions:
- Only Friends & Family: You must only send referral messages to close friends and family. Do not market or promote this offer through paid advertising channels or to the public at large (i.e. on public blog sites, search engines or in sponsored ads).
- Ask Their Permission First: You must ask the person for their permission to send them an email about your Card product. Sending emails to people without consent is considered spam.
- The amount of Membership Rewards points you may receive under the ‘Refer a Friend’ program is capped at 1,000,000 points per year.
- Your friend must apply from the referral link we have given you. If your friend applies from a separate link or applies independently (i.e. if they visit americanexpress.com directly) you will not receive your Membership Rewards points,
- You will only receive Membership Rewards points if your friend’s Card application is approved (in accordance with our usual Card application processes and assessments). Note: We will not tell you if your friend’s Card application is approved or declined for privacy and confidentiality reasons.
- It may take 8 to 10 weeks to be credited Membership Rewards points if you are successful.
3. Extend your cash flow by up to 55 days: 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.