Business Card application and eligibility​

  • Ready to apply for an American Express® Business Card? Find out how it works and what documentation you’ll need to apply, as well as information on your business eligibility.​

If you’re planning on applying for a Business Charge or Credit Card, this page could help provide you with important things to consider,

eligibility information and details on how to complete your Business Credit or Charge Card application.

Things to consider before you apply for a Business Card


Different types of Cards offer different benefits and some of these maybe better suited to your business than others. Some of the things to consider include:



If earning rewards is important to you, then applying for a Business Credit or Charge Card could also provide you with more generous earn rates for Membership Rewards®.


Benefits and Features

Business Credit and Charge Cards can provide your business with a range of valuable benefits and tools. Depending on which Card you choose, these could include interest-free days to pay your Credit Card balance to help manage cash flow, travel offers, and exclusive Card Member offers and services. When applying for a Business Credit or Charge Card it’s a good idea to choose the one that best suits your business needs and aligns with your business spending.


Card fees and interest-free periods

Some Business Credit and Charge Cards offer greater benefits and rewards, however they may come at a premium. Others provide more generous interest-free days which could help with your cash flow. You should check these conditions and for other fees such as Membership Rewards® enrolment fees  before applying for a Business Credit or Charge Card.



Before you apply for a Business Charge or Credit Card you should also check to see if your business meets the eligibility requirements. You can find these in the checklist below.

How it works

Step 1

Choose a Card That Suits Your Needs​

Explore our range of Cards on offer and decide which is right for your business.​

Step 1

Determine Eligibility​


Prepare your proof(s) of eligibility documentation listed for your business type.​

Step 1

Apply for a Card​


Fill in your application following the steps below. If we need more information, we will be in touch.​

Step 1

Receive Card


You'll receive your Card in the mail once it's been approved.

If you need more time, you can save your application and return to it when ready.

If applying for a Card with a limited time offer, you'll receive the offer valid on the date of application submission.

Application requirements by business type

Sole Traders


A sole trader is an individual running a business. Money earned is considered individual income and you are responsible for all taxes and liabilities.

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5-10 minutes to complete application

Most application decisions are instant



  • Australian citizen or permanent resident 
  • At least 18 years old 
  • Business revenue of $75,000+ 
  • Registered for GST. Exceptions may apply.



  • An active Australian Business Number (ABN)
  • Your gross personal income from the previous financial year.



  • A copy of your driver’s licence

Now it's time to apply

Once you've gathered all your information and documents, it's time to apply for the Card that backs businesses like yours. Return to the information page for your card of choice and click Apply Now to get started.

Terms & Conditions


American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 28 June 2022 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 (ABN 92 108 952 085). Please see our Card pages for more details. ®Registered Trademark of American Express Company.