Get to know your American Express®
Business Accelerator Card
Explore everything your Card can do for you.
Some quick links to help you get started
Some quick links to help you get started
Here’s what your Card can do. Yes, everything
Here’s what your Card can do. Yes, everything
The Membership Rewards® program |
The Membership Rewards® program |
With your American Express Business Accelerator Credit Card, you’re automatically enrolled in the Membership Rewards Ascent program and
can earn points on all spend.1 You can also transfer your points to 11 Airline Partners and 2 Hotel Partners.2
Up to 2 points
Earn 2 points for every $1 spent on eligible purchases except spend on government where you will earn 1 point for every $1 spent.1
Put simply, you get Membership Rewards points everywhere you spend and your points earning power is unlimited.
No cap
With no cap on the number of points you can earn, you can take advantage of one of Australia’s highest Credit Card point redemption rates.
No expiry
Membership Rewards points don’t expire, so you can use them when you’re ready – whether that’s next week, or next year.4
Transfer your points to 11 Airline Partners2 including Velocity Frequent Flyer, KrisFlyer, Emirates Skyward and more.
Use points at thousands of online stores when you check out with eligible merchants with PayPal.5
Help Offset Expenses
Use points to help pay down the balance on your Card via a credit. You can also use them to cover your Card’s annual fee.6
Redeem points for retail, travel and entertainment Gift Cards7 including Apple, JB Hi-Fi, and Accor Hotels.
Shop online with your points, or a combination of points and Card payment, to purchase hundreds of top products at retailers including David Jones.8
Redeem points directly on flights, accommodation, and car rental with American Express Travel online9 booking service, Webjet10 and helloworld.10
Transfer points to Hilton Honors2 or Marriott Bonvoy2 points for stays, upgrades and extras.
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How else can we help?
1. Points Earn: Subject to the Terms and Conditions of the Membership Rewards program. You will earn 2 points for every $1 spent on eligible purchases on all spend except government where you will earn 1 point for every $1 spent Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points 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.
2. Points Transfer: Subject to the Terms and Conditions of the Membership Rewards program. To transfer Membership Rewards points into an Airline Partner or Hotel Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply.
3. There is no expiry date for points earned while in the program so long as you are an American Express Card Member, enrolled in the program and your Account is kept in good standing and is not overdue.
4. Shop PayPal with Points
Eligibility to ‘Shop PayPal with Points':
You can use your Membership Rewards with PayPal on eligible transactions (‘Shop PayPal with Points’) if you are the Primary Card Member of an eligible American Express® Card issued by American Express Australia Limited; your Card is enrolled in an eligible Membership Rewards program; and your Card Account is in good standing (i.e., not overdue or in collections). Additional or Employee Card Members, Card Members enrolled in Qantas or Velocity Direct program, Business Ascent program or Business Card Members with spend locked to one supplier or Card Members who hold an American Express David Jones Store Card are not eligible to Shop PayPal with Points.
Using ‘Shop PayPal with Points’:
To use points through PayPal, you must first sign in to your PayPal account. Once you are signed in, you can link your eligible Card to your PayPal account. Once you have linked your Eligible Card to your PayPal account, it will appear in your PayPal wallet. Any Eligible Card that is already in your PayPal wallet is already linked. After you have linked your Eligible Card, you can view your Membership Rewards point balance and its associated dollar value for use on PayPal. At checkout, select and confirm the Membership Rewards option and enter the dollar amount you would like applied as a statement credit toward your associated purchase. This dollar amount cannot be higher than the amount of available points displayed to you. You may edit your selection before completing your associated purchase. You will then be charged the full dollar amount to your selected American Express Card and will receive a Statement Credit in exchange for your points redemption. The credit will be posted to your American Express account within 2 to 4 days. Depending on when your next Card statement is due, the statement credit may not appear until your next statement period.
New PayPal Account
After you create a new account at Paypal.com/au and link your Eligible Card, you will automatically be shown the available point balance and its associated dollar value for use through PayPal. During checkout, check the “Use Membership Rewards® points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.
Existing PayPal Account
While checking out using your existing PayPal account with your existing Eligible Card on file, you will automatically be shown the available point balance and its associated dollar value for use. During checkout, check the “Use Membership Rewards points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.
Please note that the use of Membership Rewards points will only be displayed for eligible Australian PayPal sellers. American Express and PayPal maintain the right to exclude sellers at their discretion at any time.
The minimum redemption value is 1,000 Membership Rewards points. The maximum points redemption is the lower of the total transaction value or the total points available in your Membership Rewards account. The number of rewards points needed for a statement credit may vary over time. The points required for the credit value will be displayed during the checkout process, prior to submission.
The full transaction amount will be charged and appear on your account and the credit will appear within 2 to 4 days of the charge (this may not be the full transaction amount depending on how many points you choose to redeem). The credit may not appear on the same statement as the full transaction amount is charged to, but may appear on your next statement. If this occurs, you must still pay the amount due on your statement by the due date.
Returns & refunds
The Card Terms and Conditions continue to apply when you Shop PayPal with Points. You must continue to make payments as outlined on your Statement of Account and in your Card Member agreement, even when you Shop PayPal with Points. All Membership Rewards points are subject to the Membership Rewards Terms and Conditions available here.
PayPal Terms and Conditions apply.
We may change or suspend the Shop PayPal with Points feature for any reason and at any time without prior notice, including when a Card account is not in good standing (overdue or in collections).
5. Points for Credit: Points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account (the Card which your Membership Rewards points balance appears online). American Express may decline a Points for Credit request where the Card Account or Cardmember’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 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.
6. Gift Cards: Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details
7. Shop with points at David Jones: Subject to the Terms and Conditions of the Membership Rewards program and the David Jones Partner Terms and Conditions available at DAVIDJONES.COM.AU. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. Minimum redemption amounts apply. If redeeming with Points + Pay, the 'pay' component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You’ll earn Membership Rewards points on the ‘pay’ component of your purchase only.
8. Membership Rewards Terms & Conditions: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing.
To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card.
All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions, please visit the Membership Rewards website.
9. Travel Agency Partners: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet.com.au and Helloworld with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your Accounts are kept in good standing and are not overdue. Partner Terms and Conditions apply. Subject to the Terms and Conditions of the Membership Rewards program and the Partners' booking Terms and Conditions.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
Discover solutions that can help control company spending and manage cash flow |
Discover solutions that can help control company spending and manage cash flow. |
Benefits requiring individual enrolment
Extend your cash flow by up to 55 days
Ask for your Business Card statement to be issued the day before your regular invoices are due and your cash flow can be extended by up to 55 days with an interest rate of 21.99% p.a. on all purchases.1 It's a simple way to extend your cash flow on your largest invoices or recurring bills every month1 – giving you more flexibility to grow your business, manage your short-term cash flow or earn interest on your funds.
Take advantage of this fast and secure payments solution to pay virtually all your domestic suppliers—even if they don’t accept American Express Card payments2 – and earn points too. Enrolment required.
Link your Card to accounting software
Link your Card transactions to ensure a more efficient and seamless business finance experience.
Choose from:
- Intuit Quickbooks
- MYOB
- Xero
Enrolment required.
Card Membership fees may be tax deductible
The Annual Fee may be tax deductible for your business. Please contact your tax advisor/accountant to confirm the availability of a deduction for your business.
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How else can we help?
1. Up to 55 days cash flow. 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. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply.
3. MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of David Jones American Express Cards and American Express Corporate Cards. The Card must be active at the time of enrolment.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
Explore the built-in benefits that come with your American Express Business Card |
Explore the built-in benefits that come with your American Express Business Card |
Benefits requiring individual enrolment
Get rewards when spending with the brands you love. Simply save the Offers you want to your Card, then purchase as normal. Finally, use the American Express app or log in to your account to save the offers to your Card.
Business Trends and Insights from American Express that offer insights and inspiration to help you run, grow and expand your business. Explore to learn the latest trends in business and discover valuable insights.
Purchase prime tickets to sought-after music, film, theatre, fashion, and foodie events, often before they go to on sale to the general public. Sign up to receive American Express marketing emails so you can make the most of your Membership.
With our Fraud Protection Guarantee, you can use your American Express Business Accelerator Card with confidence, knowing you’re protected against unauthorised purchases.1
If you notice anything unusual on your Card statement, notify us straight away and you’ll be covered for any unauthorised purchases.
Contact us on 1300 366 549.
Many Card Membership benefits are automatic, however some require enrolment.
It’s worth spending a few moments to enrol for all the exceptional value you’re welcome to enjoy.
With AccessLine, you can make fast and secure payments to virtually all your domestic suppliers – even if they don’t accept American Express Card payments.2 What’s more you can earn points in the process.
Get even more from American Express
How else can we help?
1. Online Fraud Protection Guarantee: Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.
2.AccessLine: This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
Manage your account with simple, straightforward tools |
Manage your account with simple, straightforward tools |
Ready to take advantage of everything your Card has to offer? Activate it in just a few clicks.
Lost Card? No worries. Just inform us as soon as possible to get a replacement Card within 2 business days at no extra cost1—and we can instantly replace your Card on your mobile wallet if you already have this provisioned on your phone.
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas
Create your account, pay your bill3, view and manage Employee Cards, check your points balance, and more – all from one convenient place.
With American Express, you can make Card payments on any device using Apple Pay®, Samsung Pay® or Google Pay®2. You’ll also continue to enjoy all the rewards and benefits of your American Express Membership when paying with your mobile wallet in-store and online.
Get even more from American Express
How else can we help?
1. Emergency Card Replacement: If your 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 366 549. Once you have notified us, you are not liable for any unauthorised charges.
2. Mobile Wallets: Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc., Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC.
3. By agreeing to receive statements online, you must register for online services and understand you will not receive paper statements by mail. You must check your nominated email address regularly as you will be notified at your nominated email address when your online statement is available to view. You can elect to change this nomination or your email address at any time by changing your preferences in your Online Services Account or by notifying us on 1300 366 220.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.