The Interest Rate (Annual Percentage Rate) applied to the Flexible Payment Option Facility is changing from 22.99% to 23.99% p.a. effective 11 June 2026. Please review the Fee Schedule.
Flexible Payment Option
Choose how to manage your Charge Card repayments
Flexible Payment Option
Choose how to manage your Charge Card repayments
Add payment flexibility to your Business toolbox with Flexible Payment Option (FPO).
It's a built-in feature on your American Express® Business Card that lets you free up
cash flow by paying off your balance over time.1
How does FPO work?
Receive your statement
You’ll receive a statement summarising everything you’ve spent on your Card during that period.
Choose what to pay
Pay your full balance, the minimum amount due, or any amount in between.*
Choose what to carry over
Any unpaid amount rolls over
to the following month, up to your FPO limit.1
Interest charges will apply.
*Interest applies to any amount you choose not to pay in full.
What is Flexible Payment Option?
On your Card with benefits ready to use
Built-in convenience
FPO is there when you need it, with no application, no paperwork and no time needed.
Flexible amount and term
Decide how much of your balance to pay now, what to carry over, and how long you’d like to pay it back.*
Keep earning rewards2
If enrolled into a Loyalty Program, you'll still earn rewards points on any purchases you make using your Charge Card.
*Interest charges apply.
Get the flexibility to help
your Business thrive
| Be ready for opportunities, like a discount on bulk purchases, or buying new equipment. | |
| Keep moving through the unexpected, like vehicle repairs or a delay in receiving payment. | |
| Sail smoothly through seasonal changes, such as lower sales or higher stock levels. |
Get the flexibility to help
your business thrive
| Be ready for opportunities, like a discount on bulk purchases, or buying new equipment. |
| Keep moving through the unexpected, like vehicle repairs or a delay in receiving payment. |
| Sail smoothly through seasonal changes, such as lower sales or higher stock levels. |
We’re helping businesses like yours every day
Watch these Card Member stories
Craig Fordham,
Bondi Records
“It meant I could stock up when demand spiked, pay suppliers on time and have breathing room to focus on the business.”
Noah Verin,
Urban Green Sydney
"Flexible Payment Option means that we can pay our suppliers, and then once we have the influx of cash from selling microgreens, we can pay that off."
Ethan Dooley,
Retrieval Medics
"During peak travel times the volume of cases spikes, the Flexible Payment Option gives us the flexibility to spread out payments and align outgoing costs with incoming funds"
Questions?
Existing Card Members
Call your Account Manager or the
number on the back of your Card
Non-Card Members
Existing Card Members
Call your Account Manager or the
number on the back of your Card
Non-Card Members
Frequently Asked Questions (FAQs)
If FPO is active, your monthly statement will show a Minimum Amount Due and an interest rate. Alternatively, contact American Express to confirm.
You’ll still receive one monthly statement, but it will include additional FPO details. For more on how to read your new statement, click here.
The Minimum Amount Due is calculated as follows:
The greater of $30 or 2.5% of your Closing Balance (up to your FPO Limit)
- Any overdue balance;
- Any balance exceeding your FPO Limit;
- Any fees charged by American Express.
Refer to your monthly statement or FPO Financial Table for details on your FPO interest rate.
If you incur interest charges relating to business expenses on your Card, you may be able to claim these as a tax deduction. This is not tax advice – please consult your accountant or tax adviser for more information.
FPO won’t impact the amount you can spend on your Charge Card, which still has no pre-set spending limit. However, no pre-set limit doesn’t mean unlimited spending – purchases are approved based on a range of factors. As we get to know you, we’ll make adjustments to how much you can spend on your Card.
Yes. American Express reserves the right to suspend or cancel FPO on your Account. Our Credit Team reviews payment history and Account performance when assessing whether an Account can access FPO.
No. You can continue to pay the full Closing Balance on your statement each month without using FPO. To opt out, please call the number on the back of your Card.
If you pay your full closing balance every month using Direct Debit and wish to use FPO, you’ll need to update your Direct Debit to ‘Minimum Payment Required’ via your Online Account. For a one-off payment above your Minimum Payment Required, log in to your Online Account or call the number on the back of your Card. Your relevant Card Terms and Conditions and the Direct Debit Services Agreement continue to apply.
Yes. If you’re enrolled, you’ll continue to earn points in accordance with your current rewards program.
Plan It™ Instalments gives you the flexibility to pay off your credit card balance in equal monthly instalments, at 0% p.a. interest and a fixed monthly fee. Learn more.
For full Terms and Conditions please click here.
1. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions.
2. Subject to the Terms and Conditions of the Rewards program you are enrolled in. There may be tax implications associated with participation in the Rewards Program. You are advised to check with your accountant or tax adviser for further information. Membership Rewards Terms and Conditions are available here. The Terms and Conditions of Velocity Rewards Points is here and Qantas Rewards Points are available here.