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Business Owners
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Membership Rewards
Card Member Offers & Benefits
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Earn and redeem Membership Rewards points on your Card spend.
The American Express Membership Rewards program1 allows your business to earn points on every dollar spent on an enrolled Business Card.
These points can then be redeemed on a wide range of business or personal rewards – whether it’s a gift card for a high-achieving employee or well-deserved trip away with the family.
Once a Business Card is enrolled in the Membership Rewards program, it will earn points on virtually every dollar spent on it. This includes spend on travel, utilities, insurance, inventory, telecommunications, B2B payments, and more.
The rate at which a Card earns points will be determined by the type of Business Card you have and the category in which you spend.
Use your points to pay off eligible purchases7 made on your Business Card, freeing up cash for other business expenses.
Compare the features and benefits across our different Cards to find the one that’s the best fit for your business.
See all the ways you can redeem your points right here.
We’ve stepped out everything you need to know or have on hand before applying, to help make the process a smooth one.
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.
1. Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include 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.
2. Points transfer. To transfer Membership Rewards points into an Airline 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. Platinum Travel Service. All fees or amounts payable in relation to the services are inclusive of GST where applicable. All fees, taxes and charges levied by the travel providers and/or air travel suppliers still apply and these are subject to change without notice until such time as tickets are issued. Domestic ticketing includes New Zealand.
3. Travel Agency Partners: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet 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.
4. Travel Agency Partners: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet 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.
5. Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details. Minimum redemption amount applies.
6. David Jones. Subject to the Terms and Conditions of the Membership Rewards program available here and the David Jones Partner Terms and Conditions available at Davidjones.com. 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.
7. Pay With Points at Myer: You can Pay with points at Myer online 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 a David Jones Storecard are not eligible to use Pay with points at Myer online. The minimum redemption value is 1,000 Membership Rewards points. The full transaction amount will be charged and appear on your account and the credit will appear within 72 hours of the charge (this may not be the full transaction amount). The credit may not appear on the same statement as the full charge. In this case, you must still pay the amount due on your statement, and the credit will apply to charges on your next statement. For full terms and conditions click here.
