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Rewards for your business, your employees, or yourself American Express® Business Rewards can help make your everyday spending work for you.

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Use the Card to earn points

As you use the Card to pay for day-to-day business expenses – such as travel, inventory, utilities, telecoms, and even settling B2B expenses – you'll earn points, which can quickly add up. The rate of points earned varies based on the type of American Express Business Card you have.

Compare the points you can earn

Tips to maximise the points you can earn

• Use the card as the default payment for frequently reoccurring business expenses – such as telecoms, insurance and utilities – and regular purchases from suppliers

• Work with your suppliers to have the Business Card on file for reoccurring purchases

• Pay for large one-off purchases - such as new equipment – with the American Express Business Card

Speak to a business specialist to see the types of spending other businesses in your industry are putting on their American Express Cards.

Earn points when paying your taxes

Use the Card to pay your business taxes and earn 0.5 points1 for every dollar you spend on your payment

Multiply Rewards with Supplementary Cards

• You can earn even more points by providing Supplementary Cards2 to employees

• All the points earned from Supplementary Cards will accumulate on the Primary Card Holder’s account

• There is no limit to the amount of points that can be earned and the points will never expire

Helping your business take off

Frequent flyers can go for one of our Business Cards issued in partnership with Qantas or Velocity . If you are already collecting points with these airline partners, you can increase the points earned by using the Card to pay for flights.

Ways to use business rewards points

Redeeming reward points is easy. Simply log on to the online portal and use your points for travel3, gift cards4 or to pay off the balance on your card.5

Business rewards for Credit Card balance

Points for Credit

The points you earn on purchases can help pay off your Card balance. It's called Points for Credit5 and it's the ideal way to help with your cash flow.

Busines rewards for travel benefits

Travel Rewards

Depending on the Business Card you hold your points can be transferred to up to 10 airline reward partners3 to earn travel rewards. Business owners can also change their points into foreign currency6, or use them to book travel online.

Business rewards for purchasing rewards

Purchasing Rewards

Points can be used for Gift Cards4 for anything from fuel to furniture. You could even use them for employee bonuses, with Gift Cards from David Jones Online.7

Terms & Conditions

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 24 April 2015 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.

  1. Subject to the Terms and Conditions of the Membership Rewards program of which you are actively enrolled in. Spending at restaurants, airlines and accommodation will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Spend on airlines or accommodation is eligible for the additional points when paid directly to the merchant or through a travel agent. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express Card Member enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.
  2. American Express credit approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited. Supplementary Card members must be over 18 years of age. You will be liable for all Supplementary Card spend.
  3. To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms & Conditions of the applicable partner program and a joining fee may apply
  4. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply
  5. Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’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 three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund
  6. Photo identification is required for redemption. Points are calculated on AUD equivalent. Redemption of foreign currency only available in American Express Foreign Exchange branches. A Disclosure Document will be provided where Travellers Cheques and American Express GlobalTravel Cards are sold and are available upon request. You should request an American Express Financial Services Guide and consider the appropriateness of Travellers Cheques and American Express GlobalTravel Cards in relation to your individual requirements. Travellers Cheques are issued under American Express International, Inc (ABN 15 000 618 208, AFSL No. 237996). Incorporated with limited liability in Delaware, USA. American Express GlobalTravel Card is issued by American Express Travel Related Services Company, Inc. Incorporated with limited liability in New York, USA. ® Registered trademark of American Express Company
  7. Subject to the Terms and Conditions of the American Express Membership Rewards program available at and David Jones partner Terms and Conditions available at Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program excluding all Supplementary Cards. This includes the David Jones American Express Card and David Jones American Express Platinum Cards. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time

American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.

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