Business Credit Card or Personal: Which is right for your small business?
Let’s explore what makes them different and how to choose the right option for your needs.
What are the key differences between Business Cards and Personal Cards?
American Express® Personal Cards
- Tend to work best for personal use only, or for businesses that are side hustles, hobbies, or fledgling sole proprietorships
- Do not need an Australian Business Number to qualify
- Card account holder is personally liable for debts and defaults
- Can earn rewards in personal categories such as grocery and department stores1 if enrolled
American Express® Business Cards
- Tend to work best for established small-to-midsized businesses (for large businesses or corporations, consider a Corporate Card)
- Need an Australian Business Number (ABN) to qualify
- The Business entity and Card Member are liable for debts and defaults
- Can earn rewards in business categories such as travel or government1 if enrolled
- May have more spending power to reflect how businesses spend
- More likely to have business-specific features such as expense reporting or integration with business financial software
The bottom line
If you’re only planning to make personal purchases or do not have an ABN, you might consider a Personal Card. For established small-to-midsized businesses, a Business Card can help manage cash flow and expenses. If you want to keep your business and personal finances separate while maximising your potential to earn rewards, you might consider a combination of American Express Business and Personal Cards.
What are you looking for in a Business or Personal Card?
Want to earn rewards for personal shopping? Optimise business cash flow? Work or play overseas? Whatever you want in a Card, American Express has options that can help meet your needs.
Rewards Cards
Almost all American Express Cards offer rewards.1 If you’re looking for rewards for business spending or want to use rewards to help offset business expenses, consider a Business Card. If you’re making personal purchases, a Personal Card can help you earn rewards in some of your favourite spending categories.
Personal Card Recommendation:
The American Express® Platinum Edge
Credit Card
Reward your personal Card spending with 3 points per $1 spent at major supermarkets and petrol stations,2 plus enjoy complimentary domestic and international Travel Insurance.3 Exclusions, terms and conditions apply (including age limits).
ANNUAL FEE:
$0 for first year, $195 thereafter4
Business Card Recommendation:
American Express® Platinum Business
Credit Card
Earn 2.25 Membership Rewards® points per $1 spent (excluding government spending, for which you’ll earn 1 point) 5, and enjoy premium travel perks including access to 1,400+ airport lounges worldwide.6
ANNUAL FEE:
$1,750
Low-Fee Cards
For people getting their first Credit or Charge Card for personal use, a low-fee Card can be a great entry point. These Cards often have simpler rewards structures and fewer perks than Cards with a higher annual fee, but can make sense for those who don’t spend as much on their Cards or need as many perks. The same goes for low-fee Business Cards: while they may not offer quite as much in terms of rewards and benefits, they can be a solid choice for businesses that are just starting out or need to build credit.
Personal Card Recommendation:
The Low Rate Credit Card from American EXpress®
Take advantage of no annual fee, while enjoying our low interest rate of 10.99% on purchases7. Shop with confidence thanks to Card Refund and Purchase Cover when you make an eligible purchases8 and get up to 4 Additional Cards to share the benefits of Membership with family or friends at no extra fee.20
ANNUAL FEE:
$0
Business Card Recommendation:
American Express Business Explorer®
Credit Card
For just $149 annually, businesses can enjoy up to 55 interest-free days9 to pay for purchases while earning 2 Membership Rewards® points per $1 spent excluding government spending, for which they’ll earn 1 point.5
ANNUAL FEE:
$149
Travel Cards
Travel Cards can prove valuable for businesses and individuals alike. Both Business Travel Cards and Personal Travel Cards might earn accelerated rewards for travel-related purchases and offer travel perks such as airport lounge access. Some Travel Cards are offered in conjunction with an airline and offer rewards and perks specific to that airline—a great option if there’s an airline you frequently fly with.
Personal Card Recommendation:
The American Express Explorer®
Credit Card
See what the world has to offer with up to $400 to spend on travel each Membership year10, two annual entries to the Amex Airport Lounge11, and complimentary domestic and international Travel Insurance.12 Exclusions, terms and conditions apply (including age limits). Plus, earn up to 2 Membership Rewards® points per $1 spent on purchases.5
ANNUAL FEE:
$395
Business Card Recommendation:
American Express® Qantas Business
Rewards Card
Qantas loyalists can earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 points per $1 spent on everyday spend, and 0.5 points per $1 on government spend13—plus kick back with two complimentary domestic Qantas Club lounge passes per year.14
After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent19. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.
ANNUAL FEE:
$450
Cash Flow Cards
“Cash flow” is primarily a business term referring to the amount of money earned versus the money spent on expenses during a specific time period. Both businesses and individuals can benefit from a strong cash-flow position to help make purchases, weather emergencies, and invest in growth. Credit and Charge Cards can help with cash flow by giving Card Members more time to pay so they can keep more cash on hand. Depending on the Card you choose, you can enjoy up to 51, 55 or even 110 days to pay for purchases (as long as your Account is paid off in full each month).15
Personal Card Recommendation:
The Low Rate Credit Card from
American Express®
Help manage your personal cash flow with up to 55 interest-free days to pay for purchases.9 You’ll also pay no annual fee and enjoy a low interest rate of 8.99% p.a. on purchases.16
ANNUAL FEE:
$0
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Frequently asked questions
There are several differences between American Express® Business Cards and Personal Cards. Factors like rewards, bonuses and credit limits are important to keep in mind.
A couple of key differences:
- Rewards and Bonuses. Personal and Business Cards might offer rewards for expenses that fall under certain categories — like travel or Government. There is some overlap, but each Card type can also have its own exclusive perks. Some cards may also come with welcome offers for new Card Members.
- Business tools. A Business Card may come with tools that can help you manage your company more effectively. The ability to integrate payment processing with your existing accounting software, for example, could save you some money.
It depends. Every person’s situation is slightly different, so what is best for you might not be best for someone else. You may receive rewards for business-related purchases and have more spending power than with a Personal Card. You’ll need an Australian Business Number to apply for this Card; if you don’t have one you won’t be able to qualify.
If you make frequent purchases for your small business, a Business Card could be a good choice for you. If your business is only a side hobby and not your primary source of income, or you want rewards on everyday purchases, such as grocery shopping, you might find more value in a Personal Card. You do not need an Australian Business Number to be eligible.
Having an Amex Business Card can impact your personal credit score. When you first apply for a Business Card, it is likely you will receive an inquiry on your credit report. An inquiry is simply a request to check your credit.
After you’re approved, Card issuers will typically report your Business Credit Card activity to a commercial credit bureau, not a consumer credit bureau. Consumer credit bureaus—Experian, for example—are where Personal Card activity would be reported.
However, if you default on a Business Card payment or are severely delinquent, this could impact your personal credit score as your Card issuer will likely report it to both bureau types.
Your business and personal credit limits are separate. The processes American Express has for determining approval and Credit Card limits are different for each Card type.
When you fill out your Business Card application, you’ll need to come prepared with information about you and your company, such as annual revenue amounts. On a Personal Card application, the lender is looking for information about you, like your tax file number.
When you apply for a Business Credit Card, American Express will consider your personal income, business revenue and credit score, among other factors, to determine your limit. When you apply for a Personal Card, they will consider your personal income and credit score, among other factors.
Business Card and Personal Card balances may not be merged into one. However, your Business Card activity can affect your personal credit score if you default on your payments.
A Personal Credit Card is attached to you, so you will be liable for all purchases made on your account. This means if you accrue debt or fall behind on your payments, you are responsible. Late payments could send your account to collections, which will impact your credit score.
A Business Credit Card is attached to your company, but the Business entity and Card Member can both be liable for debts and defaults. So, your personal credit score could still take a hit if you default on your payments.
If you decide to use a Personal Credit Card for business, you personally (not your Business entity) are liable for all purchases and payments owed on your personal account.
American Express Consumer Credit Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313._American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as of 30 January 2023, and are subject to change. Applicants must be 18 years of age or over to apply. They must be an Australian Citizen or permanent resident or hold a long-term visa.
1. Membership Rewards Program
Subject to the Terms and Conditions of the Membership Rewards program available here. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type and is subject to the approval of American Express.
2. Platinum Edge Membership Rewards
Subject to the Terms and Conditions of the Membership Rewards program available here. The following merchants have been classified as major supermarkets: Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Woolworths. The following merchants have been classified as major petrol stations: Ampol, BP, Caltex Woolworths, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven. Exceptions may apply if an individual merchant trading as one of the above-named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia. Certain transactions will earn 2 points per dollar spent, including the use of foreign currency overseas and overseas online payments. Additional points for major supermarkets, petrol stations and foreign currency may not 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 a major supermarket processed through a payment aggregator may not earn the additional points.
3. Platinum Edge Card Insurance
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Edge Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Edge Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
4. Annual fee amounts
Offer only available to new American Express Card Members who apply online and are approved. The American Express® Platinum Edge Credit Card will have a $0 introductory annual Card fee for the first year of Card Membership. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for this offer. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
5. Platinum and Explorer Membership Rewards
Subject to the Terms and Conditions of the Membership Rewards program available here. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express. 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.
6. The American Express Global Lounge Collection: The Centurion® Lounge
Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Card Members may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age can access the lounge free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. Guest access policies may vary internationally by location and are subject to change. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. The Centurion Lounge is a day of departure lounge. Platinum Card Members who have landed will not be able to access the lounge. Card Members with layovers or connecting flights who produce proof can access the lounge. Platinum Card Members cannot access The Centurion Lounge more than 3 hours before the scheduled departure time on their same day, confirmed boarding pass. This does not apply to Card Members with a connecting flight. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you authorise our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. International American Express Lounges. Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. To access American Express Lounges, the Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Platinum Card Member must be 21 years of age to enter a lounge with a self-service bar, unless you are accompanied by a parent or legal guardian. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.
7. Interest Rate.
This interest rate does not apply for Cash Advances and associated fees.
8. Card Refund and Purchase Cover.
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Low Rate Credit Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Low Rate Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
9. Up to 55 days interest-free
The Credit Card gives you up to 55 days interest free on purchases, depending upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your Account from your previous statement period. There are no interest free days on Cash Advances or for any purchases when you are carrying forward a balance on your account from the previous statement period.
10. Travel Credit
American Express Explorer® Credit Card Members are eligible for one Travel Credit of $400 per year. Subject to Travel Credit terms and conditions, to redeem the Travel Credit, you must have paid the annual fee and minimum payment by the due date. The Travel Credit can be redeemed for any eligible travel booked and paid online through American Express Travel in a single booking. For bookings less than $400 any unused portion of the Travel Credit will be forfeited. Eligible travel includes Flight, Hotel, Car Hire and may not be used towards Cruises. The Travel Credit can be used for 365 days from the anniversary date and cannot be carried forward to any subsequent year. Your Travel Credit for that year will be forfeited if you cancel your booking, subject to supplier’s terms and conditions plus applicable fees.
11. American Express Lounge
Entry into The American Express Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer® Credit Card Members are entitled to a total of two (2) entries into the American Express Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
12. Explorer Card Insurance
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Explorer Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Explorer Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
13. Qantas Business Rewards Members
A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. 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. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions.
From 10 January 2024, once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
14. Qantas Frequent Flyer Members
Provided you are a Qantas Frequent Flyer member and have registered your Qantas Frequent Flyer number with your American Express Qantas Business Rewards Card, you are eligible to receive two Qantas Club lounge invitations each anniversary year of your Card Membership once you make an Eligible Qantas Purchase on your American Express Card during that year. Eligible Qantas Purchases are Qantas passenger airfares with a QF flight number purchased directly from Qantas Australia by you (or on your behalf by a travel agent) that appear on your Card statement, Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership, joining or annual fees. Excludes purchases from Jetstar. Within 1-2 weeks of the Eligible Qantas Purchase, two Qantas Club lounge invitations will be assigned to your Qantas Frequent Flyer account. Visit the Complimentary Invitations Portal to access your invitation,, link it with an eligible Qantas flight booking or find out more information. Qantas Club lounge Invitations are valid for a single visit by one guest to a Qantas Club lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class lounges, the Qantas Chairman’s lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your American Express Qantas Business Rewards Card account is not in good standing, if the Eligible Qantas Purchase is refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions or the Qantas Club lounge Access Terms and Conditions.
15. Extend your cash flow by up to 55 days:
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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
16. Interest Rate
This interest rate does not apply for Cash Advances and associated fees.
17. No pre-set spending limit
No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.
18. Extend your cash flow
Extend your cash flow by up to 110 days: Depending on your method of payment, 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. If you pay by direct debit, your payment will be processed 10 days prior to your due date.
19. From 10 January 2024, once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
20. Additional Card Members.
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.