How You Earn Membership Rewards Points
Up to 3 points per $1 on the first 200,000 points earned per calendar year.5
1 point per $1 spent across all categories5 thereafter, uncapped and with no expiry.6
3
Points
per $1 spent
at Xero, Google Ads, Meta, Amazon Web Services and Dell.5
1.5
Points
per $1 spent
on everyday spend5
1
Point
per $1 spent
on government spend, including the ATO.5
Key Benefits
Receive up to $650 credit back
We’re backing your business with up to $650 back for spend with Xero, Google Ads, Meta, Amazon Web Services, Square and Dell. That means you can get credits back for your accounting, advertising, marketing, cloud services, payments and point of sale and tech costs, each year.7 T&Cs apply.
Enjoy payment flexibility with a Flexible Payment Option8
Seize new business opportunities, free up your cash flow, and navigate fluctuations in revenue by paying off a portion of your balance over time, up to your Flexible Payment Option limit. T&Cs apply.
Flexible Spending Power3
Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit.
All Benefits
How does a Charge Card work?
Unlike a traditional Credit Card with a pre-set spending limit, a Charge Card comes with flexible spending power that can adapt based on your spending patterns and your business’ credit score.3
Charge Cards are designed for businesses that want greater purchasing flexibility, enhanced cash flow management, and the ability to support larger business expenses over time.
Eligible purchases can also be paid over time with our Flexible Payment Option feature. Interest charges apply.
You can read more about Charge Cards here.
Built to support growing businesses - understanding Flexible Spending Power3
Business needs can change quickly - from purchasing inventory and covering operational expenses to investing in new opportunities.
That’s why your American Express Charge Card comes with flexible spending power that can adapt based on your transaction patterns and your business’ credit rating.
As your Business grows and you continue to use your Card responsibly, your purchasing flexibility can grow too.
Read more about Flexible Spending Power here.
Up to 55 Days to pay for purchases4
With up to 55 days to pay for eligible purchases, your Business Gold Plus Card can help your Business manage everyday expenses, navigate changing cash flow needs, and stay ready for new opportunities.
Flexible Payment Option8
Flexible Payment Option (FPO) gives eligible business owners more flexibility in how they manage cash flow.
Instead of paying your full balance each statement period, you can choose to pay eligible purchases over time with interest.
This can help you manage larger business expenses, invest in new opportunities, or navigate changing business needs - while continuing to use your Card for everyday business spend.
Streamline your Financial Reporting23
Link your Card to Xero, QuickBooks Online or MYOB to streamline your business finances. Automatic transaction feeds help reduce manual data entry and make reconciliation faster and easier. Enrolment required.
Xero
With official direct bank feeds, your American Express transactions flow securely into Xero each day, helping you stay up to date and spend less time reconciling.
QuickBooks Online
Connect your Card to automatically sync and categorise expenses. You can also download statements as CSV files for flexible record-keeping.
MYOB
Import your American Express transactions into MYOB using bank feeds (where available) or by uploading statement files. This helps simplify expense tracking and makes reconciliation more efficient. Bank feeds available to eligible American Express Cards. Enrolment required.
Use your Smart Device to Pay19
Leave your wallet at home and use your mobile or wearable device to pay on your linked Card in Apple Pay®, Samsung Pay, or Google Pay™.
Replacement Cards
Virtually anywhere you are in the world, American Express can usually replace you or your employee's lost or stolen Card within 48 hours.20
Fraud Protection
Your Business Gold Plus Card is protected with global fraud detection and unauthorised transaction liability coverage, helping to shield your business from unauthorised transactions on your Account.21
Manage Your Account with the Amex App22
Manage and view activity from your Account, access your benefits, redeem points, and request support from anywhere in the world with the Amex App.
Monitor Employee expenditure
Gain added visibility and control over your business's finances by consolidating key employee expenditure with Employee Cards2 – all while earning points at the same rate as your Primary Card. You’re eligible for two complimentary Employee Cards. Each additional Employee Card has an annual fee of $75.
Your Business Gold Plus Card comes packed with embedded benefits from key merchants including:
Xero- $100 Back
Spend $100 in one or more transactions, online at www.xero.com/au to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
Google Ads- $100 Back
Spend $100 in one or more transactions, online at ads.google.com to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
Meta- $100 Back
Spend $100 in one or more transactions, in-app or online at Meta for Business to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions, and exclusions apply. Benefit ends 31/12/2026.
Amazon Web Services- $100 Back
Spend $100 in one or more transactions, online at aws.amazon.com to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
Square- $100 Back
Spend $300 in one or more transactions, online at Square to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
Dell- Up to $75 Back (Twice Per Year)
Spend online at www.dell.com.au or via phone on 1800 880 855 to receive your purchase amount back as a credit to your account, up to $75 back. Benefit redeemable twice per calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
Be Rewarded with up to 3 Membership Rewards Points per $1 Spent5
You’ll enjoy an accelerated rate of rewards including:
. Earn 3 points per $1 spend at Xero, Google Ads, Meta, Amazon Web Services and Dell5.
. Earn 1.5 points per $1 on everyday spend5.
. Plus earn 1 point per $1 spend on government spend, including the ATO5.
Accelerated earn rates apply on the first 200,000 points earned on the Account in a calendar year, then you will earn 1 point per $1 spend across all categories5, uncapped and with no expiry6.
Help Offset Business Expenses with Points
Use your Membership Rewards points to pay off transactions, including your rent and utilities using Cover Charges with Points.9 You can also pay down the balance on your Card using Points for Credit.10
Travel with your Points
Redeem your points directly for flights, accommodation or car rental with Webjet, helloworld11 or the American Express Travel Online booking Service13.
Transfer Points to Partners
Your points can also be transferred to a wide range of partners across Airlines, Hotel & Retail.12.
Redeem Points for Gift Cards
Turn your points into Gift Cards14 from leading retailers like Apple, Ikea, JB Hi-Fi and more to reward employees, clients or yourself.
More Ways to use Membership Rewards
To find out more ways you can use your Membership Rewards points, visit the Membership Rewards Catalogue. Full options available to your Card can only be seen once logged-in with your Account.
Hilton Honors Silver Status15
Gain status with our partner's loyalty program. Earn points and enjoy benefits at eligible hotels and resorts within the Hilton Portfolio. To enjoy these benefits, enrolment is required.15
The Hotel Collection16
Book a minimum two-night stay with The Hotel Collection through American Express Travel Online and enjoy a US$100 credit to use during your stay. Plus, 12pm check-in, late check-out and a room upgrade upon arrival, all when available. Credit use varies by property. Certain room categories are not eligible for upgrade16.
Enjoy Complimentary Travel Insurance
Receive complimentary Domestic and International Travel Insurance for you, your spouse, and your Employee Card Members when you pay for your return trip with your American Express® Business Gold Plus Card.18
Coverage includes:
- Trip Cancellation and Amendment Cover
- Travel Inconvenience Cover
- Public Transport Accident Cover
- Personal Baggage, Valuables, Money and Travel Documents Cover
- Medical Emergency Expenses Cover
- Personal Accident Cover
Terms, conditions, cover limits and exclusions apply (such as maximum age limits and pre-existing medical condition exclusions).
Car Rental Savings
Enjoy special Hertz18 benefits when you enrol into Hertz Gold Plus Rewards®.
Am I Eligible?
To apply for an American Express® Business Gold Plus Card you need to:
- Be aged 18 years or over
- Be an Australian citizen or permanent resident
- Be a Director or Controller of the business
- Have a good credit history and no payment defaults
- Have an annual business revenue of $75,000 or more
- Have a valid ABN registered for GST
Documentation
Information to have ready:
- Your personal income and your business revenue
- Your driver's licence (if you have one)
- The details of your business' ownership as it appears on ASIC (for the Director and/or Beneficial Owner)
This application takes approximately 10-15 minutes to complete. In the instance we need further information our friendly team will be in touch within 48 hours of receiving your application.
View the full Fee Schedule for the American Express® Business Gold Plus Card.
Important Information
Need help deciding?
Our business specialists can help you find a solution that matches your needs.