Skip to content
American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
Customer ServiceLogin
‌
Key Information
Charge Card
Access a line of unsecured funding with flexible spending power3
Annual Fee
$395 p.a
Cash Flow Period
Up to 55 days to pay for purchases4
Annual Employee Card Fee
Two Employee Cards at no extra cost then $75 p.a. for each Employee Card2

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

2

Points

per $1 spent

with AccessLine®. Subject to approval. Enrolment required.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.

Simplify business payments with AccessLine®9

AccessLine® allows you to use your Card to make domestic payments to businesses, even if they don’t accept Card. You’ll also earn points on every dollar spent. Enrolment required, subject to approval and 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.

          Pay virtually any supplier with AccessLine®9

          AccessLine® allows you to use your Card to make domestic payments to businesses, even if they don’t accept Card. You’ll also earn points on every dollar spent. Enrolment required, subject to approval and T&Cs apply.9

            Connect your Card to leading accounting software24

            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 Pay20

              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.21

                  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.22

                    Manage Your Account with the Amex App23

                    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.

                        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- $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 2 points per $1 spend with AccessLine®. Subject to approval. Enrolment required.5
                                      . 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.10 You can also pay down the balance on your Card using Points for Credit.11

                                          Travel with your Points

                                          Redeem your points directly for flights, accommodation or car rental with Webjet, helloworld12 or the American Express Travel Online booking Service14.

                                            Transfer Points to Partners

                                            Your points can also be transferred to a wide range of partners across Airlines, Hotel & Retail.13.

                                              Redeem Points for Gift Cards

                                              Turn your points into Gift Cards15 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.

                                                  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 a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).

                                                    Hilton Honors Silver Status16

                                                    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.16

                                                      The Hotel Collection17

                                                      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 upgrade17.

                                                        Car Rental Savings

                                                        Enjoy special Hertz19 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.

                                                          Business Gold Plus Card FAQs
                                                          Does the American Express® Business Gold Plus Card come with a pre-set spending limit?
                                                          The Amex Business Gold Plus Card is a Charge Card which comes with flexible spending power, also known as no pre-set spending limit3. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don’t miss any payments.
                                                          How can I get the most value from the Amex Business Gold Plus Card Annual Fee?
                                                          Here are some benefits which could help you maximise the value you get for $395 Annual Fee charged for the Card.

                                                          • Get up to $650 credit back across selected leading business suppliers, including Xero, Google Ads, Meta, Amazon Web Services, Square and Dell Technologies7. (Enrolment required. Offer ends 31/12/2026. T&Cs and exclusions apply.)
                                                          • 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 stay17.
                                                          What are the benefits of using the Amex Business Gold Plus Card?
                                                          The Amex Business Gold Plus Card offers business rewards, travel benefits and cash flow solutions to support your Business. Here are some of the main ones:

                                                          • Cash flow support: Extend your cash flow with up to 55 days to pay for purchases4 and grow your purchasing power over time to meet your Business’ needs with flexible spending power3.
                                                          • Travel benefits: Enjoy complimentary Hilton Honors Silver status16, a US$100 credit to use during your stay in one of The Hotel Collection hotels when you book a minimum two-night stay through American Express Travel Online17, as well as access to the Hertz Gold Plus Rewards® loyalty program19 upon enrolment.
                                                          • Supplier credits: Receive statement credits of up to $650 p.a. with major suppliers7: $100 with Xero, $100 with Google Ads, $100 with Meta, $100 with Amazon Web Services, when you spend $100 in one or more transactions, $100 with Square when you spend $300 or more, and $150 with Dell. (Enrolment required. Offer ends 31/12/2026. T&Cs and exclusions apply.)
                                                          • Rewards: Earn 3 points per $1 spent with Xero, Google Ads, Meta, Amazon Web Services and Dell, 2 points per $1 spent with AccessLine and 1.5 points per $1 spent on everyday business purchases (excluding government bodies, which earn 1 point per $1 spent)5. The earn rate of up to 3 points per $1 is on the first 200,000 points earned per calendar year, with 1 point per $1 spent across all categories thereafter5. You can also transfer your points to wide range of hotel and airline transfer partners13.
                                                          How can I use Amex Membership Rewards® points on the Card?
                                                          Whether it’s on travel, using points to shop online25 or reducing your Account balance, the Amex Membership Rewards Program lets you choose from a wide range of rewards:

                                                          • Use Points for Purchases: You can use your points to pay for eligible purchases on your Card10 or use a combination of points and payment. You can also use your points to pay for your annual fee on selected Cards or to get a credit on your Account11.
                                                          • Use Points to Travel: You can transfer your Membership Rewards points to a wide range of airline and hotel partner programs13; or use your points to book flights, hotels or car rental with Amex Travel Online14.
                                                          • Use Points for Gift Cards: You can redeem your points for Gift Cards15 from leading brands and retailers to reward your employees, your clients or yourself.
                                                          Can I pay for my purchases over time?
                                                          The Amex Business Gold Plus Card comes with Flexible Payment Option. FPO is an existing line of credit feature embedded into your Charge Card, allowing you to free up cash flow. Instead of paying your balance in full each statement period, you can choose to pay off a portion of it (up to your FPO limit) over time (interest charges apply)8.
                                                          How can I pay my suppliers if they don't accept Amex or Card payments?
                                                          You can apply for American Express AccessLine with the Amex Business Gold Plus Card to make domestic payments to virtually any Australian business, even if they don’t take Card payments9. It is an easy-to-use payment portal which allows you to use your Amex Card to pay directly into your supplier’s bank account. Please note that a Trade Service Fee of up to 2.15% applies to all AccessLine transactions (unless we advise you otherwise).

                                                          Need help deciding?

                                                          Our business specialists can help you find a solution that matches your needs.

                                                          Call us at:

                                                          139 323

                                                          Monday to Friday 9:00am to 5:00pm AEST

                                                          Request a Callback

                                                          Other Recommended Cards For You

                                                          Earn 350,000 Bonus Membership Rewards® Points plus an $875 Credit

                                                          The American Express® Platinum Business Card

                                                          when you apply by 3 November 2026, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.

                                                          Receive 150,000 bonus Qantas Points plus $200 in your Qantas Business Rewards Travel Fund

                                                          The American Express® Qantas Business Rewards Card

                                                          when you apply by 10 November 2026, are approved, and spend $6,000 on eligible purchases on your American Express® Qantas Business Rewards Card within 3 months of your approval date. T&Cs apply. Available to new American Express Card Members only.