Explore your American Express®
Business Card benefits
Designed for business owners who value exceptional service and rewards, it provides business spending tools, Membership Rewards® points on eligible spend and a range of valuable business benefits.
Pay for business expenses on your Card and you’ll earn 1 Membership Rewards point for every $1 spent if you are enrolled in our Membership Rewards programme.1 There's no expiry or cap to the number of Membership Rewards® points you can earn, as long as your Account is current and in good standing. When you consider the points earning potential, it makes a lot of sense to use your Amex Card for all your business spend.
Use the points your Business has earned when making transactions on your Card to help pay down the balance on your Card.2
Membership Rewards gives you the freedom to use points to cover almost anything you’ve purchased on your Card. Redeem and get a credit on your Account within 72 hours.3
| Whether you're travelling for business in New Zealand or overseas, MembershipRewards® gives you a range of ways to use points for travel. Amex Travel Book flights, hotels and more through Amex Travel using points, with no blackout dates or booking fees.4 Webjet Use points to book flights with more than 30 airlines, or combine points with your Card to pay.5 |
helloworld Prefer to book in person? Use points to pay for part or all of your trip through a participating helloworld travel agent.6 Airline and hotel partners Transfer points to participating airline and hotel loyalty programmes and enjoy even more ways to travel.7 View our transfer partners. |
Redeem Membership Rewards points for Gift Cards from leading brands and retailers.8
1. Annual Card fee and annual Membership Rewards fee apply. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-nz/benefits/rewards/membership-rewards/#t&cs. 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. Points may be redeemed by the 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 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.
3. Points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required for any Use Points for Your Charges transaction. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 72 hours to appear online. Credits processed after the Card Account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. Use Points for Charges is not available for redemption by Corporate Cards, Allied Liquor and Tasman Liquor American Express Gold Business Cards, and is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge for Use Points for Your Charges (“Eligible Charge”) and the Points required to pay for the Eligible Charge. Each Eligible Charge must: (a) appear within the first 150 transactions of the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card Account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Use Points for Your Charges transactions can only be completed online. Use Points for Your Charges is available only to Basic Card Members enrolled in the New Zealand Membership Rewards programme and is subject to the full Membership Rewards Terms and Conditions.
4. You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be booked for any person, provided all your accounts are kept in good standing and are not overdue. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking terms and conditions.
5. Partner terms and conditions apply. Available to New Zealand enrolees who reside in New Zealand only. Enrolment in the New Zealand American Express Membership Rewards programme is required. A fee may apply. Flights are subject to availability. American Express accepts no responsibility for any information passed by you to Webjet. A minimum of 10,000 points must be redeemed at any one time. If using 'Points + Pay' the pay amount will be automatically billed to your Card Account and will appear on the first billing statement following redemption. Copyright Webjet Marketing Pty. Ltd. ACN. 063 430 848, ABN.8406 3430 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282.
6. Points are only redeemable in store. A minimum of 10,000 points must be redeemed at any one time. Subject to the Terms and Conditions of the American Express Membership Rewards programme.
7. To transfer Membership Rewards points into an airline partner programme or a frequent guest partner programme, you must be a member of the partner programme. Membership of the partner programme is the Card Member's responsibility and is subject to the terms and conditions of the applicable programme. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit here for details.
8. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for detail.
Pay invoices with your Amex Business Card and extend your cash flow by up to 50 days.1
Gain greater transparency over your business spend and simplify employee expense management by adding Employee Cards to your Account.2 Employee Card fee of $40 p.a. per Card.
Unless we tell you otherwise, your Amex Business Card comes with flexible spending power, also known as no pre-set spending limit. 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, make regular transactions and don’t miss any payments.
Connect your Amex Business Card with Xero using secure API integration. Automatically sync Card transactions, simplify reconciliation and spend less time managing expenses—so you can focus on growing your Business. Xero subscription required.3
Our RewardPay partnership allows you to pay virtually any New Zealand supplier with your Amex Business Card—even if they don't accept Card payments directly. From supplier invoices to everyday business expenses, you can put spending on your Card and earn Membership Rewards points on eligible payments. Fees, terms and conditions apply and RewardPay enrolment required.4
1. Depending on when you make a purchase, when your statement is issued, and whether you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, please refer to your monthly statements to confirm the date that direct debit will be processed. If the debit date falls on a weekend or public holiday, it will be processed on the next business day.
2. American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in New Zealand. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
3. Eligible Card Members can connect their American Express Card issued by American Express New Zealand via secure API with Xero. User must be a Xero subscriber, have an American Express Online Account, and the Card must be active and in good standing.
4. RewardPay enrolment is required. RewardPay fees apply. Please visit rewardpay.co.nz for current fees and terms. Eligible payments made through RewardPay using an Amex Business Card may earn Membership Rewards points in accordance with the Membership Rewards Terms and Conditions.| RewardPay is operated by RewardPay Pty Ltd. American Express is not responsible for the products or services provided by RewardPay. Payments made through RewardPay are subject to RewardPay's terms, conditions and eligibility requirements.
Get set up to make the most of your Card Membership
We've laid out these steps so you can get straight down to business and activate your Gold Business Card, and its rewards and benefits.
Activate Card
Activate your American Express® Card now in the Amex App or online.
Go to your Online Account
Set up your Digital Wallet
Add your Card to your eligible Digital Wallet for secure, convenient transactions on every day and business spend.
Download Amex App
Manage your Account in the palm of your hand so you can do business on the go.
Pay for your return trip with your American Express Business Card and you’ll enjoy complimentary Transport Accident Cover.1 Terms, conditions, cover limits and exclusions apply (such as maximum age limits and pre-existing medical condition exclusions).
Our Fraud Protection Guarantee means you won’t pay for unauthorised spending on your Account. Whether your Card is lost or stolen, or your details have somehow gotten into the wrong hands, we'll do what it takes to minimise any problems, such as crediting your Account or organising a replacement Card immediately.2
Taking care of Card Members is our number one priority. If your Card is lost or stolen we'll be here when you need us 24/7. It’s the extra peace of mind you need when you’re travelling, knowing help is just a phone call away. Call our Customer Service Centre on 0800 656 660, or +64 9 583 8300.
1. American Express Business Card Insurances are underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) (Chubb) and are subject to the terms, conditions and exclusions (including age restrictions) contained in the American Express Business Insurances policy of insurance between American Express International (NZ), Inc. (Company No. 867929) (American Express) and Chubb. This communication does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions which can be found at americanexpress.co.nz/business-insurance and consider the appropriateness of that insurance in relation to your individual requirements.
2. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
Opens the door to unforgettable experiences. Access Presale tickets, reserved seating offers and money-can’t-buy invites.
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