Earn 100,000 Bonus Membership Rewards® Points1.
The new American Express Gold Rewards Business Card®.
Apply online by 14 December 2026. Min spend $1.5k in 3 months.
T&Cs apply. New Card Members only1.
The new American Express Gold Rewards Business Card®. Apply online by 14 December 2026. Min spend $1.5k in 3 months. T&Cs apply. New Card Members only1.
American Express® Business Card
Earn Membership Rewards points and access valuable tools and resources to help maximise business efficiency. You must enrol in the Membership Rewards programme on your application to earn points; annual Card fee and annual Membership Rewards fee1 apply
| Access a line of unsecured funding with flexible spending power2 | |
| Up to 50 cash flow days3 | |
| Access to Membership Rewards (if enrolled) | |
| Consolidated monthly statement3 | |
| Transport Accident Cover4 |
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
Annual Card fee of $55
Additional Employee Card5 fee of $40 each p.a.
(Optional Membership Rewards programme is $50 per year.)
Coming Soon
American Express® Gold Business Card
Earn 50,000 Membership Rewards® Bonus Points6 when you apply, are approved and spend $1,000 on eligible purchases on your new American Express® Gold Business Card within 2 months of your approval date. New American Express Card Members only. You must enrol in the Membership Rewards programme on your Card application to earn points; annual Card fee and annual Membership Rewards fee apply. T&C’s apply.
| Access a line of unsecured funding with flexible spending power2 | |
| Up to 50 cash flow days3 | |
| Access to Membership Rewards (if enrolled) | |
| Overseas Travel Insurance5 | |
| Travel Accident Cover5 | |
| Employee Cards7 |
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
Annual Card fee of $95
Membership Rewards fee of $50 p.a.
(optional to join the programme)
Additional Employee Card fee of $70 each p.a.
(Optional Membership Rewards programme is $50 per year.)
The American Express Gold Rewards Business Card®
Up to 55 cashflow days5, rewards, and travel benefits.
Welcome Offer
Earn 100,000 Bonus Membership Rewards® Points1 – worth up to $750 Amex Travel2.
When you apply online by 14 December 2026, are approved and spend $1,500 on eligible purchases on your new American Express Gold Rewards Business Card® within the first 3 months. T&Cs apply. New American Express Card Members only1.
- Earn 2 Membership Rewards points per $1 spent on purchases. After a total of 300,000 points is earned in a calendar year, this earn rate will change from 2 to 1 point per $1 spent3.
- Access a line of unsecured funding with flexible spending power4 with a Business Charge Card.
- Up to 55 cash flow days5
- Complimentary Travel Insurance6
Pay for your return trip with your American Express Gold Rewards Business Card®, and you’ll receive complimentary travel insurance6.
Terms, conditions, cover limits and exclusions apply (such as maximum age limits and pre-existing medical condition exclusions). - Card Type: Charge Card
- Annual Fee: $349 p.a
- Employee Card
Annual Fee: $90 p.a7
The American Express® Business Card
Up to 50 cashflow days9 with rewards.
Earn Membership Rewards points and access valuable tools and resources to help maximise business efficiency.
- Earn 1 Membership Rewards points per $1 spent on purchases8. Membership Rewards Programme enrolment required. The American Express® Business Card has a Membership Rewards annual fee of $50 p.a. T&Cs apply.
- Access a line of unsecured funding with flexible spending power4 with a Business Charge Card
- Up to 50 cash flow days9
- Transport Accident Cover10
- Card Type: Charge Card
- Annual Fee: $55 p.a
- Employee Card
Annual Fee: $40 p.a11
Help grow your business with an American Express Card
You can use your Business Card at hundreds of thousands of places, including airlines, hotels, restaurants, local stores and major retailers. Plus, you could earn points as well as saving Amex Offers to your Card to redeem when you make purchases at eligible businesses in NZ and abroad
Help grow your business with an American Express Card
You can use your Business Card at hundreds of thousands of places, including airlines, hotels, restaurants, local stores and major retailers. Plus, you could earn points as well as saving Amex Offers to your Card to redeem when you make purchases at eligible businesses in NZ and abroad
Determine what kind of Business Card suits you
The right Business Card will offer services, rewards and benefits that suit your lifestyle and finances, so investigate your options before you apply.
Determine what kind of Business Card suits you
The right Business Card will offer services, rewards and benefits that suit your lifestyle and finances, so investigate your options before you apply.
Determine Eligibility
Each Business Card has slightly different terms and conditions and eligibility criteria. Once you’ve chosen the Business Card that best suits your needs, check if you’re eligible before you click the ‘Apply’ button.
Determine Eligibility
Each Business Card has slightly different terms and conditions and eligibility criteria. Once you’ve chosen the Business Card that best suits your needs, check if you’re eligible before you click the ‘Apply’ button.
Complete Application
To complete the online application for an American Express Business Card, you’ll need the required documents listed out in the Eligibility page.
Complete Application
To complete the online application for an American Express Business Card, you’ll need the required documents listed out in the Eligibility page.
Receive Card
You'll receive your Card in the mail once it's been approved.
Receive Card
You'll receive your Card in the mail once it's been approved.
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Welcomed at over 100,000 places across NZ* and 170 million places worldwide**We’ve added over 31,000 new places that welcome Amex in New Zealand in 2025***. From suppliers, fuel, groceries, hotels, airlines, major retailers, bills to online purchases and paying subscriptions, earn rewards in the places your business spends the most.
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Add your Card to your Digital WalletUse your eligible American Express Business Card with Apple Pay or Google Pay to pay in-store, online and in-app with your compatible device. Enjoy a secure, convenient way to pay wherever digital wallets are accepted12.
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American Express Membership
Travel
Enjoy complimentary Travel Insurance6 on selected Cards, prestige hotel stays and more.
Terms, conditions, cover limits and exclusions apply (such as maximum age limits and pre-existing medical condition exclusions).
Less admin. Sync with Xero16
Connect your Amex Business Card with Xero and reduce the time spent on bookkeeping. With Card transactions automatically synced, you can reconcile faster, stay organised and keep your attention where it belongs—on your Business. Xero subscription required.
Rewards
Transfer your points to airline partners13 (including Air New Zealand), or use Points for Gift Cards14 or to pay off eligible purchases15. The choice is yours.
Pay virtually any NZ Supplier with RewardPay and earn Points17
Pay virtually all of your NZ suppliers, invoices and tax with Amex — even if they don’t accept Card payments directly and earn points on eligible payment. Fees, terms and conditions and RewardPay enrolment required.
Paying suppliers just got more rewarding.
Global Card support
Amex support is there for you with help. You can call our Customer Service Centre anytime, day or night. Just call the number on the back of your Card.
Quick Q&A about Amex Business Cards
You can earn 2 Membership Rewards point for every $1 spent on the Gold Rewards Business Card. After a total of 300,000 points is earned in a calendar year, this earn rate will change from 2 to 1 point per $1 spent. You can earn 1 Membership Rewards point for every $1 spent on The American Express® Business Card.
American Express Corporate Cards are issued to larger sized businesses, generally with a turnover greater than $10 million. American Express Business Cards have been designed for businesses with a turnover of less than $10 million.
Charges are approved based on your spending pattern and, because your Account is settled in full each month, you will pay no interest.
If you are enrolled, all points earned on Employee Cards will be credited to your Membership Rewards Account.
American Express Business Card
American Express Gold Business Card
American Express Gold Rewards Business Card
1. What is Employee Card Liability?
As of 1st August 2023, the Primary Card Member and the Business will be liable for all charges and fees associated with the Employee Card.
2. What does this mean for the Primary Card Member?
The Primary Card Member will be the sole signatory required to authorize the Employee Card application, enabling a more streamlined process.
3. What does this mean for the Employee Card Member?
The Employee Card Member must continue to comply with the Terms and Conditions of their Employee Card.
4. As the Primary Card Holder, what can I do to ensure the security of my Employee Card/s?
The Primary Card Member will have full visibility over all expenses on their Employee Card/s in a consolidated, real-time view through their Online Account or Amex App.
5. What do I do if there are issues with the charges and/or fees on my Employee Card?
The Primary Card Member and the Business will be liable for all charges and fees incurred on their Employee Cards. The Primary Card holder must continue to pay for all fees and charges as per the statement by the due date.
If any issues arise, please contact the number on the back of your Card for further assistance.
All business purchases appear in one consolidated monthly statement which also displays GST. This makes it easy for you to track your business expenses each month. Employee Card purchases are also included on the same statement, with the spending on each American Express Card detailed and subtotalled.
American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 4 August 2026 and is subject to change. This offer is only available to those who reside in New Zealand. Cards are offered, issued and administered by American Express International (NZ), Inc.
1. Bonus & Eligibility. Offer only available to new American Express Card Members who apply online by 14 December 2026, are approved and spend $1,500 or more on eligible purchases on their new Card in the first 3 months from Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any other Card product offered by American Express International (NZ), Inc in the preceding 18 month period are ineligible for this offer. 100,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. The American Express Gold Rewards Business Card® has an annual fee of $349. Offer subject to change without notice. Subject to the Terms and Conditions of the Membership Rewards Programme available at https://www.americanexpress.com/en-nz/benefits/rewards/membership-rewards/#t&cs
2. American Express Travel Online. To earn or redeem Membership Rewards points, Cards must be enrolled in the American Express Membership Rewards programme, and your Card Account must be in good standing. To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards programme. For full Terms and Conditions please visit the Membership Rewards website.
3. Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-nz/rewards/membershiprewards/terms Once you have earned a total of 300,000 Membership Rewards points on your Card Account in a calendar year, your earn rate of 2 points per $1 spent will change to 1 point per $1 spent on purchases. The points threshold is based on eligible Membership Rewards points earned during a calendar year and will be reset on 1 January each year. Membership Rewards points earned by all Card Members on a Card Account contribute to the 300,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
4. Flexible Spending Power. Unless we tell you otherwise, your American Express Charge 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.
5. Extend your cash flow by up to 55 days. 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.
6. Complimentary Travel Insurance. American Express Gold Rewards 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 Gold Rewards Business Card 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 http://americanexpress.co.nz/gold-business-insurance and consider the appropriateness of that insurance in relation to your individual requirements.
7. Employee Cards. 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 Primary Card Member and the Business will be liable for all charges and fees associated with the Employee Card. Each employee is entitled to only one (1) Employee Card. All Employee Card Members will receive the standard recycled plastic Card.
8. Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-nz/rewards/membership-rewards/terms. 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.
9. Extend your cash flow by up to 50 days. 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.
10. Insurance. For full details of the insurance cover, including terms, conditions and exclusions, please refer to the Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.
11. Employee Cards. 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 Primary Card Member and the Business will be liable for all charges and fees associated with the Employee Card. Each employee is entitled to only one (1) Employee Card. All Employee Card Members will receive the standard recycled plastic Card.
12. Digital Wallets. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.
Google Pay is a trademark of Google LLC.
13. Airline and Hotel Transfer Partners. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.
14. Gift Cards. 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 details.
15. Cover Charges with Points. 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 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 Primary Card Members enrolled in the New Zealand Membership Rewards programme and is subject to the full Membership Rewards Terms and Conditions.
16. Xero. 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.
17. RewardPay. RewardPay enrolment is required. RewardPay fees apply. Please visit rewardpay.co.nz for current fees and terms. Eligible payments made through RewardPay using an American Express Gold Rewards 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.
*Data based on acceptance locations as of Dec 2025. Locations in force represent proprietary and partner acquired merchant locations where the merchant is enabled to accept American Express. LIF estimates incorporate data provided to us by certain third parties.
**Locations estimate as of December 2025, which reflects an estimated 37 million merchants that accept American Express in China (including through digital wallets). LIF represents proprietary and partner acquired merchant locations where the merchant is enabled to accept American Express. LIF estimates incorporate data provided to us by certain third parties and include merchants that accept American Express through payment facilitators and digital wallets.
***Based on American Express Merchant locations setup in New Zealand between January 2025 and December 2025, including through payment facilitators.
The American Express Business Card programmes offer options to help you optimise your cash flow to grow your business, and receive generous Membership Rewards® points. Amex is here to help you do business better
Learn more about Business Cards
Get rewarded
for business spend
No pre-set spending limit1
Access to Membership Rewards2
(enrolment optional)
Employee Cards6
Consolidated monthly statement
Transport Accident Cover4
Maximise cash flow
and business travel
Earn 20,000 Membership Rewards® Bonus Points when you apply by 11 July 2023 and spend $1,000 on eligible purchases on your new American Express® Gold Business Card within 2 months of your approval date. New American Express Card Members only. You must enroll in the Membership Rewards programme on your Card application to earn points; annual Card fee and annual Membership Rewards fee apply5.
Up to 50 days additional cash flow3
Access to Membership Rewards2
(enrolment optional)
Overseas Travel Insurance4
Business Trip Completion Cover4
Transport Accident Card Account Waiver4
No pre-set spending limit1
Employee Cards6
Consolidated monthly statement
Cards built around how you do business
Whether you’re looking for the convenient purchasing power that comes with no pre-set spending limit1,
or want to be rewarded for frequent business travel, we have a Card that’s right for you.
Do you have access to Membership Rewards with a Business Card?
When you are approved for an American Express Business Card you will have the choice to join the Membership Rewards programme. You can earn 1 Membership Rewards point for every $1 spent on your Card2.
What is the difference between a Business and a Corporate Card?
Corporate Cards are issued to larger sized businesses, generally with revenues of several million dollars. Business Cards are more widely available and applicable to companies of all sizes.
How can 50 days’ additional cash flow help your business?
Making purchases with your American Express Gold Business Card allows you to extend your cash flow by up to 50 days3, and gives you some breathing space to pay your bill.
What are the guidelines around no pre-set spending limit?
Our Business Cards do not restrict you with a pre-set spending limit. Charges are approved based on your spending pattern and, because your Account is settled in full each month, you will pay no interest.
How do you apply for Employee Cards?
Simply download and fill out our application form. All points earned on Employee Cards6 will be credited to your Membership Rewards Account.
Download form for the American Express Business Card
Download form for the American Express Gold Business Card
Can you view all your Cards on one statement?
All business purchases appear in one consolidated monthly statement which also displays GST. This makes it easy for you to track your business expenses each month. Employee Card6 purchases are also included on the same statement, with each Card’s spending detailed and subtotalled.
Are you a small business owner?
Tens of thousands of Merchants in New Zealand are accepting American Express from their customers.
1. 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. Visit americanexpress.co.nz/fees for more information.
2. An annual Membership Rewards fee of $50 applies.
3. 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.
4. For full details of the insurance cover, including terms, conditions and exclusions, please refer to the Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.
5. Offer only available to new American Express Card Members who apply by 11 July 2023, are approved and spend $1,000 on eligible purchases on their new Card in the first two (2) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any other Card product issued by American Express International (NZ) Inc in the preceding 18-month period are ineligible for this offer. 20,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Subject to the Terms and Conditions of the Membership Rewards Programme available at americanexpress.com/en-nz/rewards/membership-rewards/terms. The American Express Gold Business Card has a standard annual fee of $95 and an annual Membership Rewards fee of $50.
6. American Express approval criteria apply. Subject to Terms and Conditions. This offer is only available to those who reside in New Zealand. Employee Card Members must be over 18 years of age. The Employee Card Member is jointly and severally liable with the Primary Business Card Member and the Business for all charges made on the Employee Card.