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American Express®
Business Cards

From cash flow management to generous Rewards points, we’re 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

Receive 20,000 Bonus Membership Rewards Points when you spend $1,000 on your new Gold Business Card within 2 months of your approval date. Offer ends 31 December 2021. New American Express Card Members only.  Membership Rewards annual fee applies5

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.