American Express

The best American Express business Credit Cards

The best American Express business credit cards

Looking for a new business credit card? 

Want to know what is the best American Express card for small business? 

Interested in what benefits come with some of the American Express cards? 

Pay.com.au can process American Express payments for all your business transactions for a fee of as little as 1.41% after potential tax savings, letting you rake in the rewards points.

Here’s a quick rundown of the top American Express cards on the market that may be worth considering for your business. 

American Express Platinum Business Card

This is the top-shelf offering when it comes to business credit cards in Australia.

Yes, it comes with a fairly high annual fee. 

However, there are an enormous amount of benefits that come with that.

Firstly, this is a charge card so there is no pre-set spending limit, but you do need to pay off your balance for each statement period.

Key benefits include access to over 1200 airport lounges globally including Virgin Australia domestic lounges when flying Virgin Australia, complimentary Accor Plus membership, travel insurance, a complimentary subscription to the Australian Financial Review and a dedicated account manager.

Interest-free period: Up to 55 days

Additional cardholders: No fee for up to 99 employee cards

Points earn rate for payments through pay.com.au: 2.25 Membership Rewards points per $1 spent (points can be converted to one of 10 leading airline partner programs) 

Annual fee: $1750

American Express Qantas Business Rewards Card

If it is Qantas Points you are looking to earn, this card has the highest earn rate of any on the market.

It is a charge card so there is no pre-set spending limit, but you do need to pay off your balance for each statement period.

The points earn rate on everyday spend is 1.25 points per $1 spent, which are automatically credited to your Qantas Frequent Flyer account on a monthly basis. This card is a Qantas Business Rewards direct earn credit card.

Key benefits of the card include:

  • Two complimentary domestic passes to Qantas Club Lounges each year
  • Earn 2 Qantas Points per dollar spent on Qantas products and services,
  • A year’s complimentary access to the Centr fitness app
  • Complimentary Domestic and International travel insurance.

Interest-free period: Up to 51 days

Additional cardholders: No fee for up to 99 employee cards

Points earn rate for payments through pay.com.au: 1.25 Qantas Frequent Flyer Points per $1 spent 

Annual fee: $450

American Express Business Explorer Credit Card

If you are looking for a low annual fee but still a great points earn rate, look no further than this very handy card.

It is a credit card so does have a credit limit, but you can earn 2 Membership Rewards points per $1 spent on all your business purchases. 

Key benefits of the card include two complimentary passes to the American Express Lounge at Sydney or Melbourne International Airport each year, a year’s complimentary access to the Centr fitness app and complimentary travel insurance.

Interest-free period: Up to 55 days

Additional cardholders: No fee for up to 99 employee cards

Points earn rate for payments through pay.com.au: 2 Membership Rewards points per $1 spent (points can be converted to one of eight leading airline partner programs) 

Annual fee: $149

 

American Express Velocity Business Card

If your sole focus is earning a stack of Velocity points, this could be a good card for you. 

It is a charge card so there is no pre-set spending limit, but you do need to pay off your balance for each statement period.

You can earn 1 Velocity point per $1 spent on all your business purchases and points are automatically transferred to your nominated Velocity account each month.

Key benefits of the card include two complimentary single entry passes to the Virgin Australia lounge at selected domestic airports each year, a year’s complimentary access to the Centr fitness app and complimentary travel insurance.

Interest-free period: Up to 51 days

Additional cardholders: $99 per additional card (up to 99 additional cards) 

Points earn rate for payments through pay.com.au: 1 Velocity point per $1 spent

Annual fee: $249

 

Qantas American Express Business Credit Card

For a low annual fee and the ability to earn Qantas Frequent Flyer points at a good rate, this card ticks some boxes.

It is a credit card and has an earn rate of 1 Qantas point per $1 spent on everyday business expenses, with points automatically credited to your Qantas Frequent Flyer account each month.

Key benefits of the card include a year’s complimentary access to the Centr fitness app, travel accident insurance and travel inconvenience cover. 

Interest-free period: Up to 55 days

Additional cardholders: No fee for up to 99 employee cards

Points earn rate for payments through pay.com.au: 1 Qantas point per $1 spent

Annual fee: $160

 

American Express Gold Business Card

One of Amex’s flagship business cards, the Gold card has a solid earn rate and some good added extras.

It is a charge card so there is no pre-set spending limit, but you do need to pay off your balance for each statement period.

The points earn rate is lower than some other cards at 1.5 Membership Rewards points per $1 spent. 

However, it does come with some good benefits like a year’s complimentary access to the Centr fitness app, complimentary insurance for business travel, business trip completion cover, travel cancellation and travel inconvenience insurance and baggage insurance.

Interest-free period: Up to 51 days

Additional cardholders: $119 per additional card (up to 99 additional cards) 

Points earn rate for payments through pay.com.au: 1.5 Membership Rewards points per $1 spent (points can be converted to one of nine leading airline partner programs) 

Annual fee: $169

 

American Express Business Card

This is the lowest-fee American Express business card on offer and therefore comes with few added benefits.

However, it still offers a solid points earn rate at a low cost.

It is a charge card so there is no pre-set spending limit, but you do need to pay off your balance for each statement period.

Like the Gold Business Card, the earn rate is 1.5 Membership Rewards points per $1 spent. 

Key benefits of the card include a year’s complimentary access to the Centr fitness app, travel accident insurance and business trip completion cover.

Interest-free period: Up to 51 days

Additional cardholders: $79 per additional card (up to 99 additional cards) 

Points earn rate for payments through pay.com.au: 1.5 Membership Rewards points per $1 spent (points can be converted to one of nine leading airline partner programs) 

Annual fee: $109