VISA

The best VISA business credit cards

The best VISA business credit cards

Looking for a new business credit card? 

Want to know what is the best VISA for small business? 

Pay.com.au can process VISA payments for all your business transactions for a fee of as little as 0.65% after potential tax savings, letting you rake in the rewards points.

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

ANZ Business Black 

For a card that has a high points earn rate, a low annual fee and a solid range of included insurances, the ANZ Business Black VISA is an enticing option for a lot of businesses. 

It comes with a minimum credit limit of only $10,000 and has an added bonus of having no additional cardholder fee for an unlimited number of cards. 

Points are earned in the ANZ Rewards program and can then be transferred to one of five partner airline programs.

These are Qantas Frequent Flyer, Air New Zealand’s Airpoints program, Cathay Pacific’s Asia Miles program, Singapore Airlines KrisFlyer and Velocity.

The transfer rates vary, but Velocity has the best rate of 2000 ANZ Rewards points to 1000 Velocity points.

Other key benefits of the card include a global business concierge service, unauthorised transactions insurance, international travel insurance and transit accident insurance.

Interest-free period: Up to 55 days

Additional cardholders: Unlimited, at $0 each

Points earn rate for payments through pay.com.au: 1.5 ANZ Rewards point per $1 spent on the first $10,000 per statement period, then 1 ANZ Rewards point per $1 spent on purchases above $10,000 per statement period (points can be converted to one of five leading airline partner programs) 

Annual fee: $300 (plus $75 rewards fee per card, per year)

NAB Qantas Business Signature Card

If you are exclusively looking to earn Qantas points and are not planning on having many or any additional cardholders, this card from NAB could be worth considering.

It is a credit card with a minimum credit limit of only $5000 and has a solid Qantas points earn rate.

The card earns 1 Qantas Frequent Flyer point for every $1.50 spent on business payments through pay.com.au, which equates to 0.66 points per $1 as a compassion to other cards.

These points are automatically credited to your Qantas Frequent Flyer account each month.

Multiple cards can be added on the same account, each with their own individual credit limits.

Access to a global concierge service is also provided. 

Interest-free period: Up to 44 days

Additional cardholders: Up to 1000, with an annual fee of $295 each card

Points earn rate for payments through pay.com.au: 1 Qantas point per $1.50 spent (equal to 0.66 Qantas points per $1 spent)

Annual fee: $295

NAB Rewards Business Signature Card

If you want to earn points for airlines other than Qantas and enjoy a lower annual fee than the NAB Qantas Business Signature Card, this card could be a good fit for your business.

It is a credit card with a minimum credit limit of only $5000 and a competitive annual fee of $175.

The card earns 1.25 NAB Rewards points for every $1 spent on business payments through pay.com.au.

NAB Rewards points can be transferred to Air New Zealand’s Airpoints program, Cathay Pacific’s Asia Miles program, Singapore Airlines KrisFlyer and Velocity.

The transfer rates vary, with 3000 NAB Rewards points converting to 1500 Velocity points but only 1000 Singapore Airlines KrisFlyer points.

This gives you an effective earn rate of 0.625 Velocity points per $1 spent or 0.42 KrisFlyer points per $1 spent.

NAB Rewards points expire three years after they are earned, however you can prolong the life of points by transferring them to a partner airline within that window. 

Multiple cards can be added on the same account, each with their own individual credit limits.

Access to a global concierge service is also provided. 

Interest-free period: Up to 44 days

Additional cardholders: Up to 1000, with an annual fee of $175 each card

Points earn rate for payments through pay.com.au: 1.25 NAB Rewards points per $1 spent Annual fee: $175