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American Express Gold Business Card

American Express Gold Business Card

Purchase Rate
- %

Cash Advance Rate -
Interest Free Up to 51 days
Annual Fee$169

  • New American Express Card Members who apply for the Gold Business Card before 2 February 2016, are approved and spend $1,000 in the first 2 months of Card Membership will receive 10,000 Membership Rewards points1. That’s enough for a one way flight from Sydney to Gold Coast.
  • Earn up to 1 Membership Rewards point per $1 spent
  • Extend your cash flow up to 51 days.
  • Receive monthly statements that provide a detailed, itemised list of business expenses.
  • Cards are Chip, PIN and Contactless enabled providing enhanced security, speed and convenience when making a purchase.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Join the Membership Rewards Ascent program, earning you more points, which you can redeem for a range of exciting rewards.
  • Earn 1 Membership Rewards point per dollar spent on all other purchases excluding utilities, insurance (except those issued by American Express) and government bodies in Australia where you earn 0.5 Membership Rewards points per dollar spent.
  • Your Membership Rewards points are not capped and they don't expire, so you can enjoy more points for longer.
  • Transfer points to any of our 9 airline rewards partners and 2 leading frequent guest partner programs.
Rewards Points per Dollar 1 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $13500 Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Annual Fee $169 Minimum Repayment Greater of 100% or $-
Annual Fee First Year $169 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $20
Supplementary Card Fee $119    
Duplicate Statement Fee $7 Overseas ATM Balance Fee
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee
Over Limit Fee $0 Overseas Emergency Card Replacement Fee

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Offer only available to new American Express Card Members who apply by 31 January 2018, are approved and spend $5,000 on their new Card in the first 2 months from the Card approval date. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer (cards issued by: Australia New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Australia Bank, Westpac Banking Corporation. 120,000 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 program available at Subject to the Terms and Conditions of the Membership Rewards program available at You will earn 0.5 Membership Rewards point per $1 spent at participating merchants classified as “utilities” including gas, water and electricity providers; “government” including the Australian Taxation Office, the Australian Postal Corporation, Federal/State and Local Government bodies; and “insurance” excluding insurances offered by American Express. Exceptions may apply if an individual merchant does not accept American Express as a form of payment. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program. 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. The GST breakdown on statements generally meets the information requirements of the relevant legislative instruments outlined in your Card Member agreement. In circumstances where transactions are categorised as mixed supplies or no GST breakdown has been provided, you are advised to obtain a Tax Invoice or Adjustment Note to support your GST input tax claims. It is advised to consult your accountant or tax advisor to assess the accuracy of your GST input tax claims. American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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