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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 Gold Business Card Members who apply by 2 February 2016, are approved and spend $1,000 in the first 2 months of Card Membership. Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Please allow 8 to 10 weeks after the $1,000 spend total has been reached for the 10,000 Membership Rewards Bonus Points to be awarded to the Card account. Offer only valid once. Subject to the Terms and Conditions of the Membership Rewards program. Available at The flight value are valid as of 1 September 2015 and are based on a Virgin Australia domestic one-way flight from Sydney to Gold Coast on an eligible route departing 14 June 2016. This value is for a Economy Reward Flight and includes GST and fees. Based on an average cost per one way flight of $95/9800 Velocity Points. Fares may vary depending on flight dates, availability and times. Subject to the Terms and Conditions of the Membership Rewards program in which you are actively enrolled (an annual fee may apply). Spending at restaurants, airlines and accommodation will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Spend on airlines or accommodation is eligible for the additional points when paid directly to the merchant or through a travel agent. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express Card Member enrolled in Membership Rewards, and your account is kept in good standing and is not overdue. 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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