American Express Corporate Gold Card

This corporate card offers 100,000 bonus Membership Rewards points and no pre-set spending limit, with a $105 annual fee and $89 yearly rewards fee.

The American Express Corporate Gold Card gives you a way to manage spending across all areas of your company, with real-time transaction data, customisable limits on employee cards and complimentary travel insurance. If you apply as a new corporate card member by 06 April 2022, enrol in Membership Rewards and spend $10,000 in the first 2 months, you’ll earn 100,000 bonus Membership Rewards points.


Bonus points


Reward points

Per $ spent

$105 p.a.

Annual fee

51 days

Interest free period

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Product NameAmerican Express Corporate Gold Card
Rewards programMembership Rewards Ascent
Purchase rate0% p.a.
Annual fee$105
Interest-free periodUp to 51 days on purchases
Card typeAmerican Express
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • Offers 100,000 bonus Membership Rewards Points
  • No pre-set spending limit and up to 51 days cash flow
  • Complimentary travel insurance


  • American Express is not as widely accepted as Visa or Mastercard
  • There is a $89 annual rewards fee if you choose to enrol in Membership Rewards
Rewards programMembership Rewards Ascent
Bonus points100,000
Rewards points per $ spent1.5
Annual fee$105
Foreign currency conversion fee3%
Number of additional cardholders99

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The American Express Corporate Gold Card is a charge card account suited to larger businesses with annual turnovers of $10 million or more. As well as additional cards for employees, it gives you a choice of liability options for the account integration with the SAP Concur app for expense management. You can also pay almost any merchant or supplier through AccessLine (even if it doesn’t usually accept Amex cards).

How to apply

You can apply for the American Express Corporate Gold Card by selecting the “Speak to a specialist” option on the Amex website. This takes you to a short request form so that an Amex specialist can contact you about your application. Before you get started, make sure you meet the requirements and have all the details you need on hand.

Eligibility criteria

  • New card member. The bonus points offer is only available to companies who don’t have a current American Express Corporate Card or American Express Qantas Corporate Card and haven’t had one in the last 18 months.
  • Business revenue. Your annual business revenue must be at least $10 million.

Card benefits

  • 100,000 bonus points. Apply for the American Express Corporate Gold Card by 06 April 2022 and spend $10,000 in the first 2 months from card approval to get 100,000 bonus Membership Rewards points added to the account. This offer only applies for the first card that is approved for a company, and only if the company has not had any other Amex Corporate Cards in the past 18 months. Note that you need to opt in to the Membership Rewards program, which attracts an $89 annual rewards fee.
  • Membership Rewards. This card earns 1.5 points per $1 on most eligible spending, and 1 point per $1 spent with government bodies (including the ATO). You can also choose to let employees with additional cards earn points. The rewards you can redeem with your points include gift cards, statement credit, as well as shopping with David Jones, PayPal and Ticketmaster. You can also transfer your points to 9 different frequent flyer and loyalty program partners, including Velocity Frequent Flyer and Air New Zealand Airpoints.

Rates and fees

  • Annual fee. The American Express Corporate Gold Card has an annual fee of $105. It also charges an $89 annual fee to enrol in the Membership Rewards program.
  • Spending limit. This card has no pre-set spending limit. Instead, purchases will be approved based on different factors including your current spending patterns, payment history and credit record.

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