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American Express Gold Business Card

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Earn up to 1.5 Membership Rewards points per $1 spent and enjoy perks such as complimentary travel insurance with this charge card.

The Amex Gold Business offers uncapped rewards, with no pre-set spending limit and up to 99 additional cardholders. This allows the management of all expenses under one account.


Reward points

Per $ spent (American Express)

$169 p.a.

Annual fee

51 days

Interest free period


Product NameAmerican Express Gold Business Card
Rewards programMembership Rewards Ascent
Purchase rate (p.a.)N/A
Annual fee$169 p.a.
Interest free period51 days
Card typeAmerican Express
Foreign currency conversion fee (American Express)3% of transaction value
Complimentary travel insuranceYes
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • Up to 51 days interest-free on purchases with no pre-set spending limit.
  • Earn 1.5 Membership Rewards points / eligible $1 spent when you enrol.
  • Get up to 99 additional cards for employees.


  • Annual fee of $80 to enrol in Membership Rewards
  • Additional employee cards come at the cost of $119 per year
Rewards programMembership Rewards Ascent
Rewards Points per $ spent (AMEX)1.5
Rewards Points per $ Cap (American Express)Uncapped
Annual fee$169 p.a.
Minimum monthly repayment100% of the closing balance outstanding
Foreign currency conversion fee (American Express)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Additional cardholder fee$119
Number of Additional Cardholders99

Expert review

Amy Bradney-George

Review by

Amy is an editor and writer at with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The American Express Gold Business card gives you a way to manage business expenses and earn points through the Membership Rewards Ascent program. You’ll earn 1.5 points per $1 spent on most purchases, or 1 point per $1 spent with government bodies. However, you do need to opt-in to earn Membership Rewards, which comes at a cost of $80 per year.

How to apply

You can apply for the American Express Gold Business card online and could get a response in as little as 30 seconds. Before you click through to the American Express application page, make sure you meet the eligibility requirements and have all your supporting documents and details on hand.

Eligibility criteria

  • Business requirements. You must have an active ABN (Australian Business Number) and your business must be registered for GST. You also need to have an annual business revenue of at least $75,000.
  • Credit history. You must have a good credit history with no payment defaults.

Card benefits

  • Earn Membership Rewards points. When you register for Membership Rewards (enrolment fee of $80 per year) and make an eligible purchase using your Amex Gold Business Card, you will earn 1.5 Membership Rewards points per $1 spent. On spend with Australian government bodies, you will earn 1 point per $1 spent.
  • Redeem rewards with American Express and its partner airlines. The Membership Rewards Ascent program stream offers a wide range of ways for you to use points, including travel bookings, merchandise and gift cards through the Membership Rewards program. You can also transfer your Membership Rewards points to the following frequent flyer programs: Air New Zealand, Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore Airlines KrisFlyer, Thai Royal Orchid Plus, Velocity Frequent Flyer and Virgin Atlantic Flying Club. You can also transfer your points to your hotel loyalty account with Hilton Honors or Marriott Bonvoy.

Rates & fees

  • Annual fee. This card charges an annual fee of $169. Please note that a separate annual rewards fee of $80 applies if you opt into the Membership Rewards program.
  • Additional cardholder fee. While you can request up to 99 additional cardholders for this account, each additional card attracts an annual fee of $119.

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  1. Default Gravatar
    November 30, 2018

    What’s the amount you get for the gold business card?

    • Avatarfinder Customer Care
      December 6, 2018

      Hello Skender,

      Thank you for your comment.

      If you’re referring to the credit limit, please note that it’s based on your credit history, spending patterns and financial resources. That will be set and determined by the issuer.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  2. Default Gravatar
    May 21, 2017

    I have a KrisFlyer frequent flyer account and I was wondering what’s the conversion of 1 Amex rewards point to KrisFlyer miles compared to 1 Citi bank reward point.

    • Avatarfinder Customer Care
      May 21, 2017

      Hi Tom,

      Thanks for your question.

      The conversion rates are as follows:

      1 AMEX Membership Rewards point = 1 KrisFlyer mile

      2 Citi Rewards = 1 KrisFlyer Mile (Prestige and Signature)2.5 Citi Rewards = 1 KrisFlyer Mile (Rewards Platinum)

      For more information on the conversion rates from rewards points to frequent flyer points, you can check this page.


  3. Default Gravatar
    December 30, 2016

    I know I am covered for travel insurance with Gold Amex card but where can I find the details of the policy to see exactly what is covered?

    • Avatarfinder Customer Care
      December 31, 2016

      Hi Ravi,

      Thank you for your enquiry.

      Please click this link for more information about the American Express complimentary travel insurance cover.
      Alternatively, you may also contact ACE Insurance on the contact number indicated on the same link that I provided if you have any more questions about the cover you get with your AMEX Gold card.

      Kind regards,

  4. Default Gravatar
    November 12, 2015

    I know I am covered for travel insurance with gold amex card but where can I find the details of the policy to see exactly what is covered.?

    • Avatarfinder Customer Care
      November 13, 2015

      Hi Susan,

      Thanks for your inquiry.

      Please refer to the link I have forwarded to your email for the full outline of the American Express Gold Business Card insurance policy.


    • Default Gravatar
      January 30, 2016

      Can you provide me with the details of insurance cover for a Gold Card member?

    • Avatarfinder Customer Care
      February 1, 2016

      Hi Edmond,

      Thanks for your question.

      The travel inconvenience cover will cover you for flight delays, missed connections or delayed luggage when you purchase your trip on your card.

      I’ve emailed you a link to the terms and conditions for your perusal.

      I hope this has helped.



  5. Default Gravatar
    February 3, 2015


    I’m wondering if a person who doesn’t have a business can apply for this AMEX gold business card because you state ‘Everyone can now have an AMEX gold business card.’

    I ask this because you also state ‘Please be advised that only sold traders and companies are able to apply for this charge card online. All other businesses have to speak to a specialist who will help them through the process.’

    As I have already bought my airline ticket, if I DO get an AMEX card now will I be given complimentary travel insurance or must the ticket be paid for with the AMEX card to qualify? Thank you. Bev

    • Avatarfinder Customer Care
      February 3, 2015

      Hi Bev, thanks for your inquiry!

      That is correct the AMEX Gold Business requires that “only sold traders and companies are able to apply for this charge card online. All other businesses have to speak to a specialist who will help them through the process.” Also to activate the complimentary travel insurance “Cover is effective when you pay the full fare for a Trip on the American Express Gold Business Card Account or with American Express Membership Rewards points.”

      I hope this helps.



  6. Default Gravatar
    October 28, 2012

    Can you tell me what the 8 airline programs I can transfer my rewards over to & is it a 1 for 1 transfer

    • Avatarfinder Customer Care
      October 29, 2012

      HI Darren. Thanks for your question.
      American Express Rewards frequent travel partners are: Velocity Frequent Flyer (1 Membership Rewards Point for 1 Velocity Point), Air New Zealand (100 Membership Rewards Points for 1 Airpoints dollar), Asia Miles (1 Membership Rewards is equal to 1 Asia Miles), Etihad Airways (1 Membership Reward point is equal to 1 Etihad Guest Miles), Malaysia Airlines (1 Membership Rewards point is equal to 1 Enrich Miles), Singapore Airlines (1 Membership Rewards point is equal to 1 KrisFlyer Mile) & Thai Airways (1 Membership Rewards point is equal to 1 Royal Orchid Plus miles) & Virgin Atlantic (1 Membership Rewards point is equal to 1 Flying Club Mile). Cheers.

  7. Default Gravatar
    May 16, 2012

    Can points earned on this Business Card be re-distributed to other employees?
    Can the points be used for personal expenses?

    • Avatarfinder Customer Care
      April 5, 2013

      Hi Stuart. Thanks for your question and apologies for the delay in getting back to you. If you would like to reward your employees, you can give them the rewards you’ve redeemed with your points, but you can’t give them the points themselves. Say you wanted to give your employees a free return flight as an end of year bonus, you can use the points that have been credited to the main account and book flights in their name, and then send them the vouchers/tickets. The same with all American Express Membership Rewards. You can’t transfer the points to their account / frequent flyer membership, but you can give them the rewards. Jacob.

  8. Default Gravatar
    May 15, 2012

    I would like to apply for a business credit card however, my business has not been running for long, it has started on 8 March. In addition, no funds has been actioned. Am I still able to apply for the card if i don’t have a verification of an tax accountant to state my business is legit?

    • Avatarfinder Customer Care
      April 5, 2013

      Hi Wenny. Thanks for your question. Sorry about the delay in getting this response back to you, but for future reference and if anyone else would like to know, if your business is still in its infant stages, you can fill out the application and list your account’s contact details. American Express will liaise with your account to work through the application and assess you eligibility. Even if your business is still in the beginning stages of start up, you may still be eligible to apply for this card. Hope this helps.

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