Looking for better ways to incorporate a business card into your company's finances? Here's how it can benefit you and your accounting team.
Sponsored by the American Express Qantas Business Rewards Card. Receive 150,000 bonus Qantas Points when you apply by 06 October 2026 and spend $6,000 on eligible purchases within the first 3 months. Available only to new American Express Card Members. T&Cs apply.
Business cards can be handy tools for just about any small business.
But if you haven't already signed up for one, you might be wondering how they can integrate with your company.
Let's take a look at some of the key ways they can help on a day-to-day basis.
đź‘‹ Hey there! We've partnered with American Express for this article. So we'll be using the American Express Qantas Business Rewards Card as an example throughout. However, you should always do your own research. Make sure to read the product T&Cs before you sign up for any financial product.
1. Offsetting company costs with card rewards
There are a range of different ways for businesses to offset their day-to-day costs.
Tax breaks, negotiating with suppliers and trade exchanges can all be effective options.
But with a business card, you've got a way to do it sitting in your wallet.
If you get one that earns reward points, it can be a highly effective way to get a range of benefits and offset your costs in the process.
For example, you may need to travel a lot for work. In this instance, points earned via your card could be used to reduce expenses associated with flights or accommodation.
Alternatively, your organisation may entertain clients regularly. Points could then be used for a range of dining or activity-related rewards instead.
You're able to earn Qantas Points on everyday business spend1, which can then be converted to a range of different rewards to offset your company costs.
And don't forget – you can always use these rewards to show you value your staff, too.
Points earned with this card are pooled in a Qantas Business Rewards account.2 They can then be transferred to other Qantas Frequent Flyer members.
So if you have employees who are Qantas Frequent Flyer members, you're able to reward them with Qantas Points that they can use as they wish.
SPONSORED: We speak to Jye Smith of Doublestar Co to find out how the American Express Qantas Business Rewards Card has helped the company grow.
2. Transparency around spend
When you run a small business, it's not uncommon for there to be some overlap between business and personal finances. Especially in the first few years.
As you scale, though, it's important to establish – and maintain – separation between them.
A business card can help with this process.
By putting all of your business-related expenses on one card, you'll be able to easily distinguish them from personal expenses.
There's no more sorting through receipts and bank statements in order to determine who spent what, where.
3. A centralised account
Part of transparency around spend is also having a centralised account.
This allows for easier reporting for your accounting team, as they're able to see all of the transactions as they take place.
Additionally, it also provides everyone with access to a card in the company (more on that in a moment) with clarity around what sort of funds are available.
SPONSORED: When you're choosing a finance solution for your business, make sure you're getting the best possible perks
4. Empowering individual staff with their own card
Part of growing as a business – and as a leader – is empowering your staff to make financial decisions when necessary.
One way you can do this is by providing them with access to their own staff card.
They'll be able to make discretionary purchases – for example, a meal for a client – without needing to fall back on the claims process they'd have to go through if they used their own card.
There are no fees for up to 99 Employee Cards3, so you're able to expand employee access to cards as your company grows.
5. Easier budgeting and more flexibility
Having access to the right card means that you're in a better position to establish a budget. You'll also be better-prepared to tackle unexpected costs and take advantage of business opportunities as they pop up.
This allows you to pay off a portion of your balance (up to your FPO limit) over time, rather than needing to pay off the whole balance at the end of the payment period. Interest charges may apply. Interest charges may apply.
1. Earn Rate: A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points 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. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions. Once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold. 2 Bonus Qantas Points on Eligible Flights: A business must be a Qantas Business Rewards Member and include both its ABN and the traveller's Qantas Frequent Flyer number on eligible Qantas flight bookings to earn 2 bonus Qantas Points on eligible flights per $1 spent for business. Points will be credited after all segments in a flight booking have been flown. Any segment that is not flown or cancelled will not earn points. Qantas Points will not be earned on credit card fees, change fees, and ancillary purchases such as seat selection and baggage. Qantas Points earned for the business are only available for American Express Qantas Business Rewards or American Express Qantas Corporate Card Members when the Card is used to make an eligible Qantas flight booking. An eligible flight means a domestic or international flight which has a Qantas 'QF' flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with '081'; and is booked and travelled for business purposes on or after the date the business registers for Qantas Business Rewards; and does not include a segment of the booking that includes a non-QF coded flight. Exclusions apply. The bonus Qantas Points benefit is not available in conjunction with any other rebate, Corporate Fares Agreement or discount arrangement with Qantas. A Member's ABN and traveller's Qantas Frequent Flyer number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. Qantas will allocate bonus Qantas Points to the business under the Qantas Business Rewards Airline Reward Scheme Terms and Conditions. The 2 bonus Qantas Points for business benefit applies to all bookings made on or after 17 June 2026. Any bookings made before 17 June 2026 will earn points under the benefit in effect at the time of booking.
2. A business must be a Qantas Business Rewards Member to earn Qantas Points. A one-off joining fee of $89.50 usually applies, however this will be waived for any business that has an existing American Express Qantas Business Rewards Card. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions.
3. Employee Cards: Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
4. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate and PDS for number of interest free days. Please refer to the full Flexible Payment Option Terms and Conditions.
5. MYOB Integration: MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of David Jones American Express Cards and American Express Corporate Cards. The Card must be active at the time of enrolment.
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Sponsored by the American Express Qantas Business Rewards Card. Receive 150,000 bonus Qantas Points when you apply by 06 October 2026 and spend $6,000 on eligible purchases within the first 3 months. Available only to new American Express Card Members. T&Cs apply.
