4 reasons to get a Business Charge Card for the new financial year

Posted:
News Follow Finder on Google
Male_Florist_Trimming_Flowers_In_Store_Canva_1800x1000

When you're running your own business, it's essential to have the right tools – and that can include American Express Charge Cards.

The new financial year is almost here. It's a time where many businesses reassess their financial tools and check whether they need to add new ones.

Charge Cards can offer significant benefit and optimisations to an expanding organisation.

Probably the best-known benefit is unlocking extended cash flow days, to enable better day-to-day operations.

But did you know there are a whole range of other potential benefits too?

With this in mind, we're taking a look at some of the features offered by the Amex Platinum Business Card and the Amex Business Gold Plus Card -- and looking at some of the ways they may be able to help in the new financial year.

Amex Business Cards



1. Access to Bonus Points

The ability to earn Membership Rewards Points can be a significant drawcard for many business owners.

This is because you're able to earn Membership Rewards Points on a range of essential purchases, and then use them to offset other expenses (more on that in a moment).

But when you're approved for a Charge Card with American Express, sometimes you can actually get Bonus Membership Rewards Points.

Let's take a closer look at the current offers:

Earn up to 390,000 Bonus Membership Rewards® Points: That's an additional 40,000 Bonus Membership Rewards Points on top of the current 350,000 Bonus Membership Rewards® Points offer when you apply via the link on this page by 30 June 2026, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date.1 T&Cs apply. Available for new American Express Card Members only.

Earn up to 240,000 Bonus Membership Rewards® Points: That's an additional 40,000 Bonus Membership Rewards® Points on top of the current 200,000 Bonus Membership Rewards® Points offer when you apply via the link on this page by 30 June 2026, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within 3 months of your approval date.2 T&Cs apply. Available for new American Express Card Members only.

Access to Bonus Membership Rewards Points can enable you to start using them for everyday business expenses after being approved for a Charge Card and meeting the minimum spend criteria.


2. Offsetting costs

Every business has its own unique approach and needs. So having a range of options to use Membership Rewards Points is crucial.

American Express Membership Rewards Points can be redeemed in a wide variety of ways, to help enable businesses to succeed.

For example, you can use Membership Rewards Points to cover select charges on your card.3 This can be a way to offset some of your day-to-day operating costs, including equipment, entertaining clients and more.

If your business requires you or your team to travel regularly, you can also use Membership Rewards Points to cover travel costs or accommodation expenses via American Express Travel Online. In a similar vein, you can also transfer American Express Membership Rewards Points to a partner loyalty program for airlines or hotels.

Another way you're able to use Membership Rewards Points is for Gift Cards across a range of retailers like JB Hi-Fi, Red Balloon, Myer and more. These can be used as gifts for clients, or incentives for high-performing team members.4


Charge Card Features for Businesses

American Express Charge Cards incorporate a range of other features to assist business owners with running their business.

AccessLine5

AccessLine allows you to pay virtually any vendor in Australia, even if they don't ordinarily accept American Express Cards. You'll also still earn Membership Rewards Points while paying via AccessLine. (Enrolment required. Subject to approval, T&Cs apply)

Software integration

Make end of month a breeze with the ability to integrate your American Express Charge Card into accounting software like MYOB6 and Quicken.

Employee Cards7

Empower your team by equipping them with their own Employee Cards, while still maintaining oversight on spend. (Annual fees may apply depending on the Card held)

More about Amex Business Cards


3. Extended cash flow

Having extended cash flow can help optimise your business's purchasing power and strategic business purchases.

Traditional Credit and Debit Cards can be useful. But they also have a preset limit that's tied to a monthly period.

Extended cash flow days can provide additional time between making purchases and settling balances, helping businesses manage day-to-day expenses more efficiently.

Conversely, Charge Cards like the Amex Platinum Business Card and the Amex Business Gold Plus Card offer flexible spending power.8

This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business' credit rating, and other factors.

Unless Amex tells you otherwise, your American Express Charge Card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your businesses credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don't miss any payments.

You can also unlock extended time between purchase and payment (depending on when you make the purchase and other requirements). For example, the Amex Platinum Business Card allows you up to 55 days9 to pay for purchases.


4. Business benefits

Another way you can plan for the new financial year is by looking at some of the business features you can get included with a Charge Card.

With the Amex Platinum Business Card, you can get access to more than 1,550+ airport lounges around the world10 , which can be very handy when you're travelling for work.

The Amex Business Gold Plus Card features a number of different B2B inclusions, in order to help you with a range of everyday business challenges. You can get up to $650 in credit back11, depending on the services you use.

  • Xero

Spend $100 in one or more transactions, online at www.xero.com/au to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.

  • Google Ads

Spend $100 in one or more transactions, online at ads.google.com to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.

  • Meta

Spend $100 in one or more transactions, in-app or online at Meta for Business to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.

  • Amazon Web Services

Spend $100 in one or more transactions, online at aws.amazon.com to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.

  • Square

Spend $300 in one or more transactions, online at www.squareup.com/au/en to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.

  • Dell

Spend online at www.dell.com.au or via phone on 1800 880 855 to receive your purchase amount back as a credit to your account, up to $75 back. Benefit redeemable twice per calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.

Leveraging services like this can help optimise business processes, promote your business, host websites and upgrade your company hardware. This can help you set yourself up for success as the new financial year kicks off!


Learn more about how the charge cards can benefit you in the new financial year today

Bonus points Points per $ spent Purchase rate p.a. Annual fee
American Express Platinum Business Card image
American Express Platinum Business Card
Most LovedAmerican Express Membership Rewards
Bonus points
390,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,750
Partner offer: Get 350,000 Bonus Membership Rewards Points and additional 40,000 points when you apply via the link on this page and spend $12,000 on eligible purchases within the first 3 months. New American Express card members only. Ends 30 Jun 2026. T&Cs apply.
Go to siteView details
Compare product selection
American Express Business Gold Plus Card image
American Express Business Gold Plus Card
Most LovedAmerican Express Membership Rewards
Bonus points
240,000
Points per $ spent
1.5
Purchase rate p.a.
0%
Annual fee
$395
Partner offer: Get 200,000 Bonus Membership Rewards Points and additional 40,000 points when you apply through the link on this page and spend $5,000 in the first 3 months. New Amex card members only. Ends 30 Jun 2026. T&Cs apply.
Plus, earn up to 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell. ABN holders w/ $75,000 revenue.
Go to siteView details
Compare product selection
loading
3:15
Image: @Syda Productions via Canva.com

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Go to site