Earn better rewards and get access to effective cash flow with the right charge card.
Sponsored by the American Express Platinum Business Card. Earn 350,000 Membership Rewards Bonus Points when you apply by 03 November 2026 and spend $12,000 on eligible purchases within 3 months of your approval date. Available for new American Express Card Members only.1
When it comes to choosing an everyday card for businesses, many companies simply stick with a card from the organisation they bank with.
But this isn't always the best way to maximise the benefits for you or your business!
Today, we take a look at some of the features offered by the American Express Platinum Business Card and how it can offer a useful alternative.
👋 Hey there! We've partnered with American Express for this article. So we'll be using the American Express Platinum Business 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. Cash flow
Cash flow is one of the most important considerations for any business.
So having the right card in place to enable it is essential.
Traditional Credit or Debit Cards don't tend to allow for spending beyond a preset limit on a monthly cycle.
But if you're a business owner, you know that expenses and opportunities rarely align perfectly with the calendar!
The American Express Platinum Business Card allows for:
Up to 55 days to pay for purchases2
Flexible spending power3
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.
This means that it could grow as your company grows, too. Longer-term, it can help avoid the need for having to apply for new credit cards or upgrade existing ones.
At the moment, if you apply for an American Express Platinum Business Card before 4 November 2025 and spend $12,000 on eligible purchases within 3 months of your approval date, you'll receive 300,000 bonus Membership Rewards Points1.
American Express Platinum Business Card features include:
2.25 Membership Rewards points per $1 spent on eligible purchases4
1 Membership Rewards point per $1 on government-related spend4
These features can be used to offset a range of business expenses. For example, you might use travel rewards as a way to defray the costs of business trips.
Or you might use the Cover Charges with Points5 function to cover costs like rent or inventory.
Points can also be redeemed for items like Gift Cards6, which can provide a way to incentivise staff or reward customers.
Additionally, American Express AccessLine7 can enable even greater Points earning ability, as it allows you to pay local vendors who don't ordinarily accept American Express or Card payments in general.
In fact, even with ATO and government-related spend, AccessLine lets you earn the full points value of your purchase – though a fee does apply to the service.
This can be a handy hack for business owners looking to boost their Points earnings potential while still being able to deal with a wide range of vendors. Subject to approval. Enrollment required.
3. Freeing up time
For example, the American Express Platinum Business Card includes automatic transaction feeds from your Card Accounts into a variety of bookkeeping software, including MYOB8 and Xero9.
Making use of these features can help you reduce the time spent on admin and instead help you focus on growing your organisation.
Learn more about how the American Express Platinum Business Card can help benefit your business today
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How we picked these
1. 350,000 Bonus Membership Rewards Points
350,000 Bonus Membership Rewards Points offer is available to new American Express Card Members who apply by 03 November 2026 and spend $12,000 on eligible purchases within 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller's cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for the 350,000 Bonus Membership Rewards points offer. 350,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member's account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at americanexpress.com/en-au/rewards/membership-rewards/terms. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Annual fee of $1,750 applies.
2. Cash flow period Extend your cash flow by up to 55 days: Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
3. Flexible Spending Power Unless we tell 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 Business' 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, make regular transactions and don't miss any payments.
4. Points Earning Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. 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. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
5. Cover Charges with Points For each successful transaction with cover charges with points, points will be debited from your Membership Rewards account and a credit placed on your Card. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Account cannot be in credit when using cover charges with points. A credit will appear on your statement identified as "Membership Rewards Credit". Points will be debited immediately and the credit will take up to 2-4 business days. to appear online. Credits processed after the Card account's statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. View here. This is available to primary Card Members enrolled in the Membership Rewards program. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant eligible charges or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can take up to 72 hours to appear online. Credits processed after the Card Account's statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. Subject to the Membership Rewards Terms & Conditions at americanexpress.com/en-au/rewards/membership-rewards/terms
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6. Gift Cards
Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.​
7. AccessLine This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Business Card or American Express Corporate Card that is registered to use the service. Terms, conditions, fees and charges apply.
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8. MYOB Integration MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of American Express Corporate Cards. The Card must be active at the time of enrolment.
9. Xero connection
Eligible Card Members can connect their American Express Card issued by American Express Australia via secure API with Xero. User must be a Xero subscriber, have an American Express Online Account, and the Card must be active and in good standing. ​
Image: @Jacob Lund via Canva.com
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Sponsored by the American Express Platinum Business Card. Earn 350,000 Membership Rewards Bonus Points when you apply by 03 November 2026 and spend $12,000 on eligible purchases within 3 months of your approval date. Available for new American Express Card Members only.1