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The American Express Business Card

The American Express Business Card offers premium business benefits including a rewards program and no pre-determined spending limit.

The American Express Business charge card has a $109 annual fee and gives you the option of earning rewards for your eligible business spending.

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Reward points

Per $ spent

$109 p.a.

Annual fee

51 days

Interest free period

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Product NameAmerican Express Business Card
Rewards programMembership Rewards Ascent
Purchase rate p.a.0%
Annual fee$109
Interest-free periodUp to 51 days on purchases
Card typeAmerican Express
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • No pre-set spending limit and up to 51 days extended cash flow
  • Offers a generous optional rewards program
  • Ability to add up to 99 Employee Cards
  • Provides complimentary travel-related policies


  • Charges an additional $80 per year to enrol in the rewards program
Rewards programMembership Rewards Ascent
Bonus pointsN/A
Rewards points per $ spent1.5
Rewards points capUncapped
Annual fee$109
Minimum monthly repayment100% of the closing balance outstanding
Foreign currency conversion fee3%
Additional cardholder fee$79
Number of additional cardholders99

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

This charge card from American Express gives you the flexibility of 51 days of cash flow for your business spending. While it offers additional cards for employees, there is a yearly cost of $79 per card.

How to apply

You can apply for the American Express Business Card online in around 10 minutes. Before you get started, make sure you meet the eligibility criteria and have all the required information on hand.

Eligibility criteria

  • Business Revenue. Your annual business revenue must be at least $75,000.
  • Valid ABN. This charge card requires your business to have a valid ABN and be registered for GST.

Card benefits

  • Rewards program. For a $80 annual Membership Rewards fee you can earn 1.5 Membership Rewards points per $1 spent on eligible purchases, as well 1 point per $1 spent with government bodies. You can redeem points for account credit, travel, frequent flyer points, gift cards and other retail items available through the Membership Rewards program.
  • Frequent flyer benefits and points transfer. Transfer your rewards points to 9 different airline rewards program partners including Virgin Australia Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Emirates Skywards, Etihad Guest and Air New Zealand Airpoints.

Rates & fees

  • Annual fee. This charge card has an annual fee of $109 p.a.
  • Additional cardholders. You can add up to 99 Employee Cards for an additional annual fee of $79 per card.

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  1. Default Gravatar
    February 12, 2015

    I have purchased return tickets Sydney to Denpasar for my wife using my American Express Card (Diamond Awards). Is my wife covered by complimentary Amex travel insurance?

    • Avatarfinder Customer Care
      February 13, 2015

      Hi John,

      Thanks for your inquiry.

      This would depend on the American Express credit card you used to purchase your tickets. Please see our review of the American Express complimentary travel insurance for more information and which cards are included and their inclusions.

      Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.


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