The all new, all-metal American Express Business Gold Plus Card is here, and it offers a range of benefits designed to reward business owners and ABN holders.
Plus, for a limited time, earn 150,000 Membership Rewards Bonus Points when you apply by 11 February 2025, 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. T&Cs apply. Available for new American Express Card Members only.
This Card is packed with perks designed to reward small business, including up to $550 in credits on B2B spend, hotel and car hire travel benefits, an earn rate of up to 3 Membership Rewards points per $1 spent, up to 2 complimentary Employee Cards, Complimentary Travel Insurance, and more.
Go to the offer page on the Amex website now or read on to discover why the American Express Business Gold Plus Card could take pride of place in your wallet.
Extend your cash flow by up to 55 days
Extend the time between purchases and payment by up to 55 days each statement period. For many small business owners, that’s valuable time to pay suppliers while you wait to get paid.
Harness the power of no pre-set spending limit
The American Express Business Gold Plus Card is a charge card. Unlike a credit card, there isn’t a pre-set spending limit. Choosing a card with no pre-set spending limit can help businesses effectively manage monthly cash flow. With no pre-set spending limit, your spending power can grow alongside your business.
Bear in mind that no pre-set spending limit does not mean unlimited spending. A charge card must be paid in full each month and as your spending and repayment patterns evolve, so do your purchase approvals.
Earn piles of points on business spend
As a business owner, you’re uniquely placed to earn piles of Membership Rewards points when paying for eligible expenses, whenever you spend with your Card.
The American Express Business Gold Plus Card earns into the American Express Membership Rewards program, offering the ability to transfer points to a range of airline and hotel partners. So long as your account remains in good standing, the points don’t expire, enabling you to save them up for use at a later date.
And, with American Express accepted at merchants across Australia, there are plenty of places where you can use your Card.
The Card unlocks a high earn rate across multiple categories of spend for your business, as follows:
- Earn 3 points per $1 spend at Xero, Google Ads, Meta, Amazon Web Services and Dell
- Earn 2 points per $1 spend with AccessLine®. Enrolment and approval required.
- Earn 1.5 points per $1 on everyday spend
- Plus earn 1 point per $1 spend on government spend, including the ATO
After a total of 200,000 points is earned in a calendar year, you will earn 1 point for every $1 for all spend across all categories, uncapped and with no expiry. Note that the 150,000 bonus points awarded to new Card Members do not count towards the annual 200,000 point threshold.
Earn 150,000 Membership Rewards Bonus Points
Earn 150,000 Membership Rewards when you apply by 11 February 2025, 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. T&Cs apply. Available for new American Express Card Members only.
150,000 Membership Rewards Bonus Points is equivalent to 75,000 frequent flyer points across a number of leading airline programs – enough to get travelling in style.
Points Transfer Rates
| Airline partner | Redemption rate |
|---|---|
| Velocity Frequent Flyer | 2 Membership Rewards points = 1 Velocity Point |
| Qatar Airways Privilege Club | 2 Membership Rewards points = 1 Avios |
| Cathay Pacific Asia Miles | 2 Membership Rewards points = 1 Asia Mile |
| Etihad Guest | 2 Membership Rewards points = 1 Etihad Guest Mile |
| Hawaiian Airlines | 2 Membership Rewards points = 1 Hawaiian Mile |
| Malaysia Airlines | 2 Membership Rewards points = 1 Enrich Mile |
| Thai Royal Orchid Plus | 2 Membership Rewards points = 1 Royal Orchid Plus Mile |
| Singapore KrisFlyer | 3 Membership Rewards points = 1 KrisFlyer Mile |
| Emirates Skywards | 3 Membership Rewards points = 1 Skywards Mile |
| Air New Zealand | 200 Membership Rewards points = 1 Airpoints Dollar |
| Virgin Atlantic | 2 Membership Rewards points = 1 Virgin Point |
| Hotel partner | Redemption rate |
|---|---|
| Marriott Bonvoy | 3 Membership Rewards points = 2 Marriott Points |
| Hilton Honors | 2 Membership Rewards points = 1 Honors Point |
Up to $550 in credits with B2B benefits
Spend $100 in one or more transactions, get $100 credit back to your Account, one time, reset every 12 months, with the following partners:
- Streamline finance with Xero accounting software and get $100 credit
- Grow your business with Google Ads and get $100 credit
- Get $100 credit when you spend at Meta for Business
- Scale up with Amazon Web Services and get $100 credit
Plus, spend with Dell Technologies and receive your purchase amount back as a credit to your account, up to $75 every 6 months (January – June and July to December).
When combined, these B2B benefits are worth up to $550 in credits, each year. Enrolment required.
Save time and money with other benefits for business
The American Express Business Gold Plus Card is packed with a range of other benefits designed to provide serious value for you and your business. There are too many perks to cover here in full, but they include:
- Integration with leading business software: Keep track of business expenditure using Xero, Intuit Quickbooks, or MYOB.
- Apple Pay, Samsung Pay, and Google Pay support: Enjoy the convenience of fast and secure payments on your phone with Apple Pay, Samsung Pay and Google Pay
- Amex Offers: Save money with popular promotions that reward you with a credit to your account when you hit a minimum spend threshold at a specific merchant
Enjoy benefits for business travel
The American Express Business Gold Plus Card offers a range of benefits, designed to make business travel more comfortable. You’ll enjoy:
Hilton Honors Silver Status
Gain a fast track to immediate silver status with the Hilton Honors loyalty program.
Earn points and enjoy benefits at eligible hotels and resorts within the Hilton Portfolio, with no minimum stay requirements. To enjoy these benefits, enrolment is required. T&Cs apply.
Unlock perks with The Hotel Collection
Book hundreds of hotels in hundreds of desirable destinations through American Express Travel Online and receive a US$100 credit to use during your stay. T&Cs apply. Credit use varies by property.
Enrol into the Hertz Gold Plus Rewards® program
The American Express Business Gold Plus Card unlocks special Hertz benefits when you enrol into Hertz Gold Plus Rewards, including:
- Up to a 10% discount
- One car class upgrade on rentals of 5+ days
- Fee-waived for spouse/civil partner
Unlock insurances for your business
With your American Express Business Gold Plus Card, you’ll gain access to a range of insurances designed to provide peace of mind when you’re ready to start travelling again for business. These include:
Cover for business travel: Get covered for emergency medical expenses if you have an accident while travelling for business, provided your trip is booked using your American Express Business Gold Plus Card.
Business return trip cover: If you’re unable to complete a business trip booked on your Card due to serious injury or sickness, you will receive cover for another person to take your place. This coverage includes money towards flights, accommodation, and meal expenses.
Travel cancellation and travel inconvenience insurance: When you use your Card to pay for your travel, you’ll receive reimbursement of accommodation, essential clothing, and refreshments due to a delayed or cancelled flight, missed connections, and delayed luggage.
Personal Baggage, Valuables, Money and Travel Documents Cover: Your luggage and possessions will be covered when you use your American Express Business Gold Plus Card to pay for your travel. This insurance provides cover if your Personal Baggage, Valuables, Money and Travel Documents are damaged, destroyed, lost or stolen during your trip.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits). It is important you read the American Express Card Insurance Terms and Conditions and consider whether the insurance is right for you.
American Express Business Gold Plus Card annual fee
The fee to hold the American Express Business Gold Plus Card is $395 per annum.
Up to two Employee Cards at no extra cost
Your first two Employee Cards are complimentary and from the third Employee Card onwards, a fee of $75 p.a. per Card is charged.
You’ll gain greater visibility and control with controllable spending limits and the ability to lock Cards using Employee Card controls. Plus, you’ll earn points on Employee Card purchases.
Note that Employee Card Members receive recycled plastic cards, whereas the Primary Card Member gets a metal card.
American Express Business Gold Plus Card eligibility
To apply for this Card, you must:
- you must be over 18 years of age
- an Australian citizen or permanent resident.
- your business must have a valid ABN registered for GST
- have an annual business revenue of $75,000 or more
To receive the 150,000 Membership Rewards Bonus Points, you must apply by 11 February 2025, be approved and spend $5,000 on eligible purchases on your new American Express Business Gold Plus Card within 3 months of your approval date. T&Cs apply.
Offer available for new American Express Card Members only. This means you must not currently hold or have previously held a Card product issued by American Express Australia Limited in the preceding 18 month period. Previous and existing bank-issued American Express companion card members are eligible for this offer.
The secure, mobile-friendly application form takes less than 10 minutes to complete and Amex may be able to give you a response in less than 60 seconds.