With 100,000 bonus Membership Rewards points on offer, find out why Amex's low-annual fee Gold Business Card is worth a slot in your wallet.
Own a business or hold an ABN? For a limited time, there's a chance to pocket a huge 100,000 Membership Rewards points with the American Express Gold Business Card.
Along with a pile of bonus points (available to new Card Members only), this popular business card delivers an earn rate of up to 1.5 points per $1 spend and a raft of other cardholder benefits – all with a low annual card fee that won’t break the bank.
To take advantage of this offer, you must apply online by 7 October 2020 and spend just $1,000 on your new card within 2 months of your approval date. Membership Rewards enrolment is required. The 100,000 bonus points will be credited to your account 8-10 weeks after the minimum spend is reached.
Above and beyond world-class rewards, the American Express Gold Business Card offers a range of benefits designed to boost efficiency and track spending.
Looking to improve business cash flow? Access up to 51 days from the time you make a purchase until your repayment is due – that’s valuable time to pay suppliers while you wait to get paid.
Seeking to integrate transaction data feeds? If you use MYOB or Quicken, you can set up an automatic data feed of your Card transactions.
Keen to better track business spending? Add up to 99 employee Cards (fees apply) to help keep track of business expenses.
Apply now or read on to discover why the American Express Business Gold Card is a product of choice for many business owners and ABN holders.
Pocket a huge 100,000 Membership Rewards points (new Card Members)
The American Express Membership Rewards program is highly valued by savvy consumers and business owners alike. With the ability to transfer points to 8 airline partners, Amex Membership Rewards is about as flexible as a loyalty program gets.
And, while travel may not be top of mind for you or your business right now, no points expiry means you can save your nest egg and use it at a later date.
100,000 Membership Rewards ‘Ascent’ points transfer to 50,000 points or miles with leading airline programs such as Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles. Alternatively, you could choose to redeem your points for gift cards or statement credits.
Earn points on each and every dollar you spend
Business owners are uniquely placed to earn piles of points when paying expenses. And, with the American Express Gold Business Card, you’ll earn points wherever you spend with your Card.
There’s a flat earn rate of 1.5 points per $1 for all spend, except with Government Bodies where you’ll collect 1 point per $1. That’s the equivalent of 0.75 frequent flyer point or miles per dollar across most merchants.
Better still, there’s no cap on how many points you can earn on your Card each month or year. And, with American Express widely accepted at merchants across Australia, there’s no shortage of places you can use your card.
Harness the power of no pre-set spending limit
The American Express Gold Business 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 to effectively manage monthly cash flow.
The concept works like this: With no pre-set spending limit, your borrowing capacity increases alongside your business. Depending on your circumstances, a charge card could unlock access to much higher monthly purchasing power than a standard credit card with a fixed limit.
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.
Access up to 51 cash flow days
The Amex Gold Business Card provides up to 51 days from the time you make a purchase until that repayment is due. For many small business owners, that’s valuable time to pay suppliers while you wait to get paid.
Take advantage of Flexible Payment Option
Flexible Payment Option is a new initiative, recently launched by American Express.
It works like this: Essentially, if you prefer not to pay your monthly Closing Balance in full, you have the option to carry a portion of it forward, up to your Flexible Payment Option Limit each month. With an instant line of credit, you can free up your cash flow without depending on an overdraft or business loan. Note that interest charges apply.
Unlock a range of insurances for your business
At the present time, business travel is off the cards for many of us. However, with your American Express Gold Business 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 up to $300,000 If you have an accident while travelling for business, provided your trip is booked using your Gold Business Card.
Business trip completion cover: If you’re unable to complete a business trip booked on your Card due to serious injury or sickness, you will receive up to $20,000 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 or lost luggage.
Complimentary baggage insurance: Your luggage and possessions will be covered up to $30,000 when you use your Gold Business Card to pay for your travel. This includes cover for lost, stolen or damaged baggage, money and documents.
Complimentary Travel Insurance cover is extended to additional cardholders, provided the travel is booked on the additional cardholder’s Card.
Before deciding to take up any of these insurance products, and to find out more information about coverage requirements, you should refer to the card PDS and terms & conditions here.
Save time and money with other benefits for business
The American Express Gold Business Card unlocks a slew 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 Quicken or MYOB.
Make secure payments to virtually anyone: When you apply for American Express AccessLine, you can make fast, secure payments to merchants who don't accept Card payments, while earning points at the same time.
Amex Offers: Save money with popular promotions that reward you with a cashback when you hit a minimum spend threshold at a specific merchant (e.g. spend $250, get $50 back at Myer, or spend $500 and get $100 back at Harvey Norman).
Up to 99 additional Cards: Additional Cards can be provided to employees (a fee applies). The points earned on additional Cards are credited to your account, helping you to rake in points faster.
American Express Gold Business Card annual fee
At $169 per annum, the Amex Gold Business Card provides a range of benefits with an annual fee that won’t break the bank. An optional $80 fee is levied for enrolment in the American Express Membership Rewards program. You’ll need to enrol in Membership Rewards to take advantage of the supercharged 100,000 bonus points offer for new Card Members.
Additional Cards can be issued to employees at a cost of $119 per card, per annum.
American Express Gold Business Card eligibility
To apply for this Card, you must be over 18 years of age and an Australian citizen or permanent resident.
Additionally, your business must have a valid ABN registered for GST and you must have an annual business revenue of $75,000 or more.
To receive the 100,000 bonus Membership Rewards points, 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.
Don’t miss an opportunity to pocket a huge 100,000 bonus points along with world-class rewards and benefits to support your business.
This is a rare chance for new Card Members to pocket a huge sign-on business with the American Express Gold Card, and it’s only available until 7 October 2020.
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.
How do I apply for the American Express Gold Business Card?
Which Amex business card is best?
American Express offers a range of business credit and charge cards with attractive benefits on offer. Plus, for a limited time, new Card Members can score a sign-on bonus of up to 150,000 points. You can browse American Express small business card offers here.
Is the American Express Gold Business Card worth it?
With 100,000 bonus points (available to new Card Members), the Amex Gold Business Card offers an earn rate of up to 1.5 points per $1 spend and a raft of other cardholder benefits – all with a low annual card fee that won’t break the bank.