1. AMEX Platinum Business Card: Travel rewards and international benefits

Whether your business is located solely in Australia or you’re already branching out overseas, business credit cards can offer enormous cost-saving benefits and account management support.

A card like the Amex Platinum Business includes a host of features for frequent travellers, earns Amex Membership Rewards points that can be redeemed flexibly for goods, services or partner airline points, and integrates seamlessly with popular accounting software.

In short: Amex Platinum Business credit card can help your business flow more smoothly domestically and internationally, and save on travel costs at the same time.

Key features of the Amex Platinum Business credit card

Travel comfortably and efficiently with premium travel benefits:

• Access to over 1500 airport lounges worldwide
• Complimentary ALL Accor + Explorer hotel membership
• VIP privileges at over 1600 hotels globally, such as upgrades and late checkout
• Complimentary international and domestic travel insurance
• Transfer your points to global partner airlines, including Qantas Frequent Flyer

Earn points per dollar plus bonuses:

• 2.25 Membership Rewards points per $1 on everyday business spend
• 1 point per $1 on government spending
• Earn big bonus points on sign-up, such as 300,000 points when you spend $12,000 in the first 3 months (these offers change so check our review for the latest offer)
• Cashback offers for eligible purchases with Dell Technologies

Tools that support scaling:

• Up to 99 free employee cards with customisable spending limits and controls
• Employees can be given access to card benefits
• Xero and MYOB integration
• Real-time account management via the Amex app

Who could use the Amex Platinum Business card?

• Employees who frequently travel, particularly overseas
• Medium to large businesses making high-volume purchases
• Businesses that value premium support and rewards

Watch for: High annual fee ($1750), so weigh the fee vs points and travel benefits.

2. ANNA Money Business charge card: Save on expensive foreign fees

Many businesses today purchase from overseas suppliers, including Software as a Service (SaaS) subscriptions. But, foreign transaction fees, which are normally 2-3% of the purchase amount, can be a substantial cost each month, especially for small businesses. The ANNA Money credit card solves that problem and can be a brilliant tool for money management without the big fees.

Plus, this card has four tiers, so you can choose the level of features that fit your business and your budget. Each tier unlocks more complimentary employee cards, a higher credit limit and more travel perks.

The tiered system is what makes the ANNA Money Business credit card so flexible as you scale your business (one of the tiers is literally called “The Scale”). You can move up and down the tiers at any time. Depending on the tier, you can choose from a $5000 credit limit up to $500,000, which is much higher than many other Australian lenders.

Key features of the ANNA Money Business credit card

No foreign transaction fees:

• Suppliers in foreign currencies
• Online subscriptions from overseas merchants
• Any purchase from a merchant with an overseas account, even if the merchant is located in Australia

Everyday perks and travel benefits:

• No interest is charged if the card is paid off in full each month
• Skip airport queues with security fast-track access
• Use discounts and perks at selected airport restaurants
• Access over 1300 worldwide airport lounges through DragonPass
• Access Mastercard Priceless Specials for discounts on flights, hotels, car rentals, dining and experiences around the world

Built-in account management tools:

• Quickly synchronise expenses with Xero, MYOB, QuickBooks and NetSuite integration
• Employee cards are approved within 24 hours
• Set and adjust spending limits, freeze cards and set category restrictions on employee spending

Best suited for:

• Online retailers importing stock
• Startups and SMEs paying for overseas SaaS
• Businesses sending regular payments offshore
• Freelancers or service businesses with international clients

Watch for: The monthly fees add up to a high annual amount ($478.88). But, if you choose to pay annually you’ll get a 20% discount.

3. Ampol Fuel Card: Control on-road expenses for all business sizes

Fuel is an expensive part of running a business, especially if your operations rely on deliveries, multiple vehicles, trucks, quoting customers or visiting sites. Fuel cards can give you quick wins in reducing petrol costs and controlling and monitoring employee spending, whether you have a couple of utes or a whole fleet./p>

The Ampol Fuel Card does all that and more, starting at $2.95 per vehicle per month. When you link your Ampol Fuel Card to your Everyday Rewards account, you’ll earn points to redeem towards purchases from Woolworths, Big W or BWS, or transfer them to Qantas Frequent Flyer Points.

Key features

Cost-effective fuel savings:

• Save up to 4c per litre on premium fuel, 3c per litre on premium diesel and 2c per litre on regular unleaded and diesel
• Use at over 1700 Caltex and Ampol service stations, and participating Woolworths MetroGo locations around Australia
• 10% discount on packaged engine oils

Full control over spending:

• Track spending by vehicle or employee
• Monitor expenses in real time using the MyAmpol online portal and the Ampol app
• Set spending limits and track odometer readings for each fill

Easy reporting, tracking and account control:

• Monthly ATO-ready statements
• PIN security, account management and integration with Xero and MYOB

Best suited for:

• Trades and services
• SMEs with delivery or sales vehicles
• Businesses with multiple locations

Watch for: The Ampol Fuel Card offers extras like 24/7 Roadside Assistance and discounts with the Services and Repairs add-on, but these are an additional cost per month.