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American Express Business Charge Card
1 review

American Express Business Charge Card

points over 12 months Calculate your savings icon

Earn rate per $1

1.5 points Amex Membership Rewards

Bonus points

N/A

Annual fee

$109 p.a.

Pros

Help the cash flow of your business and pay off the balance on your Card with Points for Credit or select individual transactions on your online statement

Extend your cash flow up to 51 days

With Ascent (optional $80 enrolment fee), transfer points to a choice of 9 airline rewards partners and leading frequent guest partner programs

No cap on points and they don't expire

Earn up to 1.5 points per $1 spent

Earn 1 point per $1 spent on government spend in Australia

Travel Accident Cover

American Express provides transaction data feeds to MYOB accounting software

Cons

$80 p.a. Membership Rewards program (enrolment is optional)

100% of customers who have rated this card would recommend it
  • Rates
    60%
  • Fees
    62%
  • Rewards
    100%
  • Customer Service
    100%
  • Value
    74%
Overall user rating 79%
1 reviews
Interest Rates
Purchase rate N/A
Cash advance rate N/A
Interest free on purchases up to 51 days
Balance Transfer
Credit limits
Minimum credit limit N/A
Maximum credit limit $25,000
Fees & repayments
Annual fee $109 p.a.
Additional cardholder fee $79 p.a.
Cash advance fee N/A
Foreign transaction fee 3%
Minimum repayment 2.5% or $30. Full closing balance for the Amex Platinum Charge Card
Late payment fee $30
Credit card type American Express
Rewards program
Rewards program Amex Membership Rewards Amex Membership Rewards
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Amex points 1.5 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Business trip completion cover
$80 Membership Rewards fee (enrolment optional)

American Express Business Charge Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

The American Express Business Charge Card

With the American Express Business Charge Card, you can earn rewards on your business spending, while enjoying a number of other handy features, including travel cover and business tools. You will earn Membership Rewards on your business spend, and as an Ascent Member, you’ll have the option to redeem those points for travel, for gift cards, or against your purchases with Select + Pay.

What we love...

When you have the American Express Business Charge Card in your wallet, you can get something back on your business spending. And while it may not have any bonus offers on points at the moment, it does offer a nice everyday earn rate. When you join the Membership Rewards program, you will earn:

  • Earn 1.5 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent

You can earn rewards faster by adding up to 99 supplementary cards to the account (fees apply per cardholder). As a cardholder, you can also benefit from no points expiry, so as long as your card remains current, so do your points. This can make it easier to save up points for larger rewards such as flights.

In terms of points redemption, you have a number of options open to you as an Ascent member. You can transfer your Membership Rewards points to partner airline programs Velocity, KrisFlyer (Singapore Airlines) or Skywards (Emirates), or to hotel rewards programs. Other direct travel redemption options include Helloworld Travel, Webjet and American Express Travel Online.

The Membership Rewards program also allows you to use your points to pay for purchases or to purchase credit, with Select + Pay and Points for Credit. Alternatively, if you want to treat yourself or perhaps a member of staff, you can choose from a range of gift cards.

What’s not so great...

There’s not too much to complain about with the American Express Business Charge Card. It’s Amex’s entry-level business charge card, offering rewards plus a number of nice perks. As long as it’s a charge card you’re looking for (we’ll explain more on that later), and you want to earn rewards on your business spending, this is a pretty good option.

Why should you choose this card?

This is a charge card, not a credit card. It is designed to extend your cash flow, giving you up to 51 days to pay for purchases. With this card, you are not given a pre-set spending limit, but of course, this does not mean unlimited spending. Your purchases will be approved according to a variety of factors, such as your spending patterns, payment history, credit records, and financial resources.

When deciding whether the American Express Business Charge Card is right for you, take into account its annual fee – and the annual fee for additional cardholders if you want to add any to the account. Also, be aware of the fee you have to pay to enrol if you want to be an Ascent member.

Aside from rewards, the card has plenty else to offer, including travel accident insurance and business trip completion cover. As for business tools, the card allows you to save time with MYOB, as transactions made on your card will be transferred via an automatic feed for quick and easy reconciliation.

This is backed by American Express’s well-regarded service and support. As a cardholder, you will have access to emergency card replacement anywhere in the world, as well as online fraud protection to reduce your liability for any unauthorised online transactions.

To apply, you must be an Australian citizen or a permanent resident aged 18 or over. You must have a good credit history and no payment defaults, and you must have an annual business revenue of $24,000 or more. Your business must have a valid ABN registered for GST.

Overall Rating

The American Express Business Charge Card is a charge card that offers reward points earning on business spending, with a few nice features thrown in, including travel cover and business tools.

Showing one question (showing the latest 10 Q&As)

penelope morelli

penelope morelli

27 February 2017
can I transfer my gem visa over to your credit carf
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 February 2017
    Hi Penelope, this is card has no balance transfer available and is for business use only.

American Express Business Charge Card

* This is a Charge Card with no pre-set spending limit and no interest charges so you can make the most of your cash flow

Key features

  • Earn up to 1.5 points per $1 spent
  • Earn 1 point per $1 spent on government spend in Australia
  • No cap on points and they don't expire
  • Use your points to shop online at davidjones.com.au or choose from a range of Gift Card partners
  • Redeem your points instantly in store with Harvey World Travel or redeem your points for foreign currency
  • Help the cash flow of your business and pay off the balance on your Card with Points for Credit or select individual transactions on your online statement
  • Extend your cash flow up to 51 days
  • With Ascent (optional $80 enrolment fee), transfer points to a choice of 9 airline rewards partners and leading frequent guest partner programs
  • Travel Accident Cover
  • American Express provides transaction data feeds to MYOB accounting software
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian citizen or a permanent resident. Have a valid ABN and your business must be registered for GST.
  • Minimum income of $24,000 p.a.
  • You have your personal details ready to complete the online application
American Express Business Charge Card
American Express Business Charge Card

American Express Credit Cards

American Express Business Charge Card

Updated 17 September 2019

With the American Express Business Card you can earn 1.5 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent. Points are uncapped. Join the Membership Rewards Ascent program ($80 Membership fee - Optional) and transfer points to any of their 9 airline rewards partners and leading frequent guest partner programs.

Points Earn Rate (per $1 spent)

1.5 points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Help the cash flow of your business and pay off the balance on your Card with Points for Credit or select individual transactions on your online statement
  • Extend your cash flow up to 51 days
  • With Ascent (optional $80 enrolment fee), transfer points to a choice of 9 airline rewards partners and leading frequent guest partner programs
  • No cap on points and they don't expire
  • Earn up to 1.5 points per $1 spent
  • Earn 1 point per $1 spent on government spend in Australia
  • Travel Accident Cover
  • American Express provides transaction data feeds to MYOB accounting software

  • $80 p.a. Membership Rewards program (enrolment is optional)

Creditcard.com.au review

Editor Review

American Express Business Charge Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The American Express Business Charge Card

With the American Express Business Charge Card, you can earn rewards on your business spending, while enjoying a number of other handy features, including travel cover and business tools. You will earn Membership Rewards on your business spend, and as an Ascent Member, you’ll have the option to redeem those points for travel, for gift cards, or against your purchases with Select + Pay.

What we love...

When you have the American Express Business Charge Card in your wallet, you can get something back on your business spending. And while it may not have any bonus offers on points at the moment, it does offer a nice everyday earn rate. When you join the Membership Rewards program, you will earn:

  • Earn 1.5 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent

You can earn rewards faster by adding up to 99 supplementary cards to the account (fees apply per cardholder). As a cardholder, you can also benefit from no points expiry, so as long as your card remains current, so do your points. This can make it easier to save up points for larger rewards such as flights.

In terms of points redemption, you have a number of options open to you as an Ascent member. You can transfer your Membership Rewards points to partner airline programs Velocity, KrisFlyer (Singapore Airlines) or Skywards (Emirates), or to hotel rewards programs. Other direct travel redemption options include Helloworld Travel, Webjet and American Express Travel Online.

The Membership Rewards program also allows you to use your points to pay for purchases or to purchase credit, with Select + Pay and Points for Credit. Alternatively, if you want to treat yourself or perhaps a member of staff, you can choose from a range of gift cards.

What’s not so great...

There’s not too much to complain about with the American Express Business Charge Card. It’s Amex’s entry-level business charge card, offering rewards plus a number of nice perks. As long as it’s a charge card you’re looking for (we’ll explain more on that later), and you want to earn rewards on your business spending, this is a pretty good option.

Why should you choose this card?

This is a charge card, not a credit card. It is designed to extend your cash flow, giving you up to 51 days to pay for purchases. With this card, you are not given a pre-set spending limit, but of course, this does not mean unlimited spending. Your purchases will be approved according to a variety of factors, such as your spending patterns, payment history, credit records, and financial resources.

When deciding whether the American Express Business Charge Card is right for you, take into account its annual fee – and the annual fee for additional cardholders if you want to add any to the account. Also, be aware of the fee you have to pay to enrol if you want to be an Ascent member.

Aside from rewards, the card has plenty else to offer, including travel accident insurance and business trip completion cover. As for business tools, the card allows you to save time with MYOB, as transactions made on your card will be transferred via an automatic feed for quick and easy reconciliation.

This is backed by American Express’s well-regarded service and support. As a cardholder, you will have access to emergency card replacement anywhere in the world, as well as online fraud protection to reduce your liability for any unauthorised online transactions.

To apply, you must be an Australian citizen or a permanent resident aged 18 or over. You must have a good credit history and no payment defaults, and you must have an annual business revenue of $24,000 or more. Your business must have a valid ABN registered for GST.

Overall Rating

The American Express Business Charge Card is a charge card that offers reward points earning on business spending, with a few nice features thrown in, including travel cover and business tools.

User reviews

American Express Business Charge Card ( based on 1 Creditcard.com.au user review )

79% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate N/A

Cash advance rate N/A

Interest free on purchases up to 51 days

Credit limits

Minimum credit limt N/A

Maximum credit limit $25,000

Fees & repayments

Annual fee $109 p.a.

Additional card holder fee $79 p.a.

Foreign transaction fee 3%

Minimum repayment 2.5% or $30. Full closing balance for the Amex Platinum Charge Card

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Amex pointsAmex points 1.5 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Extras

Business trip completion cover

$80 Membership Rewards fee (enrolment optional)

Overview

American Express Business Charge Card

* This is a Charge Card with no pre-set spending limit and no interest charges so you can make the most of your cash flow

Key features

  • Earn up to 1.5 points per $1 spent
  • Earn 1 point per $1 spent on government spend in Australia
  • No cap on points and they don't expire
  • Use your points to shop online at davidjones.com.au or choose from a range of Gift Card partners
  • Redeem your points instantly in store with Harvey World Travel or redeem your points for foreign currency
  • Help the cash flow of your business and pay off the balance on your Card with Points for Credit or select individual transactions on your online statement
  • Extend your cash flow up to 51 days
  • With Ascent (optional $80 enrolment fee), transfer points to a choice of 9 airline rewards partners and leading frequent guest partner programs
  • Travel Accident Cover
  • American Express provides transaction data feeds to MYOB accounting software

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or a permanent resident. Have a valid ABN and your business must be registered for GST.

  • Minimum income of $24,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

Showing one question (showing the latest 10 Q&As)

penelope morelli

penelope morelli

27 February 2017
can I transfer my gem visa over to your credit carf
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 February 2017
    Hi Penelope, this is card has no balance transfer available and is for business use only.

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