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American Express Business Charge Card
American Express Business Charge Card
Earn rate per $1
1 point 
Bonus points
N/AAnnual fee
$109p.a.
Pros
No cap on points and they don't expire
Cons
$80 p.a. Membership Rewards Ascent program (enrolment is optional)
American Express Business Charge Card
With the American Express Business Card you can earn up to 1 Membership Rewards point per $1 spent. From 15 April 2019 you will earn 1.5 points for every $1 spent, except government where you will earn 1 point for every $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.
* 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 1 Membership Rewards point per $1 spent
- Earn 0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies
- From 15 April 2019 you will earn 1.5 points for every $1 spent, except government where you will earn 1 point for every $1 spent
- Point redemption rates will change as of 15 April 2019. Please click here for further detail.
- 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
100% of customers who have rated this card would recommend it
| 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% |
| Late payment fee | $30 |
| Credit card type | American Express |
| Rewards program | |
| Rewards program | Membership Rewards Ascent |
| Annual points cap | uncapped |
| Bonus points spend criteria | N/A |
| Earning points with this card | |
| Ascent points | 1 point 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) |
A standard business card enjoying uncapped points earning. Earn rate is up to 1 Membership Rewards Point per $1 spent. Reward points can be spread across airlines and also redeemed on the outstanding balance if necessary.
Showing one question (showing the latest 10 Q&As)
- 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
With the American Express Business Card you can earn up to 1 Membership Rewards point per $1 spent. From 15 April 2019 you will earn 1.5 points for every $1 spent, except government where you will earn 1 point for every $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.
* 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 1 Membership Rewards point per $1 spent
- Earn 0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies
- From 15 April 2019 you will earn 1.5 points for every $1 spent, except government where you will earn 1 point for every $1 spent
- Point redemption rates will change as of 15 April 2019. Please click here for further detail.
- 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
Customer Reviews
Rates & 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%
Cash advance fee N/A
Late payment fee $30
Rewards & points
Rewards program
Rewards Program Membership Rewards Ascent
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Ascent points 1 point
per $1 spent
Points cap per month N/A
Overseas 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)
Our Review
Editor Review
A standard business card enjoying uncapped points earning. Earn rate is up to 1 Membership Rewards Point per $1 spent. Reward points can be spread across airlines and also redeemed on the outstanding balance if necessary.
Pros
- No cap on points and they don't expire
Cons
- $80 p.a. Membership Rewards Ascent program (enrolment is optional)
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 Question
Something you need to know about this card? Ask a our credit card expert a question.
Ask a questionShowing one question (showing the latest 10 Q&As)
can I transfer my gem visa over to your credit carf
Hi Penelope, this is card has no balance transfer available and is for business use only.
penelope morelli
27 February 2017Roland
28 February 2017