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American Express Business Charge Card

1 review
points over 12 months Calculate your savings icon

Earn rate per $1

1 point
16.77% Complete (success)
Membership Rewards Ascent

Bonus points

N/A
% Complete (success)

Annual fee

$109
p.a.
109% Complete (success)

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
  • Rates
    60%
  • Fees
    62%
  • Rewards
    100%
  • Customer Service
    100%
  • Value
    74%
100% of customers who have rated this card would recommend it
Overall customer 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%
Late payment fee $30
Credit card type American Express
Rewards program
Rewards program Membership Rewards Ascent 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)

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.
  • 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

14 March 2019

Points Earn Rate (per $1 spent)

1

point

Ascent

Rewards Program

Membership Rewards Ascent

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

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

American Express Business Charge Card

79% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

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 Membership Rewards Ascent

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Ascent pointsAscent points 1 point 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)

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

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.

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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