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Discontinued: American Express Business Card
Discontinued: American Express Business Card

Discontinued: American Express Business Card

Updated 12 May 2023

This card is no longer available for application. This information has been left for those who still have the card or were previously interested

Receive a $100 Statement Credit when you apply for a new American Express Business Card by 11 July 2023, get approved, and spend $1,000 within 3 months of your approval date. Buy now and pay later and enjoy up to 110 cashflow days on all spend. Get one complimentray Employee Card and insurance covers. No pre-set spending limit. New American Express Card Members only.

Points Earn Rate (per $1 spent)

Rewards Program

Bonus Points

N/A

Pros and cons

  • No pre-set spending limit
  • Receive a $100 Statement Credit when you apply for a new American Express Business Card by 11 July 2023, get approved, and spend $1,000 within 3 months of your approval date
  • Up to 110 cashflow days on all spend
  • One complimentary Employee Card ($79 each for additional cards)
  • Complimentary Travel Insurance
  • Transaction data feeds to MYOB accounting software

  • No earn on spend
  • $79 annual fee each for additional Employee Cards

Creditcard.com.au review

Editor Review

Discontinued: American Express Business Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

Such a delight to all who love convenience while shopping. With the American Express Business Card, you can buy now and pay later, and take advantage of up to 110 cashflow days on all eligible spending. Plus, receive a $100 Statement Credit when you apply for a new card and met the minimum spend.

What we love...

When you have the American Express Business Card in your wallet, you can have a longer grace period in paying your shopping spend up to 110 cashflow days.

You can also receive a $100 Statement Credit when you apply for a new American Express Business Card by 11 July 2023, get approved, and spend $1,000 within 3 months of your approval date. The $100 Statement Credit will be credited to your account within 8-10 weeks of Card approval.

What’s not so great...

You cannot earn any points on your spending when you get this card. Additionally, you can only get one complimentary card and the annual fee for additional Employee Cards is quite high at $79 per card.

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 110 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 Card is right for you, take into account its annual fee – and the annual fee for additional cardholders if you want to add more than one complimentary cards to the account.

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 $75,000 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 a longer period for you to pay your purchases, with a few nice features thrown in, including travel cover and business tools. Plus, a welcome credit offer of $100 to new cardholders.

User reviews

Discontinued: American Express Business Card ( based on 2 Creditcard.com.au user reviews )

79% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value
2%

18 April 2020

Do not use these people, they are so hard to get a hold of, i too spent hours on hold trying to talk to someone. They stopped my direct debit without telling me then call me when my interest free time is nearly up and told me i had 1000's owing still.. I would not recommend these people to anyone, run the other way if they recommend or try and sell your anything.

Does not recommend this card

Rates and fees

Interest rates



Purchase rate N/A

Cash advance rate N/A

Interest free period on purchases up to 110 days

Credit limits

Minimum credit limit N/A

Maximum credit limit $25,000

Fees & repayments

Annual fee $95 p.a.

Additional cardholder fee $0 (1 card only, then $75 for more)

Foreign transaction fee 3%

Minimum repayment

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program N/A

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Points cap per month N/A

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

Discontinued: American Express Business 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

  • No pre-set spending limit
  • Receive a $100 Statement Credit when you apply for a new American Express Business Card by 11 July 2023, get approved, and spend $1,000 within 3 months of your approval date
  • Up to 110 cashflow days on all spend
  • One complimentary Employee Card ($79 each for additional cards)
  • Annual Fee: $95
  • Complimentary Travel Insurance
  • 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 $75,000 p.a.

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask 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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