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75,000 Spend $1,000 in the first 2 months
American Express Gold Business Charge Card
American Express Gold Business Charge Card

American Express Credit Cards

American Express Gold Business Charge Card

Updated 31 December 2023

Enjoy 75,000 Membership Rewards Bonus Points when you spend $1,000 on eligible purchases on your new American Express Gold Business Card within 2 months of card approval. Earn 1.5 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent. This business credit card also offers up to 51 credit Free Days on your purchases and a range of travel covers. New American Express Card Members only.

*This is a charge card, so it has no pre-set spending limits and must be paid in full each statement, so you can make the most of your cash flow. T&Cs apply.

Points Earn Rate (per $1 spent)

1.5 points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

75,000 pts

Spend $1,000 in the first 2 months

Pros and cons

  • Receive 75,000 Membership Rewards Bonus Points when you spend $1,000 on eligible purchases on your new American Express Gold Business Card within 2 months of card approval
  • No pre-set spending limits and no interest charges (statement must be paid in full). T&Cs apply.
  • Earn up to 1.5 points for every $1 spent; uncapped with no expiry date
  • Earn 1 point per $1 spent on government spend in Australia
  • Up to 51 days to pay for purchases
  • Receive up to $75 credit twice a year when you enrol and use your card and spend at Dell Technologies. Benefit ends 31 December 2024. T&Cs apply.
  • Points can be linked to 11 airline rewards partners
  • Travel Inconvenience Cover, Public Transport Accident Cover as well as limited cover related to COVID-19, T&Cs apply
  • American Express provides transaction data feeds to MYOB accounting software
  • Monitor and control employee expenditure

  • $119 fee per every additional Employee Card
  • Optional $80 p.a. Membership Rewards program enrolment fee

Creditcard.com.au review

Editor Review

American Express Gold Business Charge 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.

American Express Gold Business Charge Card offers top-notch rewards and travel benefits to boost your business. Take a closer look and find out what this card has to offer.

What we love...

Receive 75,000 Membership Rewards Bonus Points when you spend $1,000 on eligible purchases on your new American Express Gold Business Card within 2 months of the card approval date. Card Members must enrol in the Membership Rewards program at the time of application to be eligible to get the bonus point offer. The 75,000 bonus points will be awarded to the eligible card member’s account 8-10 weeks after the spending criteria have been met, provided the account is in good standing.

This gold business charge card from American Express comes with no pre-set spending limit to give your business the flexibility to make purchases as needed. You have up to 51 days to pay for your purchases which allows you to extend your business cash flow. Also, you won’t be charged any interest on the balance as it is paid in full each month.

If you need more time to pay off your statement you can use Amex's Flexible Payment Option (FPO) to pay your a portion of your balance in instalments. When you apply, you'll be given a maximum amount you can use towards a FPO (much like a credit card limit, but for the amount you can allocate to flexible repayments). If you don't pay your statement in time, your interest-free days will be forfeit and an automatic FPO will be set up and charged interest until it's paid off in full. FPO's are charged at either the normal purchase rate or the rate specified on your monthly statement and may include other fees.

For an additional $80 p.a. you can enrol to Membership Rewards Ascent program and earn 1.5 points for every $1 spent, except government spend in Australia where you will earn 1 point for every $1 spent. Transfer your points to 11 airlines, redeem online at davidjones.com.au or pay off your balance on your card with points for credit.

Another feature worth mentioning is the $75 credit from Dell Technologies. Cardholders can enjoy up to $150 in credit a year (that's $75 credit twice a year - between 1st January and 30th June and between 1st July and 31st December each year). To take advantage of this offer, all you need to do is enrol your card and spend with Dell Technologies. Benefit ends 31 December 2024.

As for insurance this card comes with Travel Inconvenience Cover that will cover you for flight delays, missed connections or delayed luggage when you purchase your trip on your card.

What’s not so great...

The annual fee of $169 is quite high and there is an optional $80 p.a. Membership Rewards program enrolment fee. Additionally, adding new cardholders is a pain to the business as it charges an annual fee of $119 per Employee Card.

Why should you choose this card?

The American Express Gold Business Charge Card is an excellent business charge card that allows you to earn and redeem points. This card comes with great features that can help you manage your business with ease including no pre-set spending limit, up to 51 days to pay for purchases, complimentary insurance cover and other handy features for added control and transparency over your company's finances.

Overall Rating

This is a business charge card with decent rewards points earning ability and other handy features - ideal for small businesses.

User reviews

American Express Gold Business Charge Card ( based on 4 Creditcard.com.au user reviews )

73% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate N/A

Cash advance rate N/A

Interest free period on purchases up to 51 days

Credit limits

Minimum credit limit N/A

Maximum credit limit N/A

Fees & repayments

Annual fee $169 p.a.

Additional cardholder fee Up to 99 at $119 per card

Foreign transaction fee 3%

Minimum repayment $30 or 2.5%, whichever is greater (personal & business); N/A (charge cards)

Cash advance fee N/A

Late payment fee $20 or 3%, whichever is greater

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points 75,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $1,000 in the first 2 months

Earning points with this card

Amex Rewards points 1.5 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

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

Extras

Cover for business travel

Business Trip Completion Cover

$80 Membership Rewards fee (enrolment optional)

Overview

American Express Gold Business Charge Card

Key features

  • Receive 75,000 Membership Rewards Bonus Points when you spend $1,000 on eligible purchases on your new American Express Gold Business Card within 2 months of card approval
  • Earn 1.5 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent
  • Uncapped points earning with no expiry date
  • Receive up to $75 credit twice a year when you enrol and use your card and spend at Dell Technologies. Benefit ends 31 December 2024. T&Cs apply.
  • Points can be linked to 11 airline rewards partners
  • Travel Inconvenience Cover, Public Transport Accident Cover as well as limited cover related to COVID-19, T&Cs apply
  • American Express provides transaction data feeds to MYOB accounting software
  • No pre-set spending limit means more flexibility

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.

7 questions (showing the latest 10 Q&As)

Rojin

Rojin

22 July 2022
Hi, I am considering to get the Gold Amex Business. I have already bought travel tickets to several countries, can I redeem points for these after I get the card? Thank you Rojin Koosha
    Pauline - CreditCard.com.au

    Pauline

    1 August 2022
    Hi Rojin, I haven’t come across anything that says you can use points for flights after you’ve booked them. I’d suggest calling your airline directly to see what they say. Thanks Rojin, enjoy your trip!
Jake

Jake

8 May 2022
Hello, What credit card/ charge card should I get before I apply for AMEX Gold. I heard that you can’t upgrade from credit to charge(?) or cashback to charge card. It’d be great if you can provide ways of upgrading to AMEX Gold! Thank you.
    Pauline - CreditCard.com.au

    Pauline

    11 May 2022
    Hi Jake, good question! Although we cannot recommend one card over another, there are different credit cards to choose from depending on your planned usage. I checked on American Express’ terms and can’t see any mentions about being able to upgrade to a charge card from a regular credit card. Each card will need its own credit application. So if you’re keen to get an American Express credit card, you can use our comparison tool. If you believe you’ve met the eligibility for the American Express Gold Business card, you can apply by clicking the green Go To Offer button at the top of this page. Please also read the card’s terms, conditions and TMD before proceeding with your application.
Mick

Mick

4 November 2021
Hi, I’m just wondering how many rewards points go towards ATO and government payments. Also, to what ratio is (Rewards = Qantas) points? Many thanks
    Pauline - CreditCard.com.au

    Pauline

    5 November 2021
    Hi Mick, according to American Express’ terms and conditions, you’ll earn 1 point per $1 on all ATO and government payments, then 1.5 points per $1 on every spend. When you’re redeeming points, your 2 membership rewards points are equivalent to 1 Qantas point.
DAVID

DAVID

28 April 2021
Is this a metal card
jean ziade

jean ziade

17 February 2021
does the gold card earn points for quantas ff
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 February 2021
    Hi Jean, no it doesn't. You can transfer the Membership Rewards Points you earn to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines Enrich, Singapore Airlines KrisFlyer, THAI Royal Orchid Plus, Virgin Australia Velocity Frequent Flyer (Temporarily unavailable) and Virgin Atlantic Flying Club.
Sue

Sue

4 January 2019
Thank you for your answers. Just one more question - we would like a $40,000 limit with the Amex Qantas Discovery card. Is this possible?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 January 2019
    Hi Sue, the maximum possible credit limit on the AMEX Qantas Discovery goes as high as $100,000. Therefore it could be possible for you to obtain a 40k credit limit. You can request the 40k limit at the time you apply. AMEX will access and assign your credit limit based on the information provided. Happy Friday and best of luck with your application.
Sue

Sue

3 January 2019
We are looking for a credit card where we can earn points for the Qatar qmiles reward program. We have cards earning Qantas ff points. Also interested in one which gives points for ATO payments. Not interested in paying a large annual fee.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 January 2019
    Hi Sue, Qatar is part of One World. Therefore you can use your Qantas Points for Qatar flights. There is no direct Qatar rewards points earning credit card in Australia. For earning points on the ATO, this is really limited to AMEX cards. Therefore based on that, have a look at the AMEX Qantas Ultimate. I have this card. Its earn rate is currently 1.5 per $1 which is dropping to 1.25. Though its still the highest Qantas point earner in the market. You will also earn 0.5 points per dollar with the ATO. If you want to pay no annual fee then the Qantas American Express Discovery. Let me know if you would like a non-AMEX option. If you could provide how much you spend a month that can help me provide suggestions.
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