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American Express Gold Business Charge Card

2 reviews
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

$169
p.a.
169% Complete (success)

Pros

Complimentary insurance covers

Cons

1 point per $1 spent is the highest earning ratio available

American Express Gold Business Charge Card

American Express Gold Business let’s you earn up to 1 Membership Rewards point per dollar 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. This business credit card also offers up to 51 credit Free Days on your purchases and a range of travel covers. *This is a charge card, so it has no pre-set spending limits and no interest charges, so you can make the most of your cash flow.

Key features

  • 1 Membership Reward point per $1 spent
  • 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.
  • Uncapped points earning with no expiry date
  • Points can be linked to 9 airline rewards partners
  • Travel Inconvenience Cover
  • Transport Accident Cover
  • American Express provides transaction data feeds to MYOB accounting software
  • No pre-set spending limit means more flexibility
  • Rates
    0%
  • Fees
    30%
  • Rewards
    82%
  • Customer Service
    82%
  • Value
    48%
0% of customers who have rated this card would recommend it
Overall customer rating 48%
2 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 $50,000
Fees & repayments
Annual fee $169 p.a.
Additional cardholder fee Up to 99 at no extra cost
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 Yes
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Cover for business travel
Business trip completion cover
$80 Membership Rewards fee (enrolment optional)

The American Express Gold Business Charge Card

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. For an additional $80 p.a. you can enrol to Membership Rewards Ascent program and earn 1 point for $1 spent on all other purchases and 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. Transfer your points to 9 airlines, redeem online at davidjones.com.au or pay off your balance on your card with points for credit.

What we love...

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.

Access to American Express global customer service and American Express Access Line that lets you settle payments with your domestic and international suppliers using your American Express Card, even if they don’t accept American Express Card payments.

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.

Why should you choose this card?

For excellent business charge card and option to earn and redeem points.

Overall Rating

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

2 questions (showing the latest 10 Q&As)

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.
  • 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 Gold Business Charge Card
American Express Gold Business Charge Card

American Express Credit Cards

American Express Gold 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 Gold Business Charge Card

American Express Gold Business let’s you earn up to 1 Membership Rewards point per dollar 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. This business credit card also offers up to 51 credit Free Days on your purchases and a range of travel covers. *This is a charge card, so it has no pre-set spending limits and no interest charges, so you can make the most of your cash flow.

Key features

  • 1 Membership Reward point per $1 spent
  • 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.
  • Uncapped points earning with no expiry date
  • Points can be linked to 9 airline rewards partners
  • Travel Inconvenience Cover
  • Transport Accident Cover
  • American Express provides transaction data feeds to MYOB accounting software
  • No pre-set spending limit means more flexibility

Customer Reviews

American Express Gold Business Charge Card

48% rating based on 2 reviews

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 $50,000

Fees & repayments

Annual fee $169 p.a.

Additional card holder fee Up to 99 at no extra cost

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 Yes

Transport accident cover No

Smartphone Screen Insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Extras

Cover for business travel

Business trip completion cover

$80 Membership Rewards fee (enrolment optional)

Our Review

Editor Review

The American Express Gold Business Charge Card

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. For an additional $80 p.a. you can enrol to Membership Rewards Ascent program and earn 1 point for $1 spent on all other purchases and 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. Transfer your points to 9 airlines, redeem online at davidjones.com.au or pay off your balance on your card with points for credit.

What we love...

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.

Access to American Express global customer service and American Express Access Line that lets you settle payments with your domestic and international suppliers using your American Express Card, even if they don’t accept American Express Card payments.

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.

Why should you choose this card?

For excellent business charge card and option to earn and redeem points.

Overall Rating

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

Pros

  • Complimentary insurance covers

Cons

  • 1 point per $1 spent is the highest earning ratio available
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.

2 questions (showing the latest 10 Q&As)

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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