Business Credit Cards

Updated 6 October 2020

Apply for a business credit card today to make the most of your cash flow, while taking advantage of handy tools, business features and rewards. On this page, you will find a range of business credit cards designed to help your business with its day-to-day cash flow. Ranging from basic to complex, these cards can suit businesses of all sizes, with handy tools on offer that can help with business accounting, spend tracking and much more. It’s simply a case of finding the card that will best benefit your business.

Saving you precious time comparing the options, we have compiled a list of business cards that you can evaluate using our visual comparison tool. Assessing essential features such as annual fees, earn rates and bonus point offers, you can see how strong each feature is at a glance, simply by looking at how filled-in each circle is (or bar, if you’re on a mobile device).

From there, you can evaluate other essentials, such as purchase rate, interest free days, points capping and other features you may find useful. For full info on the card, click or tap to get the stats you need to know, as well as our review of the card in detail.

Deciding between a basic business credit card and one that offers more in the way of features is made easy. Look out for factors such as how many additional cardholders you can add to the account, how much each additional cardholder will cost, and whether you can track and limit each individual cardholder’s spend.

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Earn points on your business expenses

Business credit cards come in all shapes and sizes. With everything from low rate, low fee cards designed to save your business money, to high-end options packed with features and rewards, there is bound to be something to suit your business that will help you manage your cashflow more efficiently, as you make use of the handy business tools on offer.

What are business credit cards and what do they offer?

Whether your business is brand new or long established, whether you are a sole trader or a sizeable company, a business credit card could be just what you need to manage your finances more effectively. So, what does a business credit card actually offer?

  • Separate business spending from personal spending. When you have a business, it’s important to separate business spending from personal spending. But, that’s not always easy, especially if you are a sole trader or small business owner. With a business credit card though, you can easily keep all business transactions separate from personal spending, making dealing with your accounts that much easier.
  • Keep track of business spending. Whether you have a team of two or 20, it’s not always easy to keep track of who is spending what and where. Giving each employee their own credit card however, and tracking spending becomes simple. As each card is held under one business account, you can see how much each employee is spending and where, which again, makes tax time a lot less stressful.
  • Ditch the petty cash. Petty cash becomes a thing of the past with the right business credit card. Whether you have one business credit card that gets used for all business expenses, or you provide a card to all employees who need one, there is no need to keep petty cash topped up – and no need to spend time settling it either.
  • Extend cashflow. Just like personal credit cards, business credit cards allow you to buy what you want now and pay for it later. As long as you use your card correctly, you could take advantage of features such as interest free days on purchases, helping you to save day-to-day while making your cashflow work for you.
  • Allow employees access to funds as needed. Whether you have employees who need to buy office supplies or flights around the world, you can give them access to the funds they need, when they need it. Many business credit cards offer individual spending limits for each cardholder, with the option to limit certain types of transactions in real time.
  • Take advantage of business tools and features. Depending on the business credit card you choose, you could benefit from any number of handy business tools and features. Business tools could include easy ways to export data to accounting software or business budgeting apps, while features could include essentials such as travel insurance, airport lounge access and flight upgrades for frequent business travellers.
  • Earn rewards on business spending. Opting for a business rewards cards allows you to earn rewards points on your business expenses. As long as you choose a card that offers value for your spending, this could be a great way to get something back, to reward either yourself, your employees, or the business as a whole.

How do you choose the best business credit card for your business?

Before you compare business credit cards, first think about what your business needs and what kind of spending and repayment patterns you have. Taking all that into consideration, be sure to assess the following factors carefully.

  • Number of cardholders: Some business cards limit the number of cards that can be held within one account, so think about how many employees will each need a card, and make sure your chosen account allows for this.
  • Overall cost or cost per cardholder: Like personal credit cards, business cards typically charge an annual fee. You will either pay a standard annual fee or an annual fee based on the number of cards in use. Make sure the overall cost offers value in terms of what you are getting in return.
  • Features: Business cards can be basic or filled with features. Consider what you and your employees actually need from the card, and make sure the value of the features on offer is greater than the amount you are paying in annual fees.
  • Rewards: If you want to earn rewards on your business spending, choose a business credit card that offers the most value back on the spending you do most often. Think about the type of rewards you want to earn, whether that’s flights with a certain operator, or products and gift cards that the company can use.
  • Functionality: Whether you want to export spending data to a particular accounting software brand, or track and limit individual cardholder spending in real time, check out the functionality on offer and match that to what you need.
  • Fees: Aside from annual fees, check for any other fees that may apply. If you have a significant overseas spend, for example, you may want to look for a card that charges low or no foreign transaction fees.
  • Interest: If you think you will carry a balance month-to-month, comparing interest rates is essential. Opt for a low rate card that will help you save on interest as you work on keeping your balance down. Or, if you know you will clear your balance each month, look for cards that offer interest free days on purchases.

What should you avoid if you want to make the most of your business credit card?

With a number of cards in use, it’s important that you always keep track of spending. While you should only give cards to employees you trust, it’s still a good idea to track their spending, making sure each transaction as is it should be. Tracking spending can also work to prevent overspending, making sure your business doesn’t over-extend itself.

It’s also important that you pick a business credit card that’s fit for purpose. That means taking into consideration where the card will be used and whether it will be accepted in those places, as well as making sure it offers value on the type of spending your business does most. This is especially true for business credit cards that earn rewards.

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32 questions (showing the latest 10 Q&As)

michael

michael

28 September 2020
do you know of any banks that offer credit cards to f new small business that does not require 12 months of active ABN?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 September 2020
    Hi Michael, no, I believe all require at least 12 months of operations. You can just go for a personal rewards credit card to start. Then move over to a business card once you are eligible.
Tanya Roberts

Tanya Roberts

14 June 2020
Hi, we're a start up and will be doing some large international transactions. Are there any zero international fee Business Cards? If not, can we use a personal card to avoid the 3% charges? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2020
    Hi Tanya, its hard to find any business cards with no foreign fees these days. I just had a hunt and could not find one. Yes you can use a personal card to avoid the foreign fees. I like the Commbank Ultimate Awards due to points earning with no foreign fees and other features.
Rob

Rob

5 June 2020
Our business monthly spend (including ATO/utilities payments) would vary around the 50K-200K a month. We are interested in Qantas points but are open to other suggestions. Balances would be paid in full, 3 cardholders but all owners, basically no foreign purchases. We were looking at the Westpac Business Choice Rewards because of the uncapped points even though the point rate is quite low. What would you recommend? Also some accounts (eg when paying for travel) charge a fee when paying via credit card, does this offset the benefit of Qantas points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2020
    Hi Rob, if there are any surcharges for credit card use. Then this can negate any benefit of points. Bottom line, if the charge is more than the points value you are going backwards. So you need to ensure that any time you are using the card that it has a net benefit with the points. On which card, I would suggest 2. Firstly, looking at the Westpac BusinessChoice Rewards Platinum. The uncapped points is a high light. The points earning is not great but not horrible. The annual fee is $150 for each credit card. So this would be a $450 total for the 3. Then, depending on your what you could use an AMEX for. I would also look at the American Express Qantas Business Rewards Card. Nice features and bonus points plus best in class earn rate of 1.25 Qantas Points per spend. This combination together would work well. Use the AMEX where you can and not get hit for extra fees. That way you will maximise points earnings.
Dan

Dan

22 May 2020
By business is finalising a contract with a new client. We will be providing the client a post paid SaaS offering. Our expenses will likely exceed $100k per month (for a range of technology subscriptions we will need to contract). Looking for the best credit card options that allow longest payment period (without incurring interest) and maximum rewards scheme (particularly where we can use these points to pay off some of the credit card). Essentially we would like to try and maximise our service margin. What options and recommendations do you have?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 May 2020
    Hi Dan, that is a decent monthly spend. AMEX will deliver the best value in regards to rewards points. I would look at the AMEX Platinum Business. Its a charge card so no interest but account has to be settled each billing cycle. The AMEX Qantas Business Rewards could be of interest if Qantas points are a key driver. Outside of AMEX then the points drop down and hard to get a card that can do 100k a month uncapped. Have a look at this NAB card - https://www.creditcard.com.au/nab-rewards-business-signature-card/. Reward point worth are definitely lower but is uncapped and that is a good thing.
John

John

9 March 2020
We are just launching a wholesale business and are wanting to have our retail customers pay us by credit card instead of offering a 30 day account. What are the best options for this?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2020
    Hi John, we are a credit card comparison site. What you are looking for is a merchant facility whereby you can process credit cards. I would speak to your everyday business bank where you have an account to start. See what they can offer with what rates. Then shop around to a few other banks to compare.
Dean

Dean

25 September 2019
Hi There I am running a business since few years. Current Spending or buying each month is between 75k-85k. Looking forward to have some rewards for international travel upgrades, travel insurance, excess to business lounges, holiday packages etc... Basically I love travelling. Wondering if you can suggest me a best suitable cc for my business. Paying with in billing period or on time is not a problem. Amex has limitations to do purchases. Any suggestions?? Regards
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 September 2019
    Hi Dean, I love traveling also! Business rewards tend to be lower due to the high spend on the cards. Outside of AMEX which deliver the highest reward points for business. I like the NAB Qantas Business Signature. With a reasonable 0.75 Qantas points per $ spent. You will be swimming in the points at your sort of spend level. Its capped at $50,000 per statement period/month. So it would only suit up to that amount. I myself have an AMEX as well and use this to maximize points when I can. Actually more than 50% of my spend is on AMEX. This is where the American Express Qantas Business comes in. Its a charge card so you need to pay it off in full (but pay no interest). It has the highest earn rate available at 1.25 Qantas points per $1. Both cards have massive bonus points available. What I find is no one card suits all my needs. I have a number of cards with various earn rates and features. To deliver a complete package that has me flying more.
Cristian

Cristian

26 May 2019
Hi. I am looking for a comparison of 0% balance transfer business cards. Can you help? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 May 2019
    Hi Cristian, unfortunately I do not know of any 0% balance transfer offers for business credit cards. I am not sure you can find one in the market. If you do have high business credit card debt. Then it may be worth moving it to a lower rate business loan if available. In the end, its about trying to reduce the interest you are paying if you cannot pay the debt fully down.
Claire

Claire

25 February 2019
Hi Roland, I have had a small business for 15 years. I have always used a personal credit card for the purchases that require one. There are, however an increasing number of purchases that would be more convenient to make with a credit card, so I have begun exploring business cards. My monthly expenditure would be $2000 to $3000 on average, and I am not overly concerned with interest rate as I intend to pay the full balance monthly. I am interested in a card that has as many benefits as possible, as I figure I might as well make the most of the process. Should I be looking for bonuses like travel insurance and payment protections? Are these worth it? Or am I better off looking for points based rewards programs? Do you have any recommendations?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2019
    Hi Claire, the right features for you will depend on your usage. I like sign up bonus points as they really give you something to get your points flowing. Overseas travel insurance is a good feature when used. Many cards have this so it depends on whether this feature is make or break. AMEX delivers the highest points earning. So if you can use AMEX cards for your monthly spend then they could be a good option. I like earning Qantas points myself to redeem for flights or upgrades. Therefore I would select a card that delivers Qantas points. On AMEX, have a look at the Qantas Business Rewards Card. Its a charge card, rather than a credit card. You need to settle the amount each billing cycle but that is no problem as you pay the balance in full. A great range of features, nice bonus points and best in market earn rate per $1 spent. Outside have a look at NAB with the Qantas Business Signature. Reach out if neither of these cards suits or especially if you are not interested in earning Qantas points.
Peter

Peter

20 February 2019
I am running a business that has been in operation for a little over 20 years without any financial problems. Turnover is $500,000-$700,000 depending on which contracts are being fulfilled each year. I am now launching a new product that will require about $100,000 of expenditure over 3-6 months during the launch. Income to cover interest on payments to a a business credit card will start to come in after 2 months. Annual turnover on a credit card will be $300,000+. Previously I have used a Diners Card, but that requires full repayment every month, which I expect will not be possible over the next year, although expenditure will be kept in check to remain within the limits of the card. I would rather have a $100,000 loan, but they are very hard to come by without surety backing, such as my residence. I would be keen to hear your advice on a strategy for an appropriate Credit Card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 February 2019
    Hi Peter, I am not sure what type of rewards you are interested in. Also if you can pay with an AMEX card no problem. Have a look at the NAB Qantas Business Signature. It has a maximum credit limit of $55,000. On the AMEX side the Business Explorer could work. Both of these are credit rather than charge cards. Would be great if you can pay off the balance in full each period to avoid interest but understand it will be tight for a while. Reach out with any further questions.
G

G

2 February 2019
Hi I’m a sole trader, have an ABN since few months but only starting business up now so income will start flowing in now. Want a CC to allow for fuel and other minor expenses esp to keep personal expenses separate from business. Looking for something with low or no annual fee and reward points for $spent. Plz help with some choices.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 February 2019
    Hi G, I just don't think it will be possible to get approved for a business credit card with a new business like yours. The banks will want you trading for at least 12 months before considering your credit card application. It could be possible to apply for a personal credit card depending on your situation. Though you would then be personally liable for any debt.
Troy

Troy

30 October 2018
Hi, Im looking at getting a new credit card to use for business purchases. Do I have to get a business card or can it be any credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2018
    Hi Troy, many people spend on a personal card. The difference is that then you are personally liable for any debt rather than the business being liable on a business credit card. Some personal credit card rewards programs state they will not give points for business expenses. Though in practice many people are using personal cards and getting points on this type of spend. Bottom line you don't have to get a business card though if its exclusive business use then maybe its not a bad idea.
EVA

EVA

17 October 2018
hi, whats the best business credit card available for monthly purchases around 25-30k p/m Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 October 2018
    Hi Eva, really it comes down to if or how much you can spend on an AMEX and what type of rewards you are after. On a non-AMEX side and earning Qantas points then I like the NAB Qantas Business Signature Credit Card. You can get 100k bonus Qantas points and decent Qantas points earning on your spend. It has a points cap at 50k a billing cycle which should be enough based on your spend. At 30k spend a month you would earn 20k Qantas points. Add in the 100k bonus points and you will be swimming in points pretty quickly. For an AMEX, again with Qantas points as the target. I like the American Express Qantas Business Rewards Card. Its a charge card rather than credit so you need to pay off in full each billing period. It has a great range of features and much better points earning. For a 30k spend you will earn 37,500 points. Nearly double that of the NAB credit card. I personally use a combination of a Visa/Mastercard and a seperate AMEX card to maximise points. I spend on the AMEX mainly and everywhere I can. Let me know neither of these cards work or if you don't want Qantas points but something else.
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