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120,000 Spend $3,000 within 2 months of approval date
American Express Qantas Business Rewards Card
American Express Qantas Business Rewards Card

American Express Credit Cards

American Express Qantas Business Rewards Card

Updated 12 October 2021

Receive 120,000 bonus Qantas Points when you apply by 12 January 2022 and spend a minimum of $3,000 on your new card within 2 months of card approval. Plus, enjoy TRIPLE Qantas Points for your business on eligible Qantas flights and complimentary travel insurance.

T&Cs apply. Offer ends 12 January 2022

Points Earn Rate (per $1 spent)

1.25 points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

120,000 pts

Spend $3,000 within 2 months of approval date

Pros and cons

  • 120,000 bonus Qantas Points when you apply by 12 January 2022 and spend $3,000 within 2 months of card approval.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services.
  • Earn 1.25 Qantas Points per $1 spent on everything else, except for utilities, insurance (with the exception of American Express) and government bodies where you’ll earn 0.5 Qantas Points per $1 spent.
  • Earn TRIPLE Qantas Points for business on eligible flights.
  • Earn additional 3 points per $1 (up to 40,000 points) on top of the standard earn rate when you save the American Express Shop Small offer on your card and spend at participating small businesses by 31 March 2022.
  • Receive two domestic Qantas Club lounge passes per year.
  • No pre-set spending limit.
  • Up to 51 days cash flow.
  • Monthly statements include GST itemisation.
  • Complimentary Domestic and Overseas Travel Insurance for both Card Members, their partner and their employees. Must use their American Express Qantas Business Rewards Card to pay for their return trip to be eligible.
  • Up to 99 Employee Cards at no extra cost.
  • You don’t pay interest since it’s a charge card and not a credit card.

  • High annual fee.
  • You have to pay off the card in full each billing cycle.

Creditcard.com.au review

Editor Review

American Express Qantas Business Rewards Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The American Express Qantas Business Rewards Card with 120,000 bonus Qantas Points

Want more from your business card? You got it! Simply packed with features, the American Express Qantas Business Rewards Card could provide you with everything you need for your business. From rewards to business tools, complimentary insurances to travel perks, this card has all that and more!

What we love...

One of the first features to grab our attention on the American Express Qantas Business Rewards Card was its introductory offer. New card members who apply by 12 January 2022 and spend $3,000 on their card within 2 months of approval will be credited with 120,000 bonus Qantas Points. The bonus Qantas Points will be awarded to your Qantas Business Rewards account within 8 to 12 weeks after you have met the spend criteria.

No matter what you choose to use your points for, there’s no denying that with the chunk of points you can play with, it’s a pretty good offer.

On to the everyday earn rate, which we’re pleased to say, doesn’t disappoint. Using your card for a wide range of everyday business purchases, you can easily turn your expenses into rewards. Big rewards. Your earn rate is as follows:

  • 2 Qantas Points per $1 spent on Qantas products and services,
  • Up to 1.25 Qantas Points per $1 spent on everyday purchases
  • 0.5 Qantas Points per $1 spent on utilities, insurance (with the exception of American Express), and government bodies
  • Triple Qantas Points for business on eligible flights.

If you want to earn more points, save the Shop Small offer to your card and spend at participating Shop Small businesses to receive 3 extra points per $1 spent, up to 40,000 extra points. Offer runs until 31 March 2022.

But of course, this is more than just a rewards card. It also offers a dizzying array of usable extras. As a cardholder, you will receive two domestic Qantas Club lounge passes per year, once your business makes an eligible Qantas purchase on your card during that year.

You’ll also receive complimentary Qantas Business Rewards membership, offering you a saving of $89.50, while providing your business access to savings of 5-8% on the base fare of eligible Qantas flights, 20% off Qantas Club membership and more.

With Qantas Business Rewards membership, you will also have the flexibility to transfer your Qantas Points to any Qantas Frequent Flyer account. This could allow you to offset business travel costs, or alternatively, reward yourself, your staff or your family with flights, upgrades or products from the Qantas Store.

What’s not so great...

As a business rewards card, the American Express Qantas Business Rewards Card doesn’t give us much to complain about. There is a significant standard annual fee, but you do get plenty in return. You may also find the annual fee is tax deductible, as long as the card is used solely for business purposes.

Why should you choose this card?

In order to work out whether this card is right for you, it’s important to understand the fundamentals behind how the card works. It’s actually not a standard credit card – it’s a charge card with no pre-set credit limit and no interest charges.

All you need to do to use the card is make sure the balance is paid off in full each month. It’s also worth noting that you can have up to 99 supplementary cards on one account, with no annual fee charged.

If that sounds like it’s what your business needs, let’s take a closer look at some of the other features on offer.

You can enjoy peace of mind with a range of complimentary insurances, including domestic and international travel insurance cover for you, your partner and employees holding supplementary cards, when the card is used to cover travel arrangements. Travel inconvenience cover and transport accident cover are also provided.

AccessLine from American Express allows business owners to make domestic and international payments including to Merchants who don't accept Card payments. Additionally, Card Members can earn Qantas Points on all AccessLine payments. A Trade Service Fee of 2.15% applies.

The card also provides up to 51 days interest free on purchases, emergency card replacement and global customer service, plus transaction data feeds to MYOB accounting software, and the ability to download statements and transaction details, view balances and keep track of business expenditure using Quicken, MYOB or Microsoft Excel.

Overall Rating

An exceptional business rewards card providing charge card capability and a host of features, perks, and 120,000 bonus Qantas Points as an introductory offer.

User reviews

American Express Qantas Business Rewards Card ( based on 5 Creditcard.com.au user reviews )

78% rating based on 5 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

Luis Alves

13 March 2019

This card it may be the best around

Recommends this card

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 $450 p.a.

Additional cardholder fee Up to 99 at no extra cost

Foreign transaction fee 3%

Minimum repayment $30 or 2.5% (whichever is greater)

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 120,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 within 2 months of approval date

Earning points with this card

Qantas Rewards points 1.25 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 No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Two Qantas Lounge domestic passes every year

Eligible with Apple Pay, Samsung Pay and Google Pay

Complimentary Qantas Business Rewards membership (saving $89.50)

Overview

American Express Qantas Business Rewards Card

The American Express® Qantas Business Rewards Card has a special offer of 120,000 bonus Qantas Points when you spend $3,000 within 2 months of your approval date. New Card Members only.

Receive TRIPLE Qantas Points for your business on eligible Qantas flights. That’s on top of the 2 Qantas Points per $1 earned when you use your Card to pay for flights. Earn 1.25 Qantas Points per $1 spent on everything else, except for utilities, insurance (with the exception of American Express) and government bodies where you’ll earn 0.5 Qantas Points per $1 spent. Card members also have a chance to earn up to 40,000 extra points when they save the American Express Shop Small offer on their card and spend at participating small businesses by 31 March 2022.

Receive complimentary Qantas Business Rewards membership (saving $89.50), which gives your business access to savings of 5 – 8% on the base fare of eligible Qantas flights, 20% off Qantas Club membership and more. Receive two domestic Qantas Club lounge passes per year and complimentary domestic and international travel insurance cover for you, your partner and employees holding Supplementary Cards when you use your Card to pay for your travel arrangements. *This is actually a charge Card with no pre-set spending limit and no interest charges. All you need to do is pay off your balance in full each month.

Key features

  • 120,000 bonus Qantas Points when you apply and spend $3,000 within 2 months of your approval date
  • Receive TRIPLE Qantas Points for your business on eligible Qantas flights. That’s on top of the 2 Qantas Points per $1 earned when you use your Card to pay for flights
  • Earn 2 Qantas Points per $1 spent all Qantas Products and services
  • Earn 1.25 Qantas Points per $1 spent on everyday purchases
  • Earn 0.5 Qantas Points per $1 spent on utilities, insurance (with the exception of American Express) and government bodies
  • Earn additional 3 points per $1 (up to 40,000 points) on top of the standard earn rate when you save the American Express Shop Small offer on your card and spend at participating small businesses by 31 March 2022
  • Receive complimentary Qantas Business Rewards membership (saving $89.50), which gives your business access to savings of 5 – 8% on the base fare of eligible Qantas flights, 20% off Qantas Club membership and more.
  • Qantas Business Rewards also gives your business the flexibility to transfer Qantas Points to any individual Qantas Frequent Flyer member
  • Enjoy two complimentary domestic Qantas Club lounge passes per Card membership year
  • Complimentary domestic and international Travel Insurance for you, your partner, dependents and Supplementary Card Members
  • $0 Supplementary Cards (up to 99)

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

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 Questions

Something you need to know about this card? Ask a our credit card expert a question.

29 questions (showing the latest 10 Q&As)

Peter

Peter

15 September 2021
If cancelled my amex card about 4months ago. Am I still eligible for this deal?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 September 2021
    Hi Peter, the bonus points offer is only available to those who do not have or have not had any other American Express card in the last 18 months. If you are looking to earn Qantas points, there are other credit cards available that have the same rewards program. You can check the list of personal use Qantas cards we have or start a comparison of other business credit cards for your options.
Jorge

Jorge

28 August 2021
If I was an amex supplementary card hold in March 2021. will I be eligible to apply and receive the bonus points.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 August 2021
    Hi Jorge, great question. We did some digging into the Amex T&C’s for you and found that Additional Card Members could be eligible for bonus points. However, we’re not Amex and I recommend giving Amex a call on 1300 366 549 to chat through the options further. Let us know how you go, we’d love to write an article to help other users with this question.
Nikita Singh

Nikita Singh

24 May 2021
Can the $450 Qantas Flight voucher be used to pay the annual fee. And if I am not able to redeem it myself can the voucher be transferred to someone else.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 May 2021
    Hi Nikita, thanks for your question! As per the current offer for American Express Qantas Business Rewards Card, the $450 Qantas Flight Voucher will be issued when you give your Qantas Frequent Flyer membership number when you sign up and you meet the spend requirements. Whilst you can’t actually use the voucher to pay the annual fee, think of it as added value that offsets the annual fee. Hope this has helped.
Shar

Shar

20 May 2021
Hi, What does it mean by redeeming $450 voucher to offset annual fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 May 2021
    Hi Shar, thanks for your question! If you apply and are approved for an American Express Qantas Business Rewards Card by 30 June 2021, and meet the spend requirement, aside from the bonus Qantas points, you’ll also get a $450 Qantas flight voucher. You can use this voucher on your future flights OR redeem it to pay for the card’s annual fee. Hope this helps!
John

John

8 March 2021
If I have an existing AMEX account will i be eligible? Can both directors in a company of two apply for this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 March 2021
    Hi John, unfortunately you won't be eligible. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. One individual can apply to be the primary cardholder and additional cards can be requested and issued to employees.
Jeraldine

Jeraldine

15 February 2021
Hi. If I apply online for the business credit card, will I get a decision straight away? Will the decision be based on my personal income? thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2021
    Hi Jeraldine, You will not get a decision right away for this card. Amex aims to get back to you within 5-10 business days. The primary income requirement is that your business has an annual revenue of at least $75,000 per year, and your personal income will be factored in as well.
Foram

Foram

11 January 2021
do domestic and international lounges require different passes? If the card mentions specifically domestic/international, does it mean the other one is not applicable?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 January 2021
    Hi Foram, its all a changing world in the travel / lounge space at this time. Yes domestic and international lounges require different passes. Looking in more detail at the current offer. You get two complimentary domestic Qantas Club Lounge passes each year. I cannot see any international passes with this card at this time.
John

John

8 December 2020
The minimum income criteria is 75000 is that personal income of the director or minimum business turnover? Being a business charge card is it applied for by the company and the director as a guarantor or does the director apply personally?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 December 2020
    Hi John, checking the application criteria - To apply for an American Express Qantas Business Rewards Card you’ll need to meet the following criteria: Be over 18 years of age, Be an Australian citizen or a permanent resident, Have a good credit history and no payment defaults, Have an annual business revenue of $75,000 or more and Your business must have a valid ABN registered for GST. Therefore its definitely minimum business turnover.
John

John

27 November 2020
Being a charge card can you deposit more money into the card to make purchases larger than the limit like a credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 November 2020
    Hi John, in theory this should be possible. Assume this is a one off? If not you should look to increase your credit limit. If you have a debit balance. Then your spend amount would be the debit balance plus the credit balance.

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