The right tools can make the “work” of business easier, from everyday operations to expanding into overseas markets. In this guide, we’ll look at 3 simple but powerful financial tools that – with a tap of the card – are helping Aussies businesses save money and scale smarter.

Amex Platinum Business Card: premium travel perks, points and business tools

ANNA Money Business Card: $0 international fees, 0% interest, and free employee cards

Ampol Fuel Card: big fuel savings, spending control and customisable add-ons

These tools each target a different aspect of your business, so you can pick and choose the most relevant for the stage your business is at and how you operate. They’re flexible enough to work for sole traders and small businesses through to large corporations.

And, while business tools can combat rising operational costs, it also streamlines your day-to-day activities which makes scaling more efficient.

For example, you can:

Manage employee spending in real time
Reduce admin errors and overall workload
Stay compliant with ATO requirements and make BAS time easier

So, let’s take a look at how to use these powerhouse tools to optimise, grow and save money in your business.

1. AMEX Platinum Business Card: Travel rewards and international benefits

Whether your business is located solely in Australia or you’re already branching out overseas, business credit cards can offer enormous cost-saving benefits and account management support.

A card like the Amex Platinum Business includes a host of features for frequent travellers, earns Amex Membership Rewards points that can be redeemed flexibly for goods, services or partner airline points, and integrates seamlessly with popular accounting software.

In short: Amex Platinum Business credit card can help your business flow more smoothly domestically and internationally, and save on travel costs at the same time.

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2. ANNA Money Business charge card: Save on expensive foreign fees

Many businesses today purchase from overseas suppliers, including Software as a Service (SaaS) subscriptions. But, foreign transaction fees, which are normally 2-3% of the purchase amount, can be a substantial cost each month, especially for small businesses. The ANNA Money credit card solves that problem and can be a brilliant tool for money management without the big fees.

Plus, this card has four tiers, so you can choose the level of features that fit your business and your budget. Each tier unlocks more complimentary employee cards, a higher credit limit and more travel perks.

The tiered system is what makes the ANNA Money Business credit card so flexible as you scale your business (one of the tiers is literally called “The Scale”). You can move up and down the tiers at any time. Depending on the tier, you can choose from a $5000 credit limit up to $500,000, which is much higher than many other Australian lenders.

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3. Ampol Fuel Card: Control on-road expenses for all business sizes

Fuel is an expensive part of running a business, especially if your operations rely on deliveries, multiple vehicles, trucks, quoting customers or visiting sites. Fuel cards can give you quick wins in reducing petrol costs and controlling and monitoring employee spending, whether you have a couple of utes or a whole fleet./p>

The Ampol Fuel Card does all that and more, starting at $2.95 per vehicle per month. When you link your Ampol Fuel Card to your Everyday Rewards account, you’ll earn points to redeem towards purchases from Woolworths, Big W or BWS, or transfer them to Qantas Frequent Flyer Points.

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Which card should you choose?

Each of these tools solves a different challenge for businesses. Which one you choose will be determined by the size of your business, your scaling momentum and your travel requirements (air or road).

Choose the AMEX Platinum Business card if you travel frequently or are building global partnerships.
Choose the ANNA Money Business card if you make frequent international payments and want basic travel benefits.
Choose the Ampol Fuel Card if your business relies heavily on vehicles and you want helpful rewards thrown in.

You might find that a combination of tools works better for your business. For example, the Amex Platinum Business credit card might suit for overseas travel, and the Ampol card saves on your on-the-ground vehicle costs for a few dollars a month.

As your business grows, the types of business tools you’ll use will change. That’s why cards like the ANNA Money Business card are helpful too: it allows you to seamlessly scale as your business grows without switching financial products.