The American Express® Business Gold Plus Card

Key facts

Annual fee

A$395

Network

AMEX

Welcome offer

Earn 250,000 Bonus Membership Rewards® Points 1 when you apply by 3 November 2026, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.

Benefits and perks

• Smartphone Screen Cover. Covering up to $500 for repairs if you break your screen when you pay for your phone outright or monthly bill with your American Express Credit Card. A 10% excess applies to the claimed amount. 5
• Additional Cards at no extra cost. Share the benefits of Membership with up to 4 Additional Cards for family members or friends, at no extra fee 6
• Up to 55 Days to pay for purchases 4. With up to 55 days to pay for eligible purchases, your Business Gold Plus Card can help your Business manage everyday expenses, navigate changing cash flow needs, and stay ready for new opportunities.
• Pay virtually any supplier with AccessLine®9. AccessLine® allows you to use your Card to make domestic payments to businesses, even if they don’t accept Card. You’ll also earn points on every dollar spent. Enrolment required, subject to approval and T&Cs apply. 9
• Use your Smart Device to Pay 20. Leave your wallet at home and use your mobile or wearable device to pay on your linked Card in Apple Pay®, Samsung Pay, or Google Pay™.
• Replacement Cards. Virtually anywhere you are in the world, American Express can usually replace you or your employee's lost or stolen Card within 48 hours. 21
• Fraud Protection. Your Business Gold Plus Card is protected with global fraud detection and unauthorised transaction liability coverage, helping to shield your business from unauthorised transactions on your Account. 22
• Manage Your Account with the Amex App 23. Manage and view activity from your Account, access your benefits, redeem points, and request support from anywhere in the world with the Amex App.
• Monitor Employee expenditure. Gain added visibility and control over your business's finances by consolidating key employee expenditure with Employee Cards 2 – all while earning points at the same rate as your Primary Card. You’re eligible for two complimentary Employee Cards. Each additional Employee Card has an annual fee of $75.
• Link your Card to Xero, QuickBooks Online or MYOB to streamline your business finances. Automatic transaction feeds help reduce manual data entry and make reconciliation faster and easier. Enrolment required.
• Xero- $100 Back. Spend $100 in one or more transactions, online at www.xero.com/au to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
• Google Ads- $100 Back. Spend $100 in one or more transactions, online at ads.google.com to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
• Meta- $100 Back. Spend $100 in one or more transactions, in-app or online at Meta for Business to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions, and exclusions apply. Benefit ends 31/12/2026.
• Amazon Web Services- $100 Back. Spend $100 in one or more transactions, online at aws.amazon.com to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
• Square- $100 Back. Spend $300 in one or more transactions, online at Square to get $100 back. Benefit redeemable each calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
• Dell- Up to $75 Back (Twice Per Year). Spend online at www.dell.com.au or via phone on 1800 880 855 to receive your purchase amount back as a credit to your account, up to $75 back. Benefit redeemable twice per calendar year after enrolment. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
• Help Offset Business Expenses with Points. Use your Membership Rewards points to pay off transactions, including your rent and utilities using Cover Charges with Points. 10 You can also pay down the balance on your Card using Points for Credit. 11
• Travel with your Points. Redeem your points directly for flights, accommodation or car rental with Webjet, helloworld 12 or the American Express Travel Online booking Service 14.
• Transfer Points to Partners. Your points can also be transferred to a wide range of partners across Airlines, Hotel & Retail. 13.
• Redeem Points for Gift Cards. Turn your points into Gift Cards 15 from leading retailers like Apple, Ikea, JB Hi-Fi and more to reward employees, clients or yourself.
• More Ways to use Membership Rewards. To find out more ways you can use your Membership Rewards points, visit the Membership Rewards Catalogue. Full options available to your Card can only be seen once logged-in with your Account.
• Hilton Honors Silver Status 16. Gain status with our partner's loyalty program. Earn points and enjoy benefits at eligible hotels and resorts within the Hilton Portfolio. To enjoy these benefits, enrolment is required. 16
• The Hotel Collection 17. Book a minimum two-night stay with The Hotel Collection through American Express Travel Online and enjoy a US$100 credit to use during your stay. Plus, 12pm check-in, late check-out and a room upgrade upon arrival, all when available. Credit use varies by property. Certain room categories are not eligible for upgrade 17.
• Car Rental Savings. Enjoy special Hertz 19 benefits when you enrol into Hertz Gold Plus Rewards®.

Questions about the The American Express® Business Gold Plus Card