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American Express Business Gold Card

The AMEX Gold Business Card is a charge card that is designed to help businesses cost effectively acquire the goods and services they need while earning reward points through the Membership Rewards program. There are no interest charges on this card, though the full balance on the card must be cleared each month. The card has an annual fee of $169 plus a Membership Rewards fee of $80 per annum. This rewards fee is optional and only charged to you if you enrol in the Membership Rewards Ascent program, which you will need to do if you wish to earn points for your spending.

Introductory Offer: 10,000 Membership Rewards Points

Offer conditions: Card Members who currently hold or who have previously held any other Consumer Credit Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. To earn the Bonus Points spend $1,000 in the first 2 months of Card Membership.

  • Rewards for your spending - Earn up to 1 Membership Rewards point per $1 spent
  • Tap & Go payments - Make purchases with your charge card upto $100 without swiping your card, entering a PIN, or signing a receipt.
  • Up to 51 Interest-free days - on purchases 
  • No spending limits - No pre-determined spending limit so you can use the card as much as you like without worrying about any maximum spend limits.
  • No interest charges - By paying off the full balance on your card each month.
  • Travel inconvenience cover - Complimentary insurance covers you for missed flight connections, flight delays, and delayed luggage should you have purchased your trip through your business card.
  • Transport accident cover - You also get this insurance that will cover you in the instance of lost limb or life while travelling.
  • Monthly itemised statements for your account - Each month, you will get an account statement that tells you exactly what you spent so you can keep track of your business expenses easily.
  • Utilise online account management tools - You will have access to online account tools so you can easily keep track of your business account from anywhere in the world.
  • Spend Alerts - You can sign up to receive instant alerts so you know each time your card has been used.

Earning Points for your Business Spending

  • 1 point for $1 spent on all other purchases, except those listed in 0.5 points
  • 0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies.
  • Your Membership Rewards points are not capped and they don't expire.

What can the Points be used for?

  • Transfer points to any of our 9 airline rewards partners, including Velocity, Emirates, Asia Miles and Singapore Airlines and 2 leading frequent guest partner programs.
  • Use your points to shop online at or choose from a range of Gift Card partners.
  • Help the cash flow of your business and pay off the balance on your Card with Points for Credit or select individual transactions on your online statement.
  • Redeem your points instantly in store with Harvey World Travel or redeem your points for foreign currency
Credit Card Details
Provider American Express
Prestige Level Gold
Credit Card Type American Express
Instant Approval No
Standard Rates
Purchase Rate -
Cash Advance Rate -
Interest Charged From Purchase date
Interest Free Period Up to 51 days
Balance Transfer
Balance Transfer Rate -
Balance Transfer Period -
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer 10,000 Membership Rewards Points
Offer end date -
Rewards Program Membership Rewards Ascent program
Rewards Points 1 point for $1 spent on all other purchases, except those listed in 0.5 points 0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies. Points are uncapped
Acceptance Criteria
Age to Apply 18
Min. Income $24000
Residency Australia
Temporary residents No
Min. Credit Limit -
Joint applicants No
Fees & Terms
Min. Monthly Repayment -
Annual Fee $169
Over Limit Fee $0
Duplicate Statement fee $7
Late Payment Fee $20
Min. Monthly Repayment % 100%
Max. Credit Limit No Limit
Cash advance fee -
Additional card holder fee $119
Travel & Insurance
Foreign currency conversion fee -
Overseas atm withdrawal fee -
Complimentary travel insurance -

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.