Connecting to better
American Express Business Gold Plus Card
Bonus Point
Interest Rates
100000
0
Reward Point
1.5
Annual fee
$395
Pros.
Receive 100,000 Membership Rewards Bonus Points
Earn 3 points per $1 spent with Xero, Google Ads, Meta, Amazon Web Services (AWS) and Dell
Get up to $550 in statement credits for eligible spending with Xero, Google Ads, Meta, AWS and Dell
Enjoy a premium Sleek metal card as the primary cardholder
Complimentary travel insurance included (terms, conditions and exclusions apply)
Cons.
A $75 annual fee applies for each additional card after the first two.
Once you reach 200,000 points per calendar year, the earn rate decreases to 1 point per $1 spent.
The American Express Business Gold Plus Card helps you manage business expenses while earning points through the Membership Rewards Ascent program. Currently, you can earn 100,000 Membership Rewards Bonus Points when you apply as a new Amex cardholder by 17 June 2025, are approved, and spend at least $5,000 on eligible purchases within the first 3 months from approval.
Additionally, the card includes a complimentary Membership Rewards program and allows up to 2 additional cardholders at no extra cost. Cardholders also enjoy complimentary domestic and international travel insurance (terms and conditions apply, including age limits, pre-existing medical conditions, and coverage limits).
Details
Product Details
Product Name
American Express Business Gold Plus Card
Balance transfer rate p.a.
N/A
Balance transfer limit
N/A
Purchase rate p.a.
0
Interest-free days
Up to 55 dayson purchases
Cash advance rate p.a.
N/A
Min credit limit
N/A
Card type
Fees & Charges
Annual fee
$395
Minimum monthly repayment
N/A
Late payment fee
$20
Foreign currency conversion fee
3%
Cash advance fee
N/A
Overseas cash advance fee
N/A
Additional cardholder fee
$75
Number of additional cardholders
99
Eligibility
Available to temporary residents
No
Minimum income
N/A
Joint application
No
Rewards
Rewards program
1.5
Bonus points
100000
Rewards points per $ spent
1.5
Rewards points cap
100,000
How to Apply
You can apply for the American Express Business Gold Plus Card online and may receive a response within 48 hours. Before you proceed to the American Express application page, ensure that you meet the eligibility criteria and have all the required documents and details ready.
Eligibility Criteria
Business requirements: You must have an active ABN (Australian Business Number) and your business must be registered for GST. Your business should also generate an annual revenue of at least $75,000.
New card member: To qualify for the bonus points, you must not currently hold or have held an American Express card within the past 18 months.
Credit history: A good credit history with no payment defaults is required.
Residency: You must be an Australian citizen or permanent resident.
Age: Applicants must be at least 18 years old.
Required Documents
Personal details: You will need to provide your full name, email, residential address, date of birth, and contact number. A valid ID, such as your driver's licence or passport, will also be needed.
Business details: This includes your ABN, financial information, and your accountant’s contact details.
Financial details: You will need to provide documents showing your minimum required annual income. You may also need to include your accountant's details.
Card benefits
You can apply for the American Express Business Gold Plus Card online and may receive a response within 48 hours. Before you proceed to the American Express application page, ensure that you meet the eligibility criteria and have all the required documents and details ready.
Eligibility Criteria
Business requirements: You must have an active ABN (Australian Business Number) and your business must be registered for GST. Your business should also generate an annual revenue of at least $75,000.
New card member: To qualify for the bonus points, you must not currently hold or have held an American Express card within the past 18 months.
Credit history: A good credit history with no payment defaults is required.
Residency: You must be an Australian citizen or permanent resident.
Age: Applicants must be at least 18 years old.
Required Documents
Personal details: You will need to provide your full name, email, residential address, date of birth, and contact number. A valid ID, such as your driver's licence or passport, will also be needed.
Business details: This includes your ABN, financial information, and your accountant’s contact details.
Financial details: You will need to provide documents showing your minimum required annual income. You may also need to include your accountant's details.
Rates & fees
Annual Fee
This card has an annual fee of $395.Additional Cards Fee
You can request up to two employee cards at no additional cost. After that, each extra card will incur a $75 annual fee.Interest-Free Purchases
As a charge card, this card does not have an interest rate. You must pay off your balance in full each month to avoid any penalty fees.Extended Credit Days
You can extend your cash flow for up to 55 days, depending on when you make a purchase and when your repayment is due.Flexible Spending Power
Although there is no predefined spending limit, the amount you can charge to the card will be determined by your credit history, spending behavior, and financial capacity.Flexible Payment Option
You have the option to pay off part of your balance over time using the Flexible Payment Option (subject to your limit). If you don't pay your full balance by the due date, interest will be charged. For more details, review the full terms and conditions for the Flexible Payment Option.