AMEX Gold Business Card – Rates & Fees

Information verified correct on June 25th, 2016
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Benefit from competitive rates and fees while enjoying perks like bonus membership rewards and other gold status privileges when you apply for the AMEX Gold Business Card.

When you sign up for this AMEX charge card, you can get 10,000 bonus reward points right away as a welcome gift. Once you become an AMEX Gold Business charge card member, you will benefit from a competitive annual fee of $169, and no interest charges or pre-set spending limits. All you have to do is pay your complete balance each month. If you don’t think this card is the right fit for you and your business, AMEX offers other options.

Product NameAmerican Express Gold Business Card
Rewards ProgramMembership Reward Ascent
Offer end date28 June 2016
Annual fee$169 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you dont have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 51 days on purchases
Minimum Monthly Repayment2.5% or $30
Minimum Income$24,000
Card TypeAmerican Express
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover2 months
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$24,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Annual Fee$169 p.a.
Minimum Repayment2.5% or $30
Over Limit Fee$0
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$119 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Pros
  • You can enjoy up to 51 interest-free days.
  • There is no spending limit with this card.
  • You can enjoy complimentary travel insurance with this card.
Cons
  • 2.5% monthly repayment is required.
Rewards ProgramMembership Reward Ascent
Bonus Points on Sign-up10,000
Rewards Points per $ (VISA/MC)0
Rewards Points per $ (AMEX)1
Rewards Points per $ (VISA/MC) CapN/A
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

AMEX Gold Business Card review

The AMEX Gold Business Card is a charge card that gives you the opportunity to get the things you need for your business while earning reward points through the Membership Rewards program. While there are no interest charges on this card, there is an annual fee of $169 along with a Membership Rewards fee of $80 per annum. This latter fee is optional and only charged to you if you enrol in the Membership Rewards Ascent program.

With the rewards program, you have the chance to earn up to 1 point for every $1 you spend through your charge card. You will also receive a gift of 10,000 bonus points when you sign up for the card before 28 June 2016, are approved, and spend $1,000 in the first 2 months of membership.

You can also enjoy additional features like credit-free days on purchases, strong security features, and travel insurance. The American Express customer service also allows you to track your spending online or through instant alerts no matter where you are in the world. You will also have access to online account management tools as well as 24/7 customer service. Each AMEX Business Card has its own features. Be sure to compare available offers so you get all of the features you want or need.

Benefits of the AMEX Gold Business Card

  • Earn up to 1 point for each $1 you spend using your card. When you make any purchase using your AMEX Gold Business Card, you will earn 1 reward point that you can later redeem for a reward. If you pay utility bills, insurance plans (other than ones issued through American Express), or Australian government bodies, you will earn 0.5 for each dollar.
  • Enjoy uncapped rewards points that don’t expire. Unlike other charge card rewards programs, the points you earn through your AMEX Gold Business Card won’t expire, so you can accumulate points without worrying about losing them. Since the reward points are uncapped, you can also earn as many as you’d like without worrying about hitting a pre-set limit.
  • Earn bonus points just for signing up. When you first sign up by 28 June 2016 and get approved for the AMEX Gold Business Card, you will earn 10,000 bonus reward points as welcome gift after you spend $1,000 within the first 2 months of card membership. These points will get you closer to redeeming your first reward through the program.
  • Apple Pay. Checkout conveniently and securely using a compatible Apple device to pay with a single touch using Touch ID within participating apps. Learn more here.
  • Samsung Pay. Make easy, contactless payments using your Samsung device that is registered to the Samsung Pay application and receive $15 credit back when you meet the minimum spend required. Learn more here.
  • Transfer points to airline rewards partner. You can choose to transfer your Membership Rewards points to any of the participating airline rewards partners, namely:
You can also transfer them to either of the two frequent flyer partner programs of American Express: Hilton HHonors and Starwood Preferred Guest.

  • Embedded microchips offer additional security. Your AMEX Gold Business Card will have a microchip embedded in it to provide you with more security whenever you make a purchase.
  • Count on emergency card replacement. If you lose your AMEX Gold Business Card or if it gets stolen, you can count on American Express’s emergency card replacement service to get you a new card as quickly as possible, no matter where you are in the world.
  • Fraud protection will keep your account safe. American Express offers you their online fraud protection guarantee. This offer helps protect your card information when you make purchases through the internet. This protection will help prevent fraud and protect you in case of fraud, so you won’t be responsible for fraudulent charges.
  • Select a PIN number for added security. You can set up a personal identification number that you’ll have to enter in whenever you use your card in certain establishments. This additional line of security can help unauthorised people from using your charge card.
  • 24/7 customer service available. American Express offers you round-the-clock customer service when you become a cardholder. This means that you can get help or service any time of the day wherever you are in the world.
  • Get 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. You can even sign up to receive instant alerts so you know each time your card has been used.

AMEX Gold Business Card features

While the AMEX Gold Business Card has features like the rewards program, security features, and world class customer care, there are more features that can benefit you.

  • Contactless technology. This means that you can make purchases with your charge card without swiping your card, entering a PIN, or signing a receipt, making your shopping experience faster and more convenient.
  • Credit-free days. Much like interest-free days on credit cards, this feature allows you to make credit-free purchases on designated days.
  • No spending limits. With the AMEX Gold Business Card, you don’t have a pre-determined spending limit like you would on other cards. This means that you can use the card as much as you like without worrying about maxing out your card.
  • No interest charges. There are also no interest rates attached to your card. You simply have to pay off the balance each month.
  • Travel inconvenience cover. This 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.
  • Competitive annual fee. While most cards come with a hefty annual fee, the AMEX Gold Business Card has a competitive fee of only $169

How to apply for the AMEX Gold Business Card

Before you apply for the AMEX Gold Business Card, or any other charge card, you should first make sure that you are eligible for the card. This will save you from wasting your time filling out an application and later on realise that you aren’t eligible for the offer.

Eligibility criteria

  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have an annual income of at least $24,000 before taxes
  • Have a good credit history with no reports of defaults or bad debt

Required documents

  • In order to verify your identity, you’ll need a valid driver’s license, a passport, an Australian birth certificate, and/or your Medicare card.
  • You’ll need financial documents proving that you make the minimum required annual income. This may also include your accountant’s information.

Please be advised that only sold traders and companies are able to apply for this charge card online. All other businesses have to speak to a specialist who will help them through the process.

The AMEX Gold Business Card helps you manage your business expenses while earning reward points and benefiting from additional features offered by American Express.

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12 Responses to AMEX Gold Business Card – Rates & Fees

  1. Default Gravatar
    susan | November 12, 2015

    I know I am covered for travel insurance with gold amex card but where can I find the details of the policy to see exactly what is covered.?

    • Staff
      Ysa | November 13, 2015

      Hi Susan,

      Thanks for your inquiry.

      Please refer to the link I have forwarded to your email for the full outline of the American Express Gold Business Card insurance policy.

      Cheers,
      Ysa

    • Default Gravatar
      Edmond | January 30, 2016

      Can you provide me with the details of insurance cover for a Gold Card member?

    • Staff
      Sally | February 1, 2016

      Hi Edmond,

      Thanks for your question.

      The travel inconvenience cover will cover you for flight delays, missed connections or delayed luggage when you purchase your trip on your card.

      I’ve emailed you a link to the terms and conditions for your perusal.

      I hope this has helped.

      Cheers,

      Sally

  2. Default Gravatar
    Bev | February 3, 2015

    Hi

    I’m wondering if a person who doesn’t have a business can apply for this AMEX gold business card because you state ‘Everyone can now have an AMEX gold business card.’

    I ask this because you also state ‘Please be advised that only sold traders and companies are able to apply for this charge card online. All other businesses have to speak to a specialist who will help them through the process.’

    As I have already bought my airline ticket, if I DO get an AMEX card now will I be given complimentary travel insurance or must the ticket be paid for with the AMEX card to qualify? Thank you. Bev

    • Staff
      Jonathan | February 3, 2015

      Hi Bev, thanks for your inquiry!

      That is correct the AMEX Gold Business requires that “only sold traders and companies are able to apply for this charge card online. All other businesses have to speak to a specialist who will help them through the process.” Also to activate the complimentary travel insurance “Cover is effective when you pay the full fare for a Trip on the American Express Gold Business Card Account or with American Express Membership Rewards points.”

      I hope this helps.

      Cheers,

      Jonathan

  3. Default Gravatar
    Darren | October 28, 2012

    Can you tell me what the 8 airline programs I can transfer my rewards over to & is it a 1 for 1 transfer

    • Staff
      Jacob | October 29, 2012

      HI Darren. Thanks for your question.
      American Express Rewards frequent travel partners are: Velocity Frequent Flyer (1 Membership Rewards Point for 1 Velocity Point), Air New Zealand (100 Membership Rewards Points for 1 Airpoints dollar), Asia Miles (1 Membership Rewards is equal to 1 Asia Miles), Etihad Airways (1 Membership Reward point is equal to 1 Etihad Guest Miles), Malaysia Airlines (1 Membership Rewards point is equal to 1 Enrich Miles), Singapore Airlines (1 Membership Rewards point is equal to 1 KrisFlyer Mile) & Thai Airways (1 Membership Rewards point is equal to 1 Royal Orchid Plus miles) & Virgin Atlantic (1 Membership Rewards point is equal to 1 Flying Club Mile). Cheers.

  4. Default Gravatar
    Stuart | May 16, 2012

    Can points earned on this Business Card be re-distributed to other employees?
    Can the points be used for personal expenses?

    • Staff
      Jacob | April 5, 2013

      Hi Stuart. Thanks for your question and apologies for the delay in getting back to you. If you would like to reward your employees, you can give them the rewards you’ve redeemed with your points, but you can’t give them the points themselves. Say you wanted to give your employees a free return flight as an end of year bonus, you can use the points that have been credited to the main account and book flights in their name, and then send them the vouchers/tickets. The same with all American Express Membership Rewards. You can’t transfer the points to their account / frequent flyer membership, but you can give them the rewards. Jacob.

  5. Default Gravatar
    Wenny | May 15, 2012

    I would like to apply for a business credit card however, my business has not been running for long, it has started on 8 March. In addition, no funds has been actioned. Am I still able to apply for the card if i don’t have a verification of an tax accountant to state my business is legit?

    • Staff
      Jacob | April 5, 2013

      Hi Wenny. Thanks for your question. Sorry about the delay in getting this response back to you, but for future reference and if anyone else would like to know, if your business is still in its infant stages, you can fill out the application and list your account’s contact details. American Express will liaise with your account to work through the application and assess you eligibility. Even if your business is still in the beginning stages of start up, you may still be eligible to apply for this card. Hope this helps.

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