Business Credit Cards Comparison

The cards listed on this page are the Australian business credit cards currently available for online application in Australia.

Business credit cards have advantages for business owners such as tax deductions on spending and prestige benefits only available for those with an ABN (Australian Business Number).

These form of company credit cards generally require the card owner or company to be in a good credit standing. For more information about how business credit cards can benefit your small business, visit our business credit card resources.

Best Business Credit Card

Better manage your cash flow with the CitiBusiness Gold Credit Card. Also get rewarded for your hard work and earn 1.25 reward points for every $1 you spend.

• $149 annual fee
• 20.49% p.a. on purchases
• 20.99% p.a. on cash advances
• 2.99% p.a. for 9 months on balance transfers
• Up to 99 additional cards.

Click here to read the Citibank CitiBusiness Gold terms and conditions

Business Credit Card Comparison

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
Citibank CitiBusiness Gold	Earn 1.25 reward points for every $1 spent – with no point expiry. 1 reward point is redeemable for 1 frequent flyer point among other rewards. Access up to $60,000 in credit limit. Complimentary International Travel Insurance and Business Concierge service.	20.49%	20.99%	2.99% for 9 months	$149	55
American Express Gold Business	Reward yourself and earn 25,000 bonus points when you spend $50,000 each year.	N/A	N/A	N/A	$169	51
American Express Qantas Business Card	Earn Qantas Frequent Flyer points on every dollar spent with the AMEX Qantas Business Card. Redeem for Qantas and Jetstar Any Seat Rewards.	N/A	N/A	N/A	$299		N/A

How do I toss up different business cards when comparing?

As businesses will be likely to make a wide range of purchases, including foreign imports, credit card acceptance plays a large factor in credit card comparison. On the surface, the Business Accelerator card has more generous and appealing features, yet American Express cards have limited acceptance within Australia in relation to Visa and MasterCard.

When comparing business rewards however, the AmEx ‘Membership Rewards’ program is arguably the most competitive rewards program available to Australia consumers.

ABN’s and Business Credit Cards

Most business owners are short on time. Let’s face it, when it comes to doing a credit card comparison you probably have other things to worry about then running from lender to lender to find the best deal. The thing is that those entrepreneurs who do spend time to look into their options often save money opposed to their competitor who is too slack to research the market.

Most banks and lenders offer their customers a business credit card. By doing some research online you’ll soon see which of the offers apply to your needs. Once you have a short list of applicable business credit cards it’s time to drill down into the meat of things.

The difference between business credit card and personal credit card.

A common business credit card functions in the same way as a personal credit card does. You can use it to buy things offline, online, withdraw money from an ATM and pay by phone.

The main difference is that a credit card for business is issued to the company and not an individual person. Therefore the company is responsible for all credit card bets incurred on that card.

Some cards come with certain purchase limitations such as spending limits, But then the same applies to a personal credit card anyway. Some lenders provide extra features like discounts for banking or free insurance cover. Plus you can track your expenditure thanks to an itemised bill each month.

Advantages of business credit cards.

If the credit card comes with includes insurance then you might be able to benefit from this because nobody in your company needs to run around with large cash amounts anymore. Plus these cards also keep business from pleasure quite easily and are often cheaper to run than issuing cheques.

With the control given to you you can control spending while giving your employees freedom to purchase things for the business without needing to spend their own private money upfront.

Compare business credit cards according to their features.

Business credit cards have two main differences. They are issued as a credit card or a charge card.

Credit card feature: Having a business credit card functions in much the same way as having a personal credit card. It will allow you to pay the minimum amount on a bill while charging you interest on the outstanding debt.

Charge card feature: With a business charge card you are obliged to pay the full amount of your bill or else pay penalties and fees. These cards are probably better for larger corporations with plenty of cash flow.

Two strong contenders for business credit cards.

The following two cards have their own unique attributes if you are in the market for a credit card for your business. Start your business credit card comparison with the American Express Business Accelerator Card and the Citibank ‘CitiBusiness’ Card.

• Balance Transfer Business Credit Card: CitiBusiness Gold
  

  If you are a business owner then you could reduce your expenses by paying a lower interest rate than you currently are on your credit card. The Citi Business Gold credit card is our recommended credit card for businesses.



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• Small Business Credit Cards: How To Manage Your Business Credit Card
  

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• Business Benefits For Accepting MasterCard Credit Cards
  

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• Credit Cards As Funding For Business Startups And Entrepreneurs
  

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• Protect Your Business From Identity Fraud
  

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• Corporate Credit Cards – Compare & Apply Online
  

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• Credit Cards For Small Business – Is A Personal Credit Card OK?
  

  When starting your business, finding capital to fund purchases is always a high priority. Many businesses don’t properly prepare by applying for a business credit card, and instead make their purchases on a personal credit card. Read our article to find out why using your personal card may not necessarily be the best thing to do.



• Finding the Best Business Credit Card
  

  Credit cards can be an essential tool to properly manage your business finance – if utilized correctly.
  -
  Find out the best business credit card features and tips here.



• Small Business Credit Cards
  

  For Australian small businesses, cash flow, particularly in the initial start up periods can be a real challenge. Business owners frequently turn to credit cards for finance but can get caught up in interest rates surrounding 20% if they go and apply for just any card. Some things you should keep in mind for funding [...]



• Cut Tax and Mend Savings: Finance your Business with Credit Cards
  

  Starting a small business in Australia is stressful enough – with an incredible 50% of first time business owners failing in their first year, the ease of funding a credit card provides can release the tension. Since business expenditures can be add-up to significant tax deductions, it is imperative to separate personal expenses from work-related charges. Aside from the tax savings, a business credit card represents expanded options, particularly with the right card.






Best Balance Transfer Credit Card Offer

The Bankwest Lite MasterCard is Australia's cheapest credit card offer, giving you the lowest MasterCard purchase rate of just 9.99% p.a. as well as a long balance transfer offer on your existing credit card balance at 1.99% p.a. for 12 months!






Click here to access the Bankwest Lite MasterCard terms & conditions.

Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
Bankwest Lite MasterCard	Editor's Choice: Cheapest Credit Card The lowest stress mastercard, with Australia's lowest MasterCard purchase rate of just 9.99% p.a.	9.99%	20.99%	1.99% for 12 months	$59	55
St George Vertigo	Editor's Choice: Best Bank Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks.	2.99% for 6 months (reverts to 11.99%)	20.74%	2.99% for 6 months	$55	55
Coles Group Source MasterCard	The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points	19.74%	21.99%	0% for 6 months	$0	62
Citi Clear Platinum Visa	Editor's Choice: Low Interest An excellent low interest credit card offer with 11.49%interest on purchases and 0.99% for 6 months on balance transfers .	11.49%	20.99%	0.99% for 6 months	$49 (First Year, Save $50)	55
Bankwest Zero Platinum MasterCard	Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 12 months on balance transfers	15.99%	15.99%	1.99% for 12 months	$0	55