American Express Gold Business Card

The basics

• Additional cardholders. You can add up to 99 additional cardholders to your account for employees. However, there is a $119 annual fee per card added.
• Digital wallets. You can use this card with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. This card cannot be used for gambling transactions.

Rewards and benefits

• Complimentary travel insurance. This card comes with comprehensive international travel insurance with up to $2.5 million in medical emergency cover for you, your partner, or employees who have a card. Includes travel emergency medical insurance cover up to $2,500,000, business trip completion cover up to $20,000, travel cancellation cover up to $10,000, and personal third-party liability cover up to $1,000,000.
• Concierge services. Unfortunately, the American Express Gold Business Card does not give cardholders access to a concierge service.
• Insurances. Includes global fraud detection and unauthorised transaction liability coverage.
• Rewards points. Use the American Express Gold Business Card to earn 1.5 Membership Rewards points per $1 spent on eligible transactions. All government spend, including with the ATO, earns 1 point per $1 spent. There is no limit or cap on how many points can be earned.
• Sign-up bonus. 75,000 Bonus Membership Rewards Bonus Points after you spend $1,000 in eligible purchases on the card in your first 2 months. New American Express Card Members only.
  .

Rates and fees

• Annual fee. This card's ongoing annual fee is $169 p.a., which is reasonable for a business credit card and may be tax deductible.
• Balance transfers. There is no balance transfer offer on this card at this time.
• Foreign exchange fee. All purchases made in a foreign currency will encounter a 3% foreign transaction fee.
• Interest-free period. This card offers an interest-free period of up to 51 days on purchases.
• Purchases. The American Express Gold Business Card is a charge card. That means there is no interest charged on purchases, but the balance must be cleared on every statement. There is no preset limit on how much you can spend, but Amex will monitor your spending and repayments to make sure you are not spending more than you can afford.