American Express Business Gold Plus Card

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Terms and conditions apply

Bonus points: 200,000
Reward points per $ spent: 1.5
Annual fee: $395 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

Offers 200,000 Membership Rewards Bonus Points and B2B credits, with a $395 annual fee.

The American Express Business Gold Plus Card is suited to business owners that want to manage their cash flow and earn points on expenses. It offers 3 points per $1 spent at these selected merchants: Xero, Google Ads, Meta, Amazon Web Services (AWS) and Dell. Also earn 2 points per $1 spent with American Express AccessLine (subject to an application and approval process). This card earns 1.5 points per $1 spent on everyday spend, or 1 point per $1 spent with government bodies. After the first 200,000 points per calendar year, earn rate drops to 1 point per $1.

As an example of rewards, the current introductory offer of 200,000 Membership Rewards Bonus Points would be enough to redeem $1,000 worth of shopping at Myer or 100,000 Velocity Points. You can also get up to $550 credit back to your account for spending with Xero, Google Ads, Meta, Amazon Web Services and Dell. Enrolment required.

Pros

200,000 Membership Rewards Bonus Points
3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell
Get up to $550 credit back to your account for spending with Xero, Google Ads, Meta, Amazon Web Services and Dell
Primary card member gets a Sleek metal card
Complimentary travel insurance. Terms, conditions & exclusions apply.

Cons

$75 p.a. applies after the first two additional cards
After the first 200,000 points per calendar year, earn rate drops to 1 point per $1 spent

The American Express Business Gold Plus Card gives you a way to manage business expenses and earn points through the Membership Rewards Ascent program. Right now, it offers 200,000 Membership Rewards Bonus Points when you apply as a new Amex card member by 25 March 2025, are approved and spend at least $5,000 on eligible purchases within the first 3 months from card approval.

It also offers a complimentary Membership Rewards program and up to 2 additional members with no extra fee. Card members can also get complimentary domestic and international travel insurance (terms and conditions apply, such as maximum age limits, pre-existing medical conditions and cover limits).

Details

Product details

Product Name	American Express Business Gold Plus Card
Purchase rate p.a.	Purchase rate p.a.0%
Interest-free days	Up to 55 days on purchases
Card type	American Express

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Rewards program	Membership Rewards Ascent
Bonus points	200,000
Rewards points per $ spent	1.5
Rewards points cap	Uncapped

Fees

Annual fee	Annual fee $395
Minimum monthly repayment	100% of the closing balance outstanding
Late payment fee	$20
Foreign currency conversion fee	Foreign currency conversion fee 3%
Additional cardholder fee	$75
Number of additional cardholders	99

How to apply

You can apply for the American Express Business Gold Plus Card online and could get a response within 48 hours. Before you click through to the American Express application page, make sure you meet the eligibility requirements and have all your supporting documents and details on hand.

Eligibility criteria

Business requirements. You must have an active ABN (Australian Business Number) and your business must be registered for GST. You also need to have an annual business revenue of at least $75,000.
New card member. In order to be eligible for the bonus points, you cannot currently hold or have held an American Express card in the last 18 months.

Credit history. You must have a good credit history with no payment defaults.
Residency. You must be an Australian citizen or permanent resident.
Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, email address, residential address, date of birth and contact number. You'll also need to provide a valid form of ID, such as your driver's licence number or passport.
Business details. This includes your ABN, financial details and your accountant's contact details.
Financial details. You'll need financial documents proving that you make the minimum required annual income. This may also include your accountant's information.

Go to Amex's site More info

Card benefits

200,000 bonus points. You can give your points balance a boost of 200,000 Membership Rewards Bonus Points when you apply as a new Amex card member by 25 March 2025, are approved and spend $5,000 within the first 3 months from card approval. The points will be credited to your account within 8 to 10 weeks of meeting the spend requirement.
Membership Rewards Points. You'll earn 3 Membership Rewards Points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services (AWS) and Dell. You'll earn 2 points per $1 spent with American Express AccessLine (subject to an application and approval process). You'll also earn 1.5 points per $1 spent on everyday spend, except Australian government bodies where you'll earn 1 point per $1 spent. But after the first 200,000 points earned in a calendar year, the earn rate across all categories changes to 1 point per $1 spent. You can redeem your points for a wide range of rewards including gift cards, merchandise and travel bookings. You can also transfer your points to over 10 partnered frequent flyer programs, including Air New Zealand, Singapore Airlines KrisFlyer, Emirates Skywards and Velocity Frequent Flyer. Or to hotel loyalty partner Hilton Honors.

Complimentary insurances. Use this card to pay for return business trips and you'll get access to travel insurance that includes travel inconvenience cover, medical emergency expenses cover, public transport accident cover, personal baggage, money and documents cover and trip cancellation and amendment cover. The insurance policy document on the American Express website gives you full details of what's covered, the eligibility requirements and how to make a claim. Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).
Up to $550 credit. If you enrol and spend $100 or more in one or more transactions, you can receive $100 back from each merchant below, except for Dell which offers up to $150 per calendar year (up to $550 combined):

- - $100 credit back to your account with Xero
  - $100 credit back to your account with Meta
  - $100 credit back to your account with Google Ads

- - $100 credit back to your account with Amazon Web Services
  - Up to $150 credit back to your account when you spend with Dell

Hilton Honors Silver Status. Enrol your eligible card to enjoy Hilton Honors Silver status privileges such as 20% bonus on all Hilton Honors Base Points you earn.
Security. All of your purchases are protected by a PIN and embedded microchip. Fraud protection guarantees, emergency card replacement and 24/7 customer service means that you can shop with peace of mind using this Amex card.
Online account management tool. You can keep track of statements, transaction details, balances and business expenses with MYOB and Xero. This online account management tool will make it easy to track your business costs on the go, especially if you have additional card members linked to the account.

Rates & fees

Annual fee. This card charges an annual fee of $395.
Additional cards fee. You can request up to two free employee cards, but get charged $75 p.a. each, thereafter.

Interest-free purchases. As a charge card, this card doesn't have an interest rate. Instead, you need to pay off your balance each month to avoid a penalty fee.
Extended credit days. You can request to extend your cash flow up to 55 days, though this depends on when you make a purchase and when your repayments are due.
Flexible spending power. While this card doesn't come with a designated spending power, the amount you can spend will be based on your credit history, spending patterns and financial resources.
Flexible Payment Option. Instead of paying off your balance in full each statement period, you can choose to pay off a portion of it over time with the Flexible Payment Option (subject to your Flexible Payment Option limit). This gives you a bit more flexibility, but you will get charged interest if you don't pay your closing balance in full by the due date each month. Check out the full Flexible Payment Option terms and conditions for more information.

Go to Amex's site More info

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Amy Finder

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Mark

February 01, 2024

Hi,

The 0% interest rate, is this for the 51 days or is it for the entire time?

How much if the balance isn’t paid after the 51 days?

Amy Bradney-George Finder

February 05, 2024

Hi Mark,

This is a charge card, which means there is no interest rate but you need to pay off the entire account balance by the statement due date. In this case, that gives you up to 51 days to pay in each statement period. If you need more time, you can set up a Flexible Payment Option for part of the balance, which can be paid off over time with interest charges as specified by Amex. Otherwise, your account may be considered as in default and attract fees. If you have further questions, you can contact the American Express business team on 1300 366 549. I hope this helps.

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Skender

November 30, 2018

What’s the amount you get for the gold business card?

Jhezelyn Finder

December 05, 2018

Hello Skender,

Thank you for your comment.

If you’re referring to the credit limit, please note that it’s based on your credit history, spending patterns and financial resources. That will be set and determined by the issuer.

Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

Regards,

Jhezelyn

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Ravi

December 30, 2016

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?

Jason Finder

December 31, 2016

Hi Ravi,

Thank you for your enquiry.

If you wish to learn more, please check our review page about the American Express complimentary travel insurance. It would be best to get in touch directly with your issuer to obtain a more specific answer and read the details of your policy. Usually, the details of your policy should be available through its terms and conditions.

Kind regards,

Jason

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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.?

Ysa Finder

November 12, 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

Bev

February 02, 2015

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

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Jonathan Finder

February 03, 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

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

American Express Business Gold Plus Card

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