American ExpressAmerican Express® Business Gold Plus Card
Make big plans with the metal Card that turns your business purchases into rich rewards.
At a glance
- Purchase rate
- 23.99%
- Annual fee
- $395
- Foreign transaction fee
- 3.50%
- Rewards
- Membership Rewards
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 23.99% | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions | 14th lowest of 14 |
Rates
The one rate American Express publishes for this credit card.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| PurchaseFlexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit. | - | - | - | 23.99% | - | - |
Fees
8 fees published, grouped by when they're charged.
While you hold it3
- Annual Fee
American Express may, at its discretion, discount the annual fee where the customer holds an eligible American Express Personal Card and meets all other applicable eligibility criteria.
$395 a year - Business Employee Card Fee (applies from the 3rd Employee Card onwards)
Applies to each Employee Card from the 3rd to 99th Employee Card.
$75 a year - Business Employee Card Fee (applies to first 2 Employee Cards)
Applies to the first 2 Employee Cards.
No fee
When you make a transaction2
- Over The Counter Fee
$3 Payable if you pay your Card Account in person at Australia Post by EFTPOS.
$3 - Currency Conversion Fee
3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars.
3.50% of transaction
When particular things happen3
- Dishonour Fee
$20 for each dishonour or debit rejection.
$20 - Late Payment Fee
Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.
3.00% of balance - Record of Charge Fee
Payable when you or the Employee Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges.
$7
Features
- Enjoy exciting offers and deals with Amex Offers that add value to your Card Membership. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to re…
- Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.
- Optimise your cash flow by choosing to pay off a portion of your balance, up to your FPO limit, over time. Subject to interest.
- Give your business financial breathing room with up to 55 days to pay for purchases.
- Receive up to US $100 hotel credit and room upgrade (when available) at selected hotels in The Hotel Collection when you book two consecutive nights’ stay through American Express Travel. Subject to…
- Card Members receive complimentary Hilton Honors Silver status.
- With Hertz Gold Plus Rewards® loyalty program, you’ll enjoy a range of benefits at participating locations across the world.
- Your Business Gold Plus Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card
- Receive up to $650 credit back We’re backing your business with up to $650 back for spend with Xero, Google Ads, Meta, Amazon Web Services, Square and Dell. That means you can get credits back for yo…
Eligibility and limits
- Minimum age 18
- Residency: You are an Australian citizen or permanent resident or hold a long term visa.
- Available to businesses
- Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1)…
- Business must be GST registered.
- Applications are assessed based on the information provided and are subject to credit approval.
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Published by American Express under the Consumer Data Right, last changed by them on 27 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.