American Express® Business Gold Plus Card
If you’re looking for a business card that earns up to 3 Amex Membership Rewards Points5 on select business expenses and includes complimentary travel insurance10, the American Express Business Gold Plus Card could be a good choice.
- Signup bonus
- Earn 200,000 bonus Membership Rewards Points¹ , when you apply via the link on this page by 7 October 2025, are approved and spend a minimum of $5,000 on eligible purchases on your new American Express Business Gold Plus Card within 3 months of your approval date. T&Cs apply. Available to new American Express Card Members only.
- Points Earned
- Earn 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell. Earn 2 points per $1 spent with AccessLine®. Subject to approval. Enrolment required. Earn 1.5 points per $1 on everyday spent plus 1 point per $1 spent with government spend, including the ATO. Accelerated earn rates apply on the first 200,000 points earned per calendar year, then you will earn 1 point per $1 spent across all categories⁵, uncapped and with no expiry.¹¹
- Notable Benefits
-
- Get up to $550 credit back each year for spend with Xero, Google Ads, Meta, Amazon Web Services and Dell.⁶
- Enjoy complimentary Hilton Honors Silver status with no minimum stay requirements. Enrolment required. T&Cs apply.⁸
- Book a minimum of two-night stay with The Hotel Collection in hundreds of desirable destinations through American Express Travel Online and receive a US$100 credit to use during your stay. T&Cs apply and credit use varies by property.⁹
- Two Employee Cards at no extra cost, $75 p.a. for each Employee Card thereafter.²
- Complimentary Travel Insurance when you pay for your trip with your American Express® Business Gold Plus Card. Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).¹⁰
- Apple Pay®, Google Pay™️ and Samsung Pay.
- Annual fee
- $395 p.a.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Why we like the American Express Business Gold Plus Card
If you’re looking for a business card in Australia that earns up to 3 Amex Membership Rewards Points per $1 of eligible business spend, and 1.5 points per $1 spent on everyday spend (excluding government payments)5, then look no further than the Amex Business Gold Plus Card!
The Amex Business Gold Plus is a charge card, rather than a credit card. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors3. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments. You can read more about the differences between a charge card and a credit card here.
Amex Membership Rewards5 Points can be transferred to more than 10 airline program partners and two hotel partners, including Virgin Australia Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Emirates Skywards, Etihad Guest, Qatar Airways Privilege Club, Marriott Bonvoy, and more.
It’s possible to add up to two Employee Cards at no extra costs³. You’ll also earn points at the same rate when your employees spend on their cards.
The Card also includes benefits like complimentary Hilton Honors Silver status8, US$100 credit when you book a minimum two-night stay through The Hotel Collection9, complimentary travel insurance10, and more.
Key Information & How to Apply
Key facts about this cards
- Card type
- American Express
- Signup bonus
- Earn 200,000 bonus Membership Rewards Points¹ , when you apply via the link on this page by 7 October 2025, are approved and spend a minimum of $5,000 on eligible purchases on your new American Express Business Gold Plus Card within 3 months of your approval date. T&Cs apply. Available to new American Express Card Members only.
- Annual fee
- $395 p.a.
- Minimum monthly repayment
- Access a line of unsecured funding with flexible spending power. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
- Minimum credit limit
- No minimum credit limit specified
- Minimum income requirement
- Annual business revenue of $75,000 or more with a valid ABN registered for GST
- International transaction fee
- 3.0%
To apply for this card, you will need
- To be an Australian citizen or permanent resident aged 18 or over and a Director or controller of the business
- Annual business revenue of $75,000 or more with a valid ABN registered for GST
- Have a good credit history and no payment defaults
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Contents
Sign-up bonus
Earn 200,000 bonus Amex Membership Rewards Points when you apply by 7 October 2025, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
Amex Membership Rewards Points can be transferred to more than 10 different airline programs, and two hotel loyalty programs. Your 100,000 Membership Rewards Points could be redeemed for 50,000 Velocity Points or Qatar Airways Avios, or over 33,000 KrisFlyer miles or Emirates Skywards miles. View the full list of Amex Membership Rewards Transfer Partners here.
This offer is not available to existing Amex Card Members, or if you have been the primary Card Member of an Amex Card in Australia during the past 18 months.
American Express Business Gold Plus Card travel benefits
Here’s an overview of the travel benefits you can expect…
Hilton Honors Silver status
Amex Business Gold Plus Card Members receive complimentary Hilton Honors Silver status with no minimum stay requirements. Silver is one tier above the entry-level in the Hilton Honors program, and includes benefits like 20% bonus points on stays, a 15% spa discount, free bottled water, and the fifth night free on stays booked using points. Here’s what to expect in our guide to Hilton Honors status benefits.
Note that you need to be approved for the Card first and register for Hilton Honors Silver status here to avail of this Card benefit.
US$100 credit at select hotels
When you book accommodation via The Hotel Collection⁹ through the American Express Travel Online platform and stay two or more consecutive nights, you’ll receive a US$100 to use during your stay. This could include food and beverage, spa treatments, or other on-property charges.
Terms and conditions apply, and credit use varies by property.
Complimentary travel insurance
You will receive complimentary domestic and international travel insurance10 for you, your spouse, and your Employee Card Members when you pay for your return trip using your Amex Business Gold Plus Card. Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).
The following insurances are included:
- Medical Emergency Expenses Cover10
- Business trip completion Cover10
- Trip Cancellation and Amendment Cover and Travel Inconvenience Cover10
- Personal Baggage, Money and Travel Documents Cover10
Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion). Before using this insurance, we’d encourage you to read the PDS here.10
Other benefits
In addition to travel benefits, Amex Business Gold Plus Card Members also receive…
Statement credits
Amex Business Gold Plus Card Members receive up to $550 credit back on qualifying purchases with select merchants within a 12-month period.⁶
This includes:
- Simplify finance with Xero accounting software and get $100 credit back to your account.⁶
- Spend with Google Ads and get $100 credit back to your account.⁶
- Find new customers with Meta for Business and get $100 credit back to your account.⁶
- Spend with Amazon Web Services and get $100 credit back to your account.⁶
- Spend with Dell Technologies and get up to $75 credit back twice a year.⁶
To receive the statement credits, you must enrol into the offer through the Amex app or website. Terms, conditions and exclusions apply. Benefit ends 31/12/2026.
Earning points
With the Amex Business Gold Plus Card, you’ll earn up to 1.5 Amex Membership Rewards Points per $1 spent on everyday spend (excluding government payments.)
This is a decent earn rate, but not quite as good as the Amex Business Explorer Card (2 Amex Membership Rewards Points per dollar) or the Amex Platinum Business Card (2.25 Amex Membership Rewards Points per dollar.) However, compared to the the Amex Platinum Business Card, the Amex Business Gold Plus Card has a much lower annual fee, and you’ll also earn bonus points on select business software and services, which we outline below.
Amex Business Gold Plus Card Members earn bonus points on the following spend:
- 3 Membership Rewards Points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell.⁵
- 2 Membership Rewards Points per $1 spent with AccessLine®. Subject to approval. Enrolment required.5
- 1.5 Membership Rewards Points per $1 spent on everyday spend.5
- 1 Membership Rewards Points per $1 spent on government payments.5
These earn rates apply to the first 200,000 Membership Rewards Points earned per calendar year. Afterwards, you’ll continue to earn 1 point per $1 spent across all categories, with no cap.
Amex Membership Rewards Points do not expire, provided that your account remains active. So, it’s a good idea to keep your points in your Amex Membership Rewards account until you’re ready to use them with an airline or hotel partner, or wait for a transfer bonus offer.
Earning points for ATO & government payments
A huge advantage of the American Express Business Gold Plus Card is the ability to earn points on government payments. You’ll earn a reduced rate of 1 Membership Rewards Point per $1 on payments made directly to the Australian Tax Office (ATO) or other government bodies in Australia when using your Amex Business Gold Plus Card.
Using Amex Membership Rewards Points
Amex Membership Rewards points earned on this Card can be converted to more than 10 airlines and two hotel loyalty programs, generally at a 2:1 conversion rate.⁵ Here’s the full list of Amex transfer partners:
| Transfer partners | 1 American Express Membership Reward point equals… |
|---|---|
| Air New Zealand | 0.005 Airpoints Dollars |
| Asia Miles | 0.5 Asia Miles |
| British Airways Club | 0.5 Avios |
| Emirates Skywards | 0.33 Skyward miles |
| Etihad Guest | 0.5 Etihad Guest miles |
| Hilton Honors | 0.5 Honor points |
| Malaysia Airlines | 0.5 Enrich miles |
| Marriott Bonvoy | 0.67 Marriott Points |
| Qatar Airways Privilege Club | 0.5 Avios |
| Singapore Airlines | 0.33 KrisFlyer miles |
| Thai Royal Orchid Plus | 0.5 Royal Orchid Plus miles |
| Velocity | 0.5 Velocity points |
| Virgin Atlantic Flying Club | 0.5 Virgin Points |
Minimum redemption amounts and T&Cs apply. Note that Amex Membership Rewards Points earned on the American Express Business Gold Plus Card cannot be transferred to Qantas Frequent Flyer.
See our Overview of Amex Membership Rewards Transfer Partners for more information.
Alternatively, you could redeem your points through the Amex Membership Rewards program⁵ for rewards including:
- Gift cards
- Amex Travel Online
- Helloworld travel gift cards
- Statement Credit
Summary
Pros
- Accelerated earn rates on the first 200,000 points per calendar year, then you will earn 1 point per $1 spend across all categories⁵, uncapped and with no expiry
- Earn Amex Membership Rewards Points uncapped with no expiry on everyday spend
- The flexibility to transfer your points to many different airline and hotel loyalty programs⁵
- Complimentary Hilton Honors Silver status⁸
- US$100 credit when booking select hotels through The Hotel Collection⁹
- Issue up to two Employee Cards at no additional cost²
- Complimentary travel and other insurances.10 Terms, conditions, cover limits and exclusions apply.
- Compatible with Apple Pay, Google Pay & Samsung Pay
Cons
- International transaction fees apply
- Points are earned at a reduced rate when spending with government bodies
- Signup bonus
- Earn 200,000 bonus Membership Rewards Points¹ , when you apply via the link on this page by 7 October 2025, are approved and spend a minimum of $5,000 on eligible purchases on your new American Express Business Gold Plus Card within 3 months of your approval date. T&Cs apply. Available to new American Express Card Members only.
- Points Earned
- Earn 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell. Earn 2 points per $1 spent with AccessLine®. Subject to approval. Enrolment required. Earn 1.5 points per $1 on everyday spent plus 1 point per $1 spent with government spend, including the ATO. Accelerated earn rates apply on the first 200,000 points earned per calendar year, then you will earn 1 point per $1 spent across all categories⁵, uncapped and with no expiry.¹¹
- Notable Benefits
-
- Get up to $550 credit back each year for spend with Xero, Google Ads, Meta, Amazon Web Services and Dell.⁶
- Enjoy complimentary Hilton Honors Silver status with no minimum stay requirements. Enrolment required. T&Cs apply.⁸
- Book a minimum of two-night stay with The Hotel Collection in hundreds of desirable destinations through American Express Travel Online and receive a US$100 credit to use during your stay. T&Cs apply and credit use varies by property.⁹
- Two Employee Cards at no extra cost, $75 p.a. for each Employee Card thereafter.²
- Complimentary Travel Insurance when you pay for your trip with your American Express® Business Gold Plus Card. Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).¹⁰
- Apple Pay®, Google Pay™️ and Samsung Pay.
- Annual fee
- $395 p.a.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Frequently Asked Questions (FAQs)
The key difference is that the Amex Business Explorer is a credit card, while the Amex Business Gold Plus is a charge card, the latter having flexible spending power. The American Express Business Explorer Credit Card has an annual fee of $149 and earns 2 Amex Membership Rewards Points per $1 spent, plus the option to issue up to 99 Employee Cards. On the other hand, the American Express Business Gold Plus Card has an annual fee of $395 and earn up to 3 points per $1 on the first 200,000 points earned per calendar year. 1 point per $1 spent across all categories thereafter, uncapped and with no expiry.
You would need to be an Australian citizen or resident and be a director or controller of a GST-registered business with a valid ABN. Other criteria may also apply.
To apply for an Amex Business Gold Plus Card, your business must have an annual revenue of $75,000 or more and be registered for GST.
Yes, but payments to government bodies including the Australian Tax Office (ATO) will earn points at a reduced rate of 1 Amex Membership Rewards Point per dollar (instead of 1.5 points per dollar).⁵
Yes, the Amex Business Gold Plus Card supports Apple Pay, Google Pay and Samsung Pay.
Yes, there is an option to issue up to two Employee Cards at no extra cost.3 Each additional Employee Card has an annual fee of $75.
Amex Membership Rewards Points do not expire as long as your account remains open and in good standing. This is useful as you can keep your points in your Amex Membership Rewards account until you’re ready to use them. Therefore, you should only transfer points to a frequent flyer program or hotel program when you have a redemption in mind. Keeping your Amex Membership Rewards Points in your account can also prevent them from expiring in the airline or hotel program.
Yes, Amex Business Gold Plus Card Members receive complimentary international and domestic travel insurance. Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion). See the PDS for full details.10
Terms & Conditions
American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 12 February 2025 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.
