Credit Card Compare

American Express Business Gold Plus Card

2 reviews
Data last updated 27 July 2026
No interest
Purchase rate
$395
Annual fee
200,000
Bonus points

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American Express Business Gold Plus Card card
60 second approval
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

45Fair

Fair

Overall score, out of 100 · How this works

  • 55 days interest-free35
  • Business35
  • Frequent flyer50
  • Rewards44
  • Sign-up bonus62
  • Travel35
  • Velocity Points50

Customer reviews

3.2

Based on 2 reviews

RichardRecommends

Great points earner

I use it wherever I can to maximise my points earning potential, including ATO payments. If only Amex would reduce their fee percentage, more retailers might accept them.The card has an annual fee of $249.

Michelle ClarkRecommends

I am very happy with this card and rewards

I am a long time AmEx user – I have gold and platinum, and love them. The rewards have been very important for me, my family, and our four grandchildren.The only issue is Aldi and other stores, restaurants, bars, and businesses do not accept AmEx, which I find difficult to get…

Pros & cons

What's good

  • 200,000 bonus Membership Rewards points to start, worth around $2,000 at our 1c-per-point valuation.
  • Complimentary international travel insurance and domestic travel insurance.
  • Points transfer to 13 rewards programs, including Accor Live Limitless (ALL), Air New Zealand Airpoints and British Airways Club.
  • Earns 1 point per $1 on ATO and government payments, where many rewards cards earn nothing.

Worth noting

  • The $395 annual fee is high for a Gold card, where the typical fee is about $100.
  • 3.5% foreign transaction fee on overseas spending, at the high end of the market.
  • Charge card: the full balance must be paid each month, with no option to carry a balance.

Card details

The basics

Additional cardholder fee
$75 p.a.
Card tier
Gold
Card type
American Express
Card use
Business
Credit limit
$1,000 – $100,000
Credit rating
Good
Rewards program
American Express Membership Rewards

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
0.00% p.a.
Purchases
No interest. Pay in full each month

Fees

Additional cardholder fee
$75
Annual fee
$395 p.a.
Cash advance fee
—
Foreign transaction fee
3.5%
Late payment fee
$20

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
100% of the closing balance outstanding

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1.5 pts per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
1 pt per $1 on ATO and government payments
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
200,000 points

Transfer partners

Accor Live Limitless (ALL)
5 pts → 1 pt (≈ 0.3 pts per $1)
Air New Zealand Airpoints
200 pts → 1 pt (≈ 1 pt per $133)
British Airways Club
3 pts → 1 pt (≈ 0.5 pts per $1)
Cathay (Asia Miles)
3 pts → 1 pt (≈ 0.5 pts per $1)
Emirates Skywards
4 pts → 1 pt (≈ 0.38 pts per $1)
Everyday Rewards
5 pts → 4 pts (≈ 1.2 pts per $1)
Hilton Honors
2 pts → 1 pt (≈ 0.75 pts per $1)
Malaysia Airlines Enrich
3 pts → 1 pt (≈ 0.5 pts per $1)
Marriott Bonvoy
3 pts → 2 pts (≈ 1 pt per $1)
Qatar Airways Privilege Club
3 pts → 1 pt (≈ 0.5 pts per $1)
Singapore Airlines KrisFlyer
3 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer
2 pts → 1 pt (≈ 0.75 pts per $1)
Virgin Atlantic Flying Club
3 pts → 1 pt (≈ 0.5 pts per $1)

Where these points could take you

Auckland
Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts, Business 35,500 pts.
Denpasar
Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 30,500 pts, Business 75,500 pts.
London
Flying Qatar Airways via Doha, using transferred Velocity points. Economy 80,000 pts.
Los Angeles
Flying United Airlines non-stop, using transferred Velocity points. Economy 48,000 pts, Premium Economy 73,500 pts, Business 102,000 pts.
Singapore
Flying Singapore Airlines non-stop, using transferred Velocity points. Economy 29,000 pts, Premium Economy 57,500 pts, Business 74,000 pts.
Tokyo
Flying All Nippon Airways non-stop, using transferred Velocity points. Economy 45,000 pts.

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation
Prepay part of the trip on the card
Age limit
79 years
Also covers
Dependents
Cover limit
$2,500,000
Excess
$250
Maximum trip length
62 days
Not covered
Pre-existing conditions, unless the insurer agrees in writing

Domestic travel

Activation
Prepay part of the trip on the card
Activation spend
$500
Age limit
79 years
Also covers
Cruise, Dependents
Maximum trip length
62 days
Not covered
Day trips, and anything Medicare or your fund pays
What it pays
Cancellation and baggage, not medical treatment

Transit accident

Activation
Pay the fare with the card
Activation spend
$500
Age limit
79 years
Cover limit
$300,000
Maximum trip length
62 days
What it pays
Death or defined serious injury only

Where this card sits vs similar cards

Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days55 daysTied for best (1st of 37 cards)
Rewards value$540 a yearTop 10% (2nd of 21 cards)
Sign-up bonus$2,000Top 25% (2nd of 10 cards)
Overseas fee3.50%Among the weakest we track (34th of 39 cards)
Annual fee$395 a yearAmong the most expensive (37th of 39 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
American Express
Program
American Express Membership Rewards