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American Express Qantas Business Rewards Card

Data last updated 27 July 2026
No interest
Purchase rate
$450
Annual fee
150,000
Bonus points

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American Express Qantas Business Rewards Card card
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CardIQ

42Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge36
  • Business31
  • Frequent flyer46
  • Qantas Points46
  • Rewards41
  • Sign-up bonus60
  • Travel32

Customer reviews

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Pros & cons

What's good

  • 150,000 bonus Qantas Points to start, worth around $1,800 at our 1.2c-per-point valuation.
  • Complimentary airport lounge access.
  • Complimentary travel insurance.
  • Earns 0.5 points per $1 on ATO and government payments, where many rewards cards earn nothing.
  • No fee to add an additional cardholder.

Worth noting

  • The $450 annual fee is high for a Standard card, where the typical fee is about $50.
  • Earns 1.25 points per $1 on everyday spend, around the dataset average.
  • 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
$0 p.a.
Card tier
Standard
Card type
American Express
Card use
Business
Credit limit
$1,000 – $100,000
Credit rating
Good
Rewards program
Qantas Business 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
$0
Annual fee
$450 p.a.
Cash advance fee
—
Foreign transaction fee
3.5%
Late payment fee
$0

Repayments

Interest-free period
Up to 51 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
1.25 pts per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
0.5 pts 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
150,000 points

Where these points could take you

Auckland
Flying Qantas non-stop, using Qantas points. Economy 20,700 pts, Premium Economy 32,600 pts, Business 43,600 pts.
London
Flying Qantas via Singapore, using Qantas points. Economy 63,500 pts, Premium Economy 124,700 pts, Business 166,300 pts.
Los Angeles
Flying Qantas non-stop, using Qantas points. Economy 48,200 pts, Premium Economy 97,600 pts, Business 130,100 pts.
Singapore
Flying Qantas non-stop, using Qantas points. Economy 29,000 pts, Premium Economy 61,600 pts, Business 82,100 pts, First 123,100 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
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
Age limit
79 years
Also covers
Dependents
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.

Rewards value$540 a yearTop 10% (2nd of 21 cards)
Sign-up bonus$1,800Better than most (4th of 10 cards)
Interest-free days51 daysNot as good as most cards (27th of 37 cards)
Overseas fee3.50%Among the weakest we track (34th of 39 cards)
Annual fee$450 a yearAmong the most expensive (38th 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
Qantas Business Rewards