American Express
American Express® Business Gold Plus Card
American Express · cred and chrg cards
Provider last updated this product 2026-07-27.
Go to provider
You'll complete your application on
American Express's website. Confirm the rate and fees with them
before applying.
Make big plans with the metal Card that turns your business purchases into rich rewards.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 23.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Flexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $395 | - |
| Business Employee Card Fee (applies to first 2 Employee Cards) | PERIODIC | $0 | Applies to the first 2 Employee Cards. |
| Business Employee Card Fee (applies from the 3rd Employee Card onwards) | PERIODIC | $75 | Applies to each Employee Card from the 3rd to 99th Employee Card. |
| Late Payment Fee | EVENT | 3.00% | Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. |
| Currency Conversion Fee | PURCHASE | 3.50% | 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. |
| Dishonour Fee | EVENT | $20 | $20 for each dishonour or debit rejection. |
| Over The Counter Fee | PAYMENT | $3 | $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. |
| Record of Charge Fee | EVENT | $7 | 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. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 23.99% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
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 receive a benefit.
- 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 availability and eligibility criteria.
- 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 your accounting, advertising, marketing, cloud services, payments and point of sale and tech costs, until 31/12/2026. T&Cs apply.
Who can apply
- min age - 18
- residency status - You are an Australian citizen or permanent resident or hold a long term visa. Long term visa means 12 months or more and does not include a student visa.
- otherEmployee 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) Employee Card.
- businessMust be a Director or Controller of the business
- businessAn active Australian Business Number (ABN).
- otherBusiness must be GST registered.
- min turnover - 75000.00
- otherApplications are assessed based on the information provided and are subject to credit approval.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-27T05:00:00.000Z · Product ID: 6b78ce86-e85e-44f4-999b-bc2bb5b2392b