Airwallex

As an Australian business owner, I’d focus on the mainstream cards people actually use: NAB, American Express, ANZ, Westpac/St.George and CommBank. These are the brands that consistently show up in Australian business-card awards and comparison panels: Canstar’s 2026 business-card awards recognised St.George/CommBank/Westpac for low-cost, ANZ/NAB for rewards, and Amex/ANZ for frequent-flyer value; Finder’s 2026 awards picked NAB Rewards Business Signature, NAB Qantas Business Signature, and St.George BusinessVantage Visa as category winners. (canstar.com.au)

My shortlist

What I’d personally choose

If you want the safest “default” business rewards card:
Go with NAB Rewards Business Signature. It’s relatively cheap for a rewards business card, it’s Visa, it earns uncapped points, and it works for businesses that don’t want to be locked into Qantas.

If you want Qantas Points and can use Amex widely:
Go with American Express Qantas Business Rewards. It’s one of the strongest earners, but only if your suppliers actually accept Amex and you’ll pay the balance in full — it’s a charge card, not a card to revolve debt on.

If you want Qantas Points but need broad acceptance:
Go with NAB Qantas Business Signature first, then compare ANZ Qantas Business Rewards. NAB is simpler and widely recommended; ANZ can be strong if your spend pattern suits its earn bands.

If you want low cost / may carry a balance:
Go with St.George BusinessVantage Visa or NAB Low Rate Business Card. For a business that occasionally needs cash-flow breathing room, a low-rate card is usually smarter than chasing points.

Important 2026 note for Australia

Australia’s card-payment rules changed from 1 October 2026: businesses can no longer surcharge Visa, Mastercard, eftpos or American Express transactions, and card rewards are being affected by interchange-fee reforms. That means banks are still adjusting fees, earn rates and rewards programs, so check the latest PDS/TMD and offer terms before applying. (accc.gov.au)

Bottom line: for most Australian SMEs, I’d shortlist NAB Rewards Business Signature, Amex Qantas Business Rewards, NAB Qantas Business Signature, ANZ Qantas Business Rewards, and St.George BusinessVantage Visa. That covers the real-world choices: rewards, Qantas points, broad acceptance, and low-rate practicality.

Best Business Credit Cards in Australia (2026)

Here's a rundown of the business credit cards Australian SMEs and companies actually use most, based on current comparisons:

🏆 Best Overall / Premium Rewards

American Express Platinum Business Card – The go-to for high-spending businesses. This card offers up to 300,000 bonus points, lounge access, travel insurance and heaps of other perks. It earns 2.25 Membership Rewards points per dollar, transferring 1:1 to Qantas for most categories, leading the market for businesses spending $15,000+ per month. It comes with a hefty $1,750 annual fee, so it's best suited to businesses that will actually use the premium perks.

💰 Best Value for Everyday Rewards

American Express Business Gold Plus Card – Widely seen as the best balance of cost and reward. It earns 1.5 Membership Rewards points per $1 spent with no earn cap, with points transferable to 11 airline and hotel partners, for an annual fee of $395. It delivers the best balance between business-focussed rewards and cost, letting you earn rewards points at an accelerated rate at selected B2B suppliers, with flexible options for cashflow management.

✈️ Best for Qantas Points

NAB Qantas Business Signature Card – Structured for businesses that want to earn Qantas Points on eligible everyday spending, while still getting access to travel-related perks, which is convenient for global teams. Also popular: the American Express Qantas Business Rewards Card.

🧳 Best All-Round Travel Card

ANZ Business Black Credit Card – Earns Qantas Points on everyday business spending and includes complimentary domestic and international travel insurance, making it a practical choice for businesses with staff regularly on the road.

Westpac Altitude Business Platinum is another strong travel option — it offers access to 5 frequent flyer programs and a broad range of everyday business features.

🔄 Best for Velocity Points

If you're loyal to Virgin's Velocity program, the Westpac Business Altitude Black and the ANZ Business Black both offer Velocity as a transfer partner, while American Express Membership Rewards also transfers to Velocity at a 1:1 ratio, making Amex products competitive for Velocity earners as well.

🆓 Best No/Low Annual Fee Option

CommBank Business Low Rate Credit Card – Great for startups. It requires no annual fee, has a straightforward application process, and offers a purchase rate of 14.55% p.a., making it one of the more accessible options.

💳 Fintech Alternatives (Growing in Popularity)

If you want more of a modern spend-management platform than a traditional card, two Aussie fintechs are increasingly used by SMEs:

• Weel — designed for businesses that want to manage all their spending from one place, offering virtual cards, expense management tools and transaction insights.
• Archa — an Australian fintech offering an alternative to traditional business credit cards, with an all-in-one spend management platform.
• Airwallex is also commonly used, especially by businesses with international spending needs.

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Quick Picks Based on Your Business Type:

Note:

If you are running a business in Australia, choosing the right credit card isn’t just about having a line of credit; it’s about cash flow, tax time (BAS) efficiency, and racking up frequent flyer points to offset your travel costs.

The Australian business credit card landscape has undergone massive shake-ups, with major banks scaling back perks, adjusting interest-free periods, and changing point redemption rates.

The most popular, highly-utilized business credit cards and modern spend management alternatives in Australia are categorized below.

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1. The Heavy Hitters (Best for Points & Travel)

If your primary goal is to accumulate points on business expenses (like inventory, software subscriptions, and utility bills) to use on business-class flights, these are the cards most Aussie business owners swear by.

American Express Qantas Business Rewards Card

Commonly regarded as the "King of Points" for Australian business owners. Because it is a charge card rather than a traditional credit card, it has no pre-set spending limit, which is incredibly useful for high-spend businesses needing short-term cash flow.

• The Perks: Earns an uncapped 1.25 Qantas Points per $1 on everyday business spend, and 2 points per $1 on Qantas products. (Points on government/ATO spend are 0.5 points per $1). It also offers up to 51 days to pay and two complimentary Qantas domestic lounge passes annually.
• The Catch: Amex has a higher annual fee ($450) and isn't accepted everywhere. Many local suppliers charge a hefty Amex surcharge (often 1.5% to 2%), which can quickly wipe out the value of the points you earn.

ANZ Business Black (Rewards or Qantas Frequent Flyer)

If you want the wide acceptance of the Visa network but still want premium reward rates, the ANZ Business Black is a staple.

• The Perks: Earns 1.5 ANZ Business Reward Points per $1 on the first $10,000 of monthly spend (and 1 point per $1 uncapped thereafter). Standard annual fee is $300 (+ $75 rewards fee).
• Keep in Mind: In line with a broader industry trend of trimming credit card perks, ANZ shortened its maximum interest-free period on purchases from 55 days to 44 days.

NAB Rewards Business Signature Card

A highly popular all-rounder because it has no points cap, meaning high-volume businesses don't get penalized with reduced earn rates later in the month.

• The Perks: Earns 1.25 NAB Rewards Points per $1 spent. Unlike many competitors, NAB allows you to earn points on ATO/tax payments.
• Keep in Mind: NAB has scaled back several of its rewards. The Webjet Points Booster has been removed (reverting to standard rates), and the transfer rate to Velocity Frequent Flyer has shifted from 2:1 to 3:1. Even with these cuts, it remains a robust, uncapped earner.

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2. The Low-Cost & Cash-Flow Champions

If you just want a simple card to manage expenses, issue cards to a couple of employees, and avoid paying hundreds of dollars in annual fees, look to the major banks’ low-rate or low-fee suites.

Westpac BusinessChoice Everyday Mastercard

Regularly awarded for its outstanding value in the low-cost space, this card is incredibly popular for budget-conscious small businesses.

• The Perks: Features a very competitive purchase rate (14.25% p.a.) and a low annual fee of $75—which is entirely waived for the following year if you spend $15,000 or more annually on the card.
• Best For: Active business spenders who want a cheap, reliable safety net with a major bank.

CommBank Business Low Rate Credit Card

If you already bank with CBA and use their NetBank/CommBiz ecosystem, this is a very straightforward option.

• The Perks: Low interest rates and low ongoing annual fees. It’s perfect for sole traders who want to keep business and personal expenses strictly separated for tax purposes without the noise of rewards points.

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3. The Modern Alternatives: "Smart" Corporate Cards

Over the last few years, a huge percentage of Australian startups and SMEs have moved away from traditional bank credit cards entirely. Instead, they use modern fintech spend management cards. While technically prepaid or debit-style lines of credit, they offer features traditional banks can't match.

Airwallex Corporate Cards

An absolute favorite for Australian businesses that do business internationally, import goods, or pay for US-SaaS software (like Google Ads, AWS, Slack, etc.).

• Why people use it: Airwallex offers 0% international transaction fees (compared to the 3% to 3.5% that traditional banks charge). You can instantly spin up virtual cards for employees, set strict spending limits on individual cards, and completely automate expense reconciliation by integrating directly with Xero or MYOB.

Weel (formerly DiviPay)

Weel is an all-in-one virtual card and expense management tool specifically tailored for Australian small-to-medium businesses.

• Why people use it: Instead of sharing one physical corporate card around the office, Weel allows you to instantly issue virtual Mastercards to employees’ digital wallets. It requires staff to upload a photo of the receipt before they can make another purchase, completely removing the headache of chasing receipts at the end of the month.

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Summary Checklist for Aussie Businesses:

• If you want to maximize Qantas Points: Go for the Amex Qantas Business Rewards. Just keep a Visa/Mastercard handy for suppliers that don't accept Amex.
• If you pay the ATO a lot: Look at NAB Rewards Business Signature, as it still rewards you for paying your BAS (though at standard rates).
• If you have multiple staff members or pay international software/suppliers: Skip the traditional banks and look into Airwallex or Weel to save on FX fees and automate your bookkeeping.

If you want the best business credit cards in Australia that people actually use, the strongest names that repeatedly show up in comparison guides and issuer line-ups are American Express, ANZ, Commonwealth Bank, Westpac/St.George/BankSA, and NAB.

The best choice depends on whether you want points, low fees, or simple business spending control. For most Australian businesses, the most practical picks are:

• American Express Business cards — best for high rewards earn rates and premium perks; Finder highlights the Amex Platinum Business Card with up to 350,000 bonus points and 2.25 points per $ spent.
• American Express Qantas Business Rewards Card — best if you specifically want Qantas Points; Money.com.au lists a current offer of up to 150,000 Qantas Points.
• ANZ Business Black Card — a common all-rounder for businesses wanting rewards plus travel insurance and concierge, with up to 1.5 reward points per $1 spent.
• Commonwealth Bank business credit cards — a strong pick if you want a lower-cost option; Canstar lists CBA among the top institutions for Outstanding Value – Business Credit Cards: Low Cost.
• Westpac / St.George / BankSA business cards — also repeatedly recognised for low-cost business cards in Canstar’s 2026 awards.
• NAB business credit cards — useful for businesses that want a straightforward bank-backed product; NAB notes these cards can be used for business spending, but interest is charged from the transaction date rather than after interest-free days.

A practical shortlist by use case:

A few important Australia-specific points:

• Business cards generally require an ABN, and some issuers also require minimum annual business revenue.
• Some business cards are better for large monthly spending because annual fees can be high, especially on premium Amex products.
• A business credit card is different from a corporate card: corporate cards are generally aimed at larger, established businesses with multiple cardholders.

If you want, I can next give you a top 5 ranked list for:

• lowest fees
• most Qantas points
• best for sole traders
• best for established SMEs

Assuming you’re an Australian business with an ABN, there’s no single “best” business credit card—it depends on whether you want Qantas points, flexible rewards, low fees, or expense-control features. The ones SMEs actually use most are below.

Top picks most Australian businesses look at

1. Best for Qantas points — American Express Qantas Business Rewards Card

• The most popular premium business card for Qantas-loving businesses.
• High Qantas Point earn, Qantas Club passes, Amex Offers.
• Annual fee is around $450, so you need enough spend and Qantas value to justify it.
• Also check NAB Qantas Business Rewards Card and Westpac Qantas Business Rewards Card if you prefer a big-bank issued Visa/Mastercard.

2. Best flexible rewards — American Express Business Explorer

• Earns Membership Rewards points, which transfer to Qantas, Velocity, Asia Miles, KrisFlyer and more.
• Lower annual fee than the Qantas Amex, usually around $149.
• Great all-rounder if you’re not loyal to one airline.

3. Best big-bank rewards cards

• ANZ Business Black — strong rewards, insurance/perks, popular with established SMEs.
• CommBank Business Awards / Business Platinum Awards — good if you already bank with CommBank.
• NAB Business Rewards — solid NAB alternative.
• Westpac Business Rewards — earns Altitude points and works well if you use Westpac.

4. Best low-fee / low-rate cards

• NAB Low Rate Business Card — low purchase rate, no rewards, simple.
• CommBank Business Low Rate Card — similar low-rate option.
• Bankwest Breeze Business Mastercard — no annual fee, low rate, no rewards.
• Best if you sometimes carry a balance or don’t care about points.

5. Best premium / corporate

• American Express Platinum Business Card — high fee, high limits, lounge access, travel credits, concierge.
• ANZ Business Black and CommBank Business Platinum Awards — premium big-bank options with extra perks.

6. Best for startups / online businesses / expense management These aren’t always traditional credit cards, but many Australian startups use them instead:

• Airwallex Corporate Card — very popular for e-commerce/online businesses. Multi-currency, virtual cards, Xero integration, no annual fee.
• Weel — virtual cards, approvals, Xero/MYOB integration, strong expense control.
• Archa and Cape — newer corporate-card/expense tools for startups.

If I had to narrow it down for most Aussie SMEs

• Want Qantas points: American Express Qantas Business Rewards Card, or NAB/Westpac Qantas Business Rewards if you want a bank-issued card.
• Want flexible points: American Express Business Explorer.
• Want low fees: NAB Low Rate Business Card or Bankwest Breeze Business Mastercard.
• Want startup/online-friendly: Airwallex Corporate Card or Weel.

Practical note: Business cards usually require an ABN, and directors often need to give a personal guarantee. Fees, bonus offers and earn rates change often, so check the current PDS and compare the annual fee against how much you’ll actually spend. Also keep a Visa/Mastercard backup if your suppliers don’t take Amex.

The best business credit cards in Australia right now (as of late 2026) depend on your priorities—rewards/points earning, low interest rates for carrying a balance, frequent flyer perks, or low ongoing fees—but the most frequently recommended and awarded options come from American Express, NAB, ANZ, and the Westpac group (St.George, Bank of Melbourne, BankSA).

These stand out in expert awards (Canstar, Finder), customer satisfaction surveys, and real-world use by Australian businesses for their combination of points earning (including on ATO payments in some cases), sign-up bonuses, and business features like employee cards and expense controls. Amex often leads customer love and recommendations, while big banks dominate for accessibility and low-rate options.

Top Recommendations by Category

Here are the standout products people and experts highlight most:

• Best overall for rewards and small-to-medium businesses: NAB Rewards Business Signature Card
  Frequently awarded (e.g., Finder’s best small business rewards card). Earns 1.25 NAB Rewards Points per $1 on everyday spend (uncapped, including ATO in some cases), with strong sign-up bonuses like up to 250,000 points. Annual fee around $175 per card—relatively low for the earning potential. Good for flexible redemptions and perks like concierge. NAB’s Qantas variant is also popular for frequent flyers.

• Best for Qantas Points and travel perks: American Express Qantas Business Rewards Card
  Strong earner at 1.25 Qantas Points per $1 on eligible spend (with bonuses on Qantas flights). Often paired with high sign-up offers (e.g., 150,000 bonus points + travel fund credit after meeting spend). Annual fee ~$450 (charge card style—pay in full monthly). Excellent for businesses flying Qantas or wanting travel insurance. Amex Platinum Business Card is a premium step up for very high spenders (higher fees but massive points bonuses like 350k+ and strong earn rates).

• Best low-cost/low-interest option: St.George BusinessVantage Visa (also Bank of Melbourne/BankSA)
  Canstar award winner for outstanding value low cost, with a low 9.99% p.a. purchase rate and minimal fees. Ideal if you sometimes carry a balance. CBA’s Business Low Rate Card is another strong no/low-fee contender from the big banks.

• Strong alternative rewards/travel pick: ANZ Business Black or ANZ Qantas Business Rewards
  ANZ won Canstar rewards awards for the Business Black (solid points earning with tiers). Good for uncapped or high monthly caps and travel insurance. Popular alongside Amex for points-focused users.

Other Notable Mentions

• Westpac Altitude Business cards: Solid for Altitude rewards and some travel perks.
• Amex Business Gold Plus: Frequently praised for boosted earning on categories like ads (Google/Meta), software (Xero), and everyday spend—great for digital-heavy businesses.
• Fintech/corporate options like Airwallex are gaining traction for multi-currency and expense controls but are more debit/virtual card focused.

American Express, NAB, ANZ, and the major banks (CBA, Westpac group) are the brands Australians actually use most—they top satisfaction surveys and award lists for a reason, with widespread acceptance and business-friendly features.

Quick Tips for Choosing and Applying

• Match to your spend: High rewards spenders love Amex/NAB points cards; those needing flexibility on balances prefer low-rate bank options. Check earning rates on your main categories (e.g., ads, travel, ATO).
• Eligibility: Most require an ABN and business revenue proof (e.g., $75k+ for some Amex offers). Compare sign-up bonuses carefully—they often require minimum spend in the first 3 months.
• Fees and features: Watch annual fees ($0–$1,750+), interest rates (9.99%–20%+ p.a.), foreign transaction fees, and extras like employee cards, insurance, or integrations.
• Always compare live offers: Rates, bonuses, and terms change—use sites like Finder or Canstar, or check bank/Amex sites directly. Consider your cash flow (charge cards like many Amex require full payoff monthly).

Shop around based on your business size, spend volume, and whether you value points, low rates, or simplicity. If you share more details (e.g., monthly spend, travel needs, or if you carry balances), I can refine this further.

The strongest all‑round business credit cards in Australia are the ANZ Business Black, NAB Rewards Business Signature, American Express Qantas Business Rewards, and the BusinessVantage Visa for low‑cost cash‑flow needs.

If you’re in Australia, these are the cards most widely recommended and used by businesses, based on expert picks and award results from Money.com.au and Canstar.

⭐ Top Business Credit Cards (Based on 2026 Expert Rankings)

🏆 Best for Rewards

NAB Rewards Business Signature

Earns 1.25 NAB Rewards points per $1 with no points cap. Points transfer partners include Velocity, KrisFlyer, Cathay. $175 annual fee per card, strong value at typical business spend levels. Recognised by Canstar for Outstanding Value in Rewards.

ANZ Business Black Credit Card

Earns 1.5 points per $1 on first $10k monthly, then 1 point per $1 uncapped. Strong value at $120k–$240k annual spend levels. Also Money.com.au’s top pick for rewards.

✈️ Best for Frequent Flyers

American Express Qantas Business Rewards Card

Up to 1.25 Qantas Points per $1. Frequent flyer specialist pick from Money.com.au. Strong redemption value and travel perks.

American Express Velocity Business Card

Earns 1 Velocity Point per $1, 2 points on Virgin Australia spend. Includes travel insurance and lounge passes. Recognised by Canstar for Outstanding Value Frequent Flyer.

💼 Best Premium Business Card

American Express Platinum Business Card

Up to 2.25 Membership Rewards points per $1. High-end perks and large bonus offers. Money.com.au’s top premium pick.

💸 Best Low‑Cost Business Cards

BusinessVantage Visa (St.George, Bank of Melbourne, BankSA)

9.99% purchase rate, the lowest among assessed cards. Low ongoing fees and strong features. Canstar’s Outstanding Value Low Cost winner.

CommBank Business Low Rate Credit Card

No annual or additional cardholder fees. 14.55% purchase rate. Ideal for businesses wanting minimal ongoing cost.

Westpac BusinessChoice Everyday Mastercard

14.25% purchase rate and $75 annual fee, waived with $15k annual spend. Consistently recognised for low cost.

🧭 Which Card Should You Choose?

Business Need | Best Card(s) | Why High rewards value | NAB Rewards Business Signature, ANZ Business Black | High earn rates, strong value at typical business spend levels 2 Qantas or Velocity points | Amex Qantas Business Rewards, Amex Velocity Business | Best frequent flyer earn and redemption value 2 Premium perks | Amex Platinum Business | Highest earn rates and premium benefits 1 Low fees / carry a balance | BusinessVantage Visa, CommBank Business Low Rate | Lowest purchase rates and minimal fees 1 Cash‑flow tool | BusinessVantage Visa | Designed for businesses that revolve balances 1

✅ What Most Australian Businesses Actually Use

Based on expert picks and award winners, the most commonly recommended and widely adopted business cards are:

ANZ Business Black (rewards + frequent flyer) NAB Rewards Business Signature (rewards) American Express Qantas Business Rewards (frequent flyer) BusinessVantage Visa (low cost / cash flow)

These consistently appear across Money.com.au’s top picks Money.com.au and Canstar’s 2026 award winners Canstar.

Want a tailored recommendation?

How much does your business typically spend per month, and do you prefer rewards or low fees?

American Express and major Australian banks provide the top business credit cards and charge cards used by local businesses.

1. Rewards & Points (Amex)

American Express Business Explorer / Business Gold: Best for: High points earning on general business spend and travel perks. Pros: Strong sign-up bonuses, high reward-to-spend ratios, integrates well with heavy operational/supplier expenses. : Lower acceptance at certain small merchants compared to Visa/Mastercard; higher annual fees. American Express Platinum Business: Best for: High-spend enterprises wanting lounge access, travel insurance, and luxury perks.

2. Major Bank Options (Visa / Mastercard)

NAB (National Australia Bank) Business Cards: Best for: Multi-card setup and expense management. Pros: Attach multiple employee cards with custom limits, low-rate or interest-free options, integrates with accounting tools like Xero and MYOB. CommBank (Commonwealth Bank) Business Credit Cards: Best for: Day-to-day cash flow and local banking integration. Pros: Streamlined reporting inside the NetBank/CommBank app, wide acceptance. ANZ and Westpac: Best for: Businesses already banking with them who want bundled account management and credit lines.

3. Modern Spend & Expense Platforms

Cape: Best for: Modern digital-first spend management and corporate cards. Pros: Real-time visibility, budget controls, team-spending limits, and streamlined workflows.

Key Factors to Choose:

Acceptance: Visa/Mastercard (CommBank/NAB) work everywhere; Amex earns higher points but is occasionally unaccepted. ATO/Tax Payments: Check whether the card earns points on Australian Taxation Office payments (Amex and some bank cards carry surcharges or restricted point rates). Foreign Currency (USD): If paying overseas SaaS or suppliers, look for low foreign transaction fees. Accounting Sync: Ensure Xero/MYOB integration.

If you share your approximate monthly spend and main category of spend (travel, ads, or suppliers), I can narrow down which card type fits best.

The American Express Qantas Business Rewards Card and the CommBank Business Low Rate Credit Card are among the best and most widely used business credit and charge cards in Australia, catering to frequent flyers and low-cost seekers respectively.

Australian businesses rely on several top-tier options depending on whether their goal is earning rewards, keeping interest/fees low, or managing multi-currency expenses.

Top Business Credit & Corporate Cards in Australia

American Express Qantas Business Rewards Card: Best for earning Qantas Points on everyday business spending with staff cardholder perks and travel insurance. American Express Business Platinum Card: Best for luxury perks, offering unlimited airport lounge access, high point-earning caps, and comprehensive travel insurance. CommBank Business Low Rate Card: Best traditional bank option for minimizing interest charges, featuring flexible employee spending limits and centralized tracking. NAB Business Credit Card / Virtual Card: Best for digital-first expense tracking, offering virtual card generation and streamlined corporate expense integration. Airwallex Corporate Card: Best modern alternative for international spending, offering multi-currency wallets and zero foreign transaction fees (structured as a corporate debit/expense platform rather than a traditional credit card).

Comparison of Popular Options

If you let me know your primary monthly spend and whether you prefer frequent flyer points or low interest rates, I can recommend the exact card that fits your business model.