Best business credit cards in Australia,
according to AI

Some of the top business credit cards in Australia include American Express, NAB, Westpac, and ANZ, with selections catering to rewards points, frequent flyer programs, low fees, and international spending needs.

Top Business Credit Cards by Rewards and Features

1. American Express Platinum Business Card

Annual fee: $1,750 Rewards: Up to 2.25 Membership Rewards points per $1 on eligible spend Sign-up bonus: 350,000 points when $12,000 is spent in the first 3 months Best for: High-spending businesses wanting premium travel perks, extensive employee cards (up to 99), and access to airport lounges and hotel loyalty status 2 . Considerations: High annual fee; recommended for businesses with significant card spend.

2. American Express Business Gold Plus Card

Annual fee: $395 Rewards: 1.5 points per $1 on eligible everyday spend; 3 points per $1 on Xero, Google Ads, Meta, AWS, and Dell Sign-up bonus: 200,000 points after spending $5,000 in 3 months Best for: SMEs with significant digital advertising or software expenses 1 . Considerations: Not universally accepted; may need a Visa/Mastercard for wider acceptance.

3. American Express Qantas Business Rewards Card

Annual fee: $450 (charge card) Rewards: 1.25 Qantas points per $1 on eligible spend; 2 points per $1 on Qantas products Sign-up bonus: 150,000 points with $6,000 spend in first 3 months Best for: Businesses that travel frequently with Qantas or partners; points can be used for flights or transferred to Qantas Frequent Flyer 1 . Considerations: Full balance must be paid monthly; no revolving credit.

4. NAB Rewards Business Signature Card

Annual fee: $175 Rewards: Up to 1.25 points per $1 on everyday spend (including ATO payments) Sign-up bonus: 150,000 Qantas Points with $10,000 spend in first 90 days Best for: Businesses wanting broad Visa acceptance and integration with NAB business banking 1 . Considerations: Lower points earn rate compared with Amex cards.

5. Westpac Altitude Business Platinum Mastercard

Annual fee: $200 Rewards: 2 Altitude Rewards points per $1 on eligible purchases; transferable to multiple frequent flyer programs 1 . Best for: Businesses desiring flexibility in rewards transfer options. Considerations: Conversion rates may vary; not all partners offer equal value.

6. ANZ Business Black Credit Card

Annual fee: $300 Rewards: Up to 1.5 points per $1 Best for: Existing ANZ customers seeking Visa compatibility with corporate features 1 . Considerations: Rewards slightly less generous than Amex options.

Fintech Alternatives for International Spending

1. Airwallex Business Card

No annual fee on some tiers; no foreign transaction fees Multi-currency wallet ideal for paying international suppliers Virtual card controls for employees Best for: Businesses with frequent overseas transactions 1 .

2. Wise Business Card

No ongoing card fee; transparent FX fees (0.4–1.5%) Multi-currency capabilities for international spend Best for: SMEs paying in multiple currencies with predictable costs 1 .

Choosing the Right Card

High domestic spend for rewards points: Amex Business Gold Plus or Amex Qantas Business Rewards High international spend: Airwallex or Wise paired with a domestic rewards card Visa/Mastercard acceptance everywhere: NAB or Westpac cards Low annual spend (<$50,000/year): Consider no-fee or low annual fee options such as CommBank Business Low Rate Credit Card or Bank of Melbourne Business Vantage Visa 2 . Employee cards & spend control: Amex options allow up to 99 employee cards; fintech cards offer virtual cards with instant controls 1 .

Selecting your business card should consider annual fees, rewards per dollar spent, interest-free days, international transaction fees, and employee controls, while also checking compatibility with accounting software like Xero or MYOB . Combining a rewards card with a fintech multi-currency card is a common strategy for Australian SMEs to maximize points domestically while saving on international fees.

Best Business Credit Cards in Australia (2026)

Here's a breakdown of the business cards Australians actually use most, grouped by what they're best for:

🏆 Best for Rewards Points & Sign-Up Bonuses — American Express Business Cards

Amex dominates the rewards space for Australian small businesses:

• Amex Business Explorer/Platinum — Earns 2.25 Membership Rewards points per dollar on eligible purchases, with a sign-up bonus of up to 350,000 points, plus access to over 1,400 airport lounges worldwide and complimentary hotel status (Marriott Gold, Hilton Gold). This is best for high-spending businesses ($150,000+ per year) that want premium travel benefits, though the $1,750 annual fee requires significant spend to justify.
• Amex Business Edge — Great if you spend heavily on digital tools: it offers 200,000 bonus points on spend, with a 3x earn rate on Xero, Google Ads, Meta, and AWS being unique to this card and extremely valuable for those line items, plus a $650 annual credit with participating B2B merchants.
• Watch out:

G’day! When it comes to business credit cards in Australia, the “best” really depends on your spending habits, whether you want rewards, travel perks, or just a low-cost account to manage cash flow. Below are the top brands and specific products that Australian business owners actually use, broken down by need.

1. Best All-Rounder for Rewards: American Express Business Explorer Card

• Why people use it: No annual fee for the first year ($0 then $0 ongoing if you spend $5k/yr, but usually $99), and earns 1.5 Membership Rewards points per dollar spent. Points transfer to major airlines (Qantas, Virgin, Singapore) and hotels.
• Best for: Small businesses that spend moderately and want flexible rewards without a high fee.
• Real talk: Amex isn’t accepted everywhere in Australia (e.g., some tradies, small shops, or council rates), so have a Visa/Mastercard backup. Many business owners pair this with a free Visa.

2. Best for Qantas Frequent Flyers: Qantas Business Rewards Card (by NAB)

• Why people use it: Earns 0.75 Qantas Points per $1 on everyday spend, 0.5 on government/utilities. Plus, up to 55 days interest-free. Annual fee is $199 (first year waived).
• Best for: Businesses that fly Qantas often and use the Qantas Business Rewards program for staff flights, upgrades, or fuel.
• Real talk: The earn rate is okay, but the real value is the business-specific perks—like bonus points on partner bookings and reward seat availability.

3. Best for Low Fees & Simple Cashback: Bank of Queensland Business Visa

• Why people use it: Annual fee $0 forever. No foreign transaction fees, and it offers 1% cashback on eligible purchases (capped at $25/month). Interest-free period up to 55 days.
• Best for: Sole traders or very small businesses that want a no-fuss card with a bit of cash discount and no hidden costs.
• Real talk: The cashback cap is low, but if you spend under $2,500/month on business expenses, it’s effectively free money.

4. **Best for Travel Perks & Insurance: Virgin Money High Flyer

When choosing a business credit card in Australia, the best option depends on your business's specific needs, whether you prioritise rewards, frequent flyer points, low-interest rates, or features for managing employee spending. Top brands consistently recommended include American Express, NAB, ANZ, Westpac, and Commonwealth Bank.

Here's a breakdown of some of the top business credit cards and what they offer:

For Rewards and Frequent Flyer Points:

• American Express cards are often highlighted for their strong rewards programs, particularly for frequent flyer points.
  • American Express® Platinum Business Card is a top choice for rewards points. It offers a high earn rate and can come with a significant annual fee, but also provides extensive benefits such as up to 99 employee cards at no additional cost.
  • American Express® Qantas Business Rewards Card is ideal for accumulating Qantas points. It's a charge card, meaning the balance is due in full each month.
  • American Express Business Gold Plus Card offers accelerated points on spending with platforms like Xero, Google Ads, and Amazon Web Services, along with statement credits.
  • American Express Business Explorer Credit Card provides flexibility with rewards points that can be transferred to 10 major airline, hotel, and retail partners.
• NAB Qantas Business Signature Card is consistently recognised as a leading choice for businesses focused on Qantas Points, especially for those that travel frequently.
• ANZ Qantas Business Rewards Credit Card is another strong contender for earning Qantas points.
• Westpac Altitude Business Platinum Mastercard offers points through the Altitude Rewards program, which can be used for gift cards, merchandise, or transferred to frequent flyer programs like Virgin Australia and Qantas Frequent Flyer.
• ANZ Business Black Credit Card provides premium features and the potential for substantial, uncapped rewards, including 1.5x reward points for every $1 spent up to $10,000. Points can be converted to cashback or redeemed with several airline programs.

For Low Rates and Cost Management:

• Bank of Melbourne Business Vantage Visa Credit Card is noted as a good option for a low-rate business credit card.
• NAB Low Rate Business Card (NAB Corporate and Purchasing Card) prioritises lower borrowing costs and can be suitable for businesses that occasionally carry a balance. It has a 0% annual fee in the first year.
• St.George Business Vantage Visa Credit Card is a straightforward option for businesses looking for a low purchase rate and a modest annual fee, with a 9.99% p.a. variable purchase rate and a $55 annual fee per card.
• CommBank Business Low Rate Credit Card is recognised for offering outstanding value in the low-cost category.

Other Noteworthy Options:

• CommBank Business Awards allows businesses to earn points on everyday domestic spending, though its value is maximised by paying the balance in full. Commonwealth Bank is also highly rated for customer satisfaction and trustworthiness.
• Westpac BusinessChoice Everyday combines a traditional credit facility with controls for businesses issuing cards to multiple employees, offering individual card limits.

When making your decision, consider the annual fees, interest rates, rewards programs, interest-free days, and any additional perks like complimentary travel insurance or expense management tools. Many providers offer options with different liability structures (personal or business liability), which is an important consideration for business owners and directors.

The best business credit cards in Australia right now (as of mid-2026) tend to come from major banks and American Express, with strong options for rewards/frequent flyer points, low rates, or everyday value.

Popular choices that people and businesses actually use often tie into existing banking relationships (e.g., CommBank, NAB, Westpac/ St George, ANZ) or focus on earning transferable points (especially Amex and Qantas-linked cards). Many Aussies in small-to-medium businesses (SMEs) or with travel-heavy spending go for rewards cards, while larger or cost-conscious ops favour low-rate options from the big four banks.

Here are the standout recommendations based on recent awards (e.g., Canstar), comparison sites, and mentions of real-world use:

Top Rewards & Frequent Flyer Picks (Great for Most Businesses That Pay Off Balances Monthly)

• American Express Business Cards (e.g., Business Gold Plus, Qantas Business Rewards, Velocity Business, or Platinum Business): These frequently top Canstar awards for rewards and frequent flyer value. They excel at earning Membership Rewards points (or direct airline points) on business spend, with strong sign-up bonuses (often 150k–350k points), transfer options to Qantas/Velocity/etc., travel insurance, and perks. Amex is popular among points-chasers and SMEs for maximising everyday and travel spend. Annual fees start from around $249–$395 (sometimes $0 first year), with high interest rates if you carry a balance (~23.99% p.a.).
• NAB Qantas Business Signature Card: A go-to for Qantas-focused businesses. Earn Qantas Points on spend (e.g., ~0.66–1 point per $1.50), with welcome bonuses (often 150k points), travel insurance, and Qantas Business Rewards integration. Annual fee around $295. Favoured by travel-heavy teams.
• Westpac Altitude Business Platinum (or Gold): Solid rewards via Altitude points (transferable to airlines including Qantas/Virgin), up to 55 interest-free days, concierge, and insurance. Often $0 first year then ~$200 ongoing. Good all-rounder for flexibility.

Strong Low-Cost or Everyday Options (Popular with Larger or Cash-Flow Focused Businesses)

• CommBank Business Low Rate or Corporate Low Rate Credit Cards: Canstar award winners for low-cost value. Lower interest rates (e.g., ~14.55% p.a. on some), scalable employee cards (thousands possible), and practical expense management. Ideal if you might carry a balance or need multi-user controls. Fees are often low or volume-based.
• St George (Westpac Group) Amplify Business cards (Rewards or Qantas options): Award-winning for low cost and rewards. Low or no ongoing annual fees in some cases, solid points earning, and integration with existing Westpac banking.
• ANZ Business Black or Low Rate options: Premium concierge, rewards earning (up to 1.5 points per $1 on some), and flexibility. Annual fees around $300 (plus per-card rewards fees sometimes). Popular for high spenders wanting extras.

Quick Tips for Choosing (Tailored to Aussie Businesses)

• Rewards vs low rate: If you pay in full each month and spend on travel/business expenses, prioritise Amex, NAB Qantas, or Westpac Altitude for points value. For carrying balances or minimising costs, go big-bank low-rate cards like CommBank.
• Key features to check: Interest-free days (typically 44–55), annual fees (many $0 first year), employee card options and controls, accounting integrations (Xero/MYOB), foreign transaction fees, and welcome bonuses.
• Who uses what? Big banks dominate for established businesses due to easy integration and limits. Amex and Qantas cards are favourites among rewards enthusiasts and frequent flyers (common on forums like Reddit’s r/AusFinance). Larger corps often use CommBank or similar for scale.
• Always compare personally: Rates, fees, and bonuses change—use Canstar, Finder, or the bank sites. Consider your monthly spend, whether you travel, and if you want points or simplicity. Eligibility usually requires an ABN and good credit.

Shop around via the providers’ sites or comparison tools, and factor in your specific cash flow and spending patterns. If your business has international needs or high volume, also look at options like OFX-linked cards for multi-currency perks.

When selecting a business credit card in Australia, it's essential to consider factors such as rewards programs, interest rates, annual fees, and additional perks that align with your business needs. Here are some top-rated business credit cards currently available:

Here’s How To Book Business Seats At Economy Prices American Express Qantas Business Rewards Card
Ideal for businesses with an annual turnover up to $10 million, this card offers 170,000 bonus Qantas Points when you apply by 16 June 2026 and spend $6,000 on eligible purchases within the first three months. Enjoy up to 51 days to pay for purchases and the flexibility to add up to 99 employee cards at no additional cost. The annual fee is $450. (qantas.com)

NAB Qantas Business Signature Card
This card is tailored for businesses aiming to earn Qantas Points on everyday spending. It offers 150,000 bonus Qantas Points when you spend $10,000 within the first three months. The annual fee is $295, and you can earn 1 Qantas Point for every $1.50 spent. Additional benefits include complimentary travel insurance and up to 44 days interest-free on purchases. (wise.com)

American Express Platinum Business Card
Designed for high-spending businesses, this card offers up to 350,000 Membership Rewards Points when you apply by 14 July 2026 and spend $12,000 on eligible purchases within the first three months. Enjoy generous lounge access, travel insurance, and a high earn rate of 2.25 points per dollar on eligible purchases. The annual fee is $1,750. (forbes.com)

ANZ Business Black Visa Card
This card offers 150,000 bonus points upon meeting certain conditions and comes with a base annual fee of $300, plus a $75 rewards fee. It features an uncapped rewards points program with a strong conversion rate and complimentary travel insurance. There's no limit on the number of additional cardholders, and it provides an interest-free period of 55 days. (forbes.com)

Westpac Altitude Business Gold Card
With no annual fee for the first year (then $150), this card offers a rewards program capped at 20,000 points per statement. Points can be linked to various frequent flyer programs, and it includes complimentary travel insurance. The interest rate is 20.24%, and you have up to 55 days interest-free on purchases. (forbes.com)

When choosing a business credit card, assess your company's spending patterns, desired rewards, and the importance of additional benefits like travel insurance or lounge access. Always review the terms and conditions to ensure the card aligns with your business objectives.

If you want the business credit cards Australians actually use most, the strongest names to look at are American Express, NAB, ANZ, Westpac, CommBank, and St.George. For the best overall picks by use case, the most consistently recommended cards in Australia are NAB Rewards Business Signature, NAB Qantas Business Signature, St.George BusinessVantage Visa, ANZ Business Black / ANZ Qantas Business Rewards, and Amex Business Gold Plus / Amex Qantas Business Rewards.

• Best for rewards points: NAB Rewards Business Signature Card is repeatedly listed as a top small-business rewards card, and American Express is widely described as leading the rewards market.
• Best for Qantas points / frequent flyer: NAB Qantas Business Signature Card, ANZ Qantas Business Rewards, and Amex Qantas Business Rewards are among the most recommended frequent-flyer options.
• Best for low interest / lower cost: St.George BusinessVantage Visa is highlighted as a best low-interest business card, while CommBank, St.George, and Westpac are grouped among the strongest low-cost institutions by Canstar.
• Best for wider Visa/Mastercard acceptance: NAB Business Signature and Westpac Altitude Business Platinum are specifically called out as good choices if you want broader acceptance than American Express.
• Best for premium travel and high spend: American Express Business Gold Plus and Amex Qantas Business Rewards are the most commonly recommended premium business cards for businesses with heavy spend, especially travel or ad/marketing costs.

A practical shortlist for an Australian business owner would be: