St.George

Short answer: in Australia, I’d shortlist NAB, ANZ, American Express, Westpac, CommBank, and St.George/BankSA/Bank of Melbourne. They’re the mainstream names that show up consistently in current Australian business-card comparisons and awards, rather than niche products. As at 3 September 2026, rewards cards are also in a transition period: the RBA’s card-payment changes start 1 October 2026, and some banks are already changing points/benefits, so re-check the current offer before applying. (rba.gov.au)

Best business credit cards in Australia — practical shortlist

My recommended ranking

1. NAB Rewards Business Signature — best all-rounder if you want flexible rewards and broad acceptance.
2. NAB Qantas Business Signature — best mainstream Qantas business card if you prefer Visa acceptance.
3. American Express Qantas Business Rewards — best Qantas earn if your suppliers accept Amex and you pay in full.
4. ANZ Qantas Business Rewards — strong Qantas alternative, especially for ANZ business customers.
5. St.George BusinessVantage Visa — best if interest rate matters more than points.
6. CommBank Low Rate Business Credit Card — simple, cheap, useful for existing CommBank business customers.
7. Westpac Altitude Business Platinum / Gold — good flexible-rewards backup, especially if you already bank with Westpac.

How I’d choose

• If you pay the card off every month: choose rewards — NAB Rewards Business Signature, NAB Qantas Business Signature, ANZ Qantas Business Rewards, or Amex Qantas Business Rewards.
• If you ever carry a balance: skip rewards and look at St.George BusinessVantage Visa, CommBank Low Rate, or NAB Low Rate Business Card. Rewards cards often charge around 19–21% p.a., which can wipe out points value quickly. (nab.com.au)
• If you spend heavily on Qantas flights: Amex Qantas Business Rewards is compelling where accepted, because of its Qantas-specific earn rates. (americanexpress.com)
• If you pay ATO or government bills: check the specific earn rate carefully. NAB Rewards Business Signature currently includes ATO in everyday business purchases, while Amex earns a lower rate on government/utilities/insurance spend. (nab.com.au)
• If you need multiple employee cards or business liability: check liability structure carefully. Some cards are personal liability; some, like certain Westpac/CommBank corporate products, are business liability. (commbank.com.au)

Bottom line: for most Australian small businesses that pay in full, I’d start with NAB Rewards Business Signature or NAB Qantas Business Signature. If Amex acceptance is good in your industry, add or compare against American Express Qantas Business Rewards. If you might carry debt, ignore points and go St.George BusinessVantage Visa or CommBank Low Rate.

If you want the business credit cards Australians actually use most, the strongest names across the market are NAB, American Express, ANZ, Commonwealth Bank, and Westpac/St.George.

The best pick depends on what you want the card to do: rewards, Qantas points, or low fees/low interest.

If you want a simple shortlist:

• NAB Rewards Business Signature Card if you want a strong all-round business rewards card.
• NAB Qantas Business Signature Card if your business wants Qantas points.
• American Express Business Gold Plus if your spending is high and you want the best points earn.
• AmEx Qantas Business Rewards if you specifically want Qantas points and strong earn rates.
• St.George BusinessVantage Visa if you care more about low interest than rewards.
• CommBank Business Awards / Platinum Awards if you want a major-bank option with a lower-cost profile.

A practical Australia-specific note: Amex often gives the strongest rewards, but Visa/Mastercard are more widely accepted, so many businesses keep one of each type or choose a Visa/Mastercard if supplier acceptance matters.

If you want, I can also narrow this to:

• best business card for sole traders
• best for Qantas points
• best low-fee business card
• best Amex vs Visa options in Australia