Westpac

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

The best business credit cards in Australia in 2026 vary by your priorities—such as earning rewards/points, keeping interest low if you carry a balance, frequent flyer redemptions, or strong expense controls and employee cards.

Popular options come from major banks (NAB, ANZ, Westpac group, CommBank) and American Express, which often leads in customer satisfaction. These are widely used due to integration with business banking accounts, accounting software (e.g., Xero), and features like multiple employee cards.

Top Recommendations by Category

Here are standout products based on 2026 awards (Canstar, Finder), comparisons, customer feedback, and popularity:

• Best for Rewards (General Points): NAB Rewards Business Signature Card and ANZ Business Black.
  NAB earns uncapped points on everyday spend (including ATO payments) and has won Finder Product Awards for small business rewards. ANZ won Canstar’s Outstanding Value Rewards award with strong earn rates (1.5 points per $1 on the first $10k monthly, then 1 point).

• Best for Frequent Flyer Points (Qantas or similar): NAB Qantas Business Signature Card and American Express options (Qantas Business Rewards or Platinum Business Card).
  NAB has won multiple Finder awards for best business frequent flyer card. Amex cards often deliver high bonus points offers (e.g., 150k–350k) and strong redemption value; Amex frequently tops Finder’s customer satisfaction for being “most loved” and “most recommended.”

• Best Low-Cost / Low Interest Rate: St.George Bank, Bank of Melbourne, or BankSA BusinessVantage Visa (9.99% p.a. purchase rate—the lowest in Canstar’s assessment) or similar Westpac-group options. These suit businesses that may carry a balance. CommBank also scores well for trust.

• Premium Rewards / High-Spend Option: American Express Platinum Business Card or Business Gold Plus Card.
  These are charge cards (balance due in full monthly, no interest) with high earn rates (up to 2.25 Membership Rewards points per $1 on eligible spend), generous sign-up bonuses (e.g., 350k points + credits), and perks like lounge access or employee cards. Amex excels in satisfaction surveys and is often recommended for high-volume spenders.

• Other Notable Mentions: Westpac Altitude Business cards for rewards + insurance; CommBank low-rate or corporate options for established banking relationships. Fintech-style corporate cards (e.g., Airwallex) are gaining traction for multi-currency, virtual cards, and controls, though they’re often debit or hybrid rather than traditional credit.

What People Actually Use

Big-four bank cards (NAB, ANZ, Westpac, CommBank) and Amex dominate due to widespread acceptance, easy integration with existing business accounts, and proven reliability. Amex stands out in independent customer satisfaction surveys for love, trust, and recommendations.

NAB and Amex frequently win product awards, making their cards popular among rewards-focused businesses. Low-rate Westpac-group cards appeal to cost-conscious users who occasionally revolve balances.

Key Things to Consider (as an Australian Business)

• Eligibility: Most require an ABN, some trading history (e.g., 6–12 months), and a personal guarantee/credit check.
• Fees & Rates: Annual fees range from $0–$1,750+. Charge cards (Amex) require paying the full balance monthly. Interest rates on revolving credit are typically 13–20%+ p.a.
• Rewards & Perks: Look at uncapped earning, bonus categories (e.g., ads, software), Qantas/Velocity points, travel insurance, and employee card options (often free or low-cost).
• Cash Flow & Controls: Up to 55 interest-free days on many cards. Newer options offer virtual cards, spending limits per employee, and accounting integrations.
• FX Fees: Check for international spend—some (like certain NAB cards) offer 0%.
• Current Offers: Sign-up bonuses change frequently; always verify on the issuer’s site.

Compare the latest terms on Canstar, Finder, or the banks’ websites, as rates, fees, and bonuses update regularly. Your choice should match your monthly spend, whether you pay in full, travel needs, and existing banking setup. If you share more details (e.g., estimated spend, focus on points vs low rates, or industry), I can refine this further.

For Australian businesses, American Express leads in rewards and frequent flyer benefits, NAB, Westpac, and ANZ offer strong Visa/Mastercard options, while fintech cards like Airwallex and Wise are ideal for international transactions.

Top Australian Business Credit Cards by Category

1. American Express Business Cards

Amex Platinum Business Card – High-reward card for premium business spenders; up to 2.25 Membership Rewards points per $1 on eligible purchases, 350,000 bonus points for new cardholders, and extensive travel benefits including airport lounge access and hotel status. Ideal for businesses spending $150,000+ annually. Annual fee: $1,750. Amex Business Gold Plus Card – Great for SMEs with significant digital/computer-related expenses. Earn up to 1.5 points per $1 on eligible purchases, 3 points per $1 on Xero, Google Ads, Meta, AWS, and Dell. Annual fee: $395. Amex Qantas Business Rewards Card – Best for frequent Qantas flyers; earn 1.25 Qantas Points per $1 spent on eligible business expenses, 2 points per $1 on Qantas products. Annual fee: $450 (charge card; balance must be paid in full monthly).

2. Major Bank Cards (Visa/Mastercard)

NAB Business Signature Card – Earn Qantas Points effectively at 1 point per $1.50 spent on eligible purchases, widely accepted via Visa. Annual fee: $295. Westpac Altitude Business Platinum Mastercard – 2 Altitude Rewards points per $1, transferable to Qantas/Velocity, suitable for businesses valuing flexible rewards. Annual fee: $250. ANZ Business Black Card – Premium option for existing ANZ clients; competitive rewards program, insurance, and lounge access. Annual fee: $300.

3. Fintech Alternatives (for international payments or no-frills use)

Airwallex Business Card – Multi-currency card with no foreign transaction fees, ideal for international suppliers and SaaS payments. Best for businesses with cross-border operations. Annual fee varies by plan, including free tiers. Wise Business Card – Debit card with transparent FX rates (0.4–1.5%) and strong usability for global payments. No credit facility; suitable for frequent small international transactions. Tyro EFTPOS and Business Card – Useful for hospitality, retail, and trades businesses seeking integrated payment solutions with Xero accounting feeds, though rewards are limited.

Choosing the Right Card

High domestic spend and rewards focus: Amex Platinum Business or Business Gold Plus, Amex Qantas Business Rewards. High international spend: Airwallex or Wise paired with a domestic rewards card. Wide acceptance: NAB Business Signature or Westpac Altitude options (Visa/Mastercard broadly accepted across Australia). Employee cards and controls: Amex Platinum supports up to 99 additional employee cards; Airwallex offers virtual cards with instant controls. Low annual spend (<$50,000/year): Consider low-fee cards such as CommBank Business Low Rate or fintech debit options.

Practical Tips

Interest-free days: Many Australian business cards offer 44–55 days, extending working capital without paying interest. Xero/MYOB integration: Automating feeds saves reconciliation time; check before selecting a card. Separation of expenses: Using a dedicated business credit card simplifies tax reporting and GST claims. Dual-card strategy: Many businesses combine Amex for rewards and Visa/Mastercard for wide acceptance.

In summary, Amex leads for rewards and frequent flyer points, major banks provide widely accepted Visa/Mastercard solutions, and Airwallex/Wise offer strong options for international business needs, depending on business spend patterns and operational requirements.