---
title: "American Express® Business Gold Plus Card — American Express"
description: "Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/american-express/products/6b78ce86-e85e-44f4-999b-bc2bb5b2392b
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T05:00:00.000Z
---

# American Express® Business Gold Plus Card — American Express

> Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Make big plans with the metal Card that turns your business purchases into rich rewards.

## At a glance

- **Purchase rate:** 23.99%
- **Annual fee:** $395.00

## Apply

Applications are handled by the provider: [Apply at American Express](https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Flexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit.) | 23.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Fee — Charged yearly · Discount −$200.00 — American Express may, at its discretion, discount the annual fee where the customer holds an eligible American Express Personal Card and meets all other applicable eligibility criteria. (eligibility: Other: Reduced Annual Card Fee on the American Express Business Gold Plus Card as long as you continue to hold your eligible American Express Personal Card and meet all other applicable eligibility criteria.) | Ongoing | $395.00 |
| Business Employee Card Fee (applies to first 2 Employee Cards) — Charged yearly · Applies to the first 2 Employee Cards. | Ongoing | $0.00 |
| Business Employee Card Fee (applies from the 3rd Employee Card onwards) — Charged yearly · Applies to each Employee Card from the 3rd to 99th Employee Card. | Ongoing | $75.00 |
| Late Payment Fee — When you do not pay the minimum payment required by the due date as shown on your statement. · Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. | Event | 3% of balance |
| Currency Conversion Fee — 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction |
| Dishonour Fee — $20 for each dishonour or debit rejection. | Event | $20.00 |
| Over The Counter Fee — $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. | Payment | $3.00 |
| Record of Charge Fee — 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. | Event | $7.00 |

## Features

- **Additional cards** — up to 99 (Two Employee Cards for no extra fee then $75 p.a. for each additional Employee Card.)
- **Bill payment (BPAY)** — Ways to pay your bill
- **Bonus rewards** — New Card Member Offer
- **Bonus rewards** — Existing Merchant Member Card Offer
- **Digital banking** — Amex App (The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Fraud protection** (Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.)
- **Insurance included** — International & Domestic Travel Insurance (Terms, conditions, cover limits and exclusions apply.)
- **Loyalty program** — Membership Rewards (3 points per $1 spend at Xero, Google Ads, Meta, Amazon Web Services and Dell.
2 points per $1 spend with AccessLine®. Subject to approval. Enrolment required.
1.5 points per $1 on everyday spend.
1 point per $1 spend on government spend.
Accelerated earn rates apply on the first 200,000 points earned in a calendar year, then earn 1 point per $1 spend across all categories.)
- **Notifications** — Payment due reminder
- **Notifications** — Spend tracking notification
- **Notifications** — Payment received alert
- **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.** — Amex Offers
- **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.** — American Express 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.** — Flexible Payment Option
- **Give your business financial breathing room with up to 55 days to pay for purchases.** — Cash Flow Days
- **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.** — The Hotel Collection
- **Card Members receive complimentary Hilton Honors Silver status.** — Hilton Honors Silver Status
- **With Hertz Gold Plus Rewards® loyalty program, you’ll enjoy a range of benefits at participating locations across the world.** — Hertz Gold Plus Rewards
- **Your Business Gold Plus Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card** — Flexible Spending Power
- **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.** — Business Gold Plus Card Benefits

## Eligibility

- **Minimum age** — 18 years
- **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.)
- **Employee 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.**
- **Business customers** (Must be a Director or Controller of the business)
- **Business customers** (An active Australian Business Number (ABN).)
- **Business must be GST registered.**
- **Minimum turnover** — $75,000.00 p.a.
- **Applications are assessed based on the information provided and are subject to credit approval.**

## More information from American Express

- [Overview](https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/)
- [Terms & conditions](https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/)
- [Eligibility](https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/)
- [Fees & pricing](https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/)

## Data provenance

- Published by American Express under the Consumer Data Right
- Product ID: `6b78ce86-e85e-44f4-999b-bc2bb5b2392b`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/american-express/6b78ce86-e85e-44f4-999b-bc2bb5b2392b
- Provider page: https://www.cdrcompare.au/brands/american-express

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/american-express/products/6b78ce86-e85e-44f4-999b-bc2bb5b2392b) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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