American Express Gold Business Card | Detailed Review

American Express Gold Business Card

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Card features
Rewards program
Earn rate
Sign up bonus
Points earned
American Express Gold Business Card
Apply by 07 oct 20
2 reviews
American Express Gold Business Card
Receive 100,000 bonus Membership Rewards points when you apply by 7 October 2020, are approved and spend $1,000 on your card within the first 2 months. New Card Members only.
Earn up to 1.5 Membership Rewards point 1 for every $1 spent
No pre-set spending limit means more flexibility.
Add to comparison
Membership Rewards Ascent
Membership Rewards Ascent

Pros & cons

What's good?

What's not so good?

Receive 100,000 bonus Membership Rewards points when you apply by 7 October 2020, are approved and spend $1,000 on your card within the first 2 months. New Card Members only.
Earn up to 1.5 Membership Rewards point 1 for every $1 spent (new earning rate effective 15 April 2019).
No pre-set spending limit means more flexibility.
Extend your cash flow up to 51 days.
Receive monthly statements that provide a detailed, itemised list of business expenses.
Cards are Chip, PIN and Contactless enabled providing enhanced security, speed and convenience when making a purchase.
Transfer points to 7 airline rewards partners and 2 leading frequent guest partner programs.
Membership Rewards points are not capped and they don’t expire.
Travel Inconvenience Cover and Transport Accident Cover.
Extra fee of $80 p.a. if you want to opt into the Membership Rewards program.
Additional card fee of $119 p.a.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.2 out of 5.0 based on 2 reviews100% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Great points earner

Reviewed and recommended by Richard on 09 Apr 2017

I signed up for this card with an offer of 100,000 Qantas points sign-up bonus. I use it wherever I can to maximise my points earning potential, including ATO payments.

If only Amex would reduce their fee percentage, more retailers might accept them.

The card has an annual fee of $249.

I am very happy with this card and rewards

Reviewed and recommended by Michelle Clark on 20 Jul 2015

I am a long time AmEx user – I have gold and platinum, and love them. The rewards have been very important for me, my family, and our four grandchildren.

The only issue is Aldi and other stores, restaurants, bars, and businesses do not accept AmEx, which I find difficult to get my head around.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
American Express
Card use
Credit rating
No bad credit history
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Membership Rewards Ascent
Temporary residents
Long Term Visa (12 months or more; Student Visa is excluded)


Additional cardholders
Additional card fee
$119 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 51 days on purchases
Minimum repayment

Rates & fees

Ongoing interest rates

Cash advances N/A N/A
Purchases N/A N/A


Annual fee
$169 p.a.
Annual fee 2nd year
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Rewards program basics

First purchase bonus
Reward points expiry
No expiry as long as you keep your account active
Rewards program
Membership Rewards Ascent
Sign up bonus
100,000 points
Spend required for bonus points
$1,000 within the first 2 months

Earning points with this card

Frequent flyer points
Overseas earn rate
1.5 pts per $1 spent
Points cap per month
Points cap per year
Points earned on ATO payments
1 pts per $1 spent
Reward points
1.5 pts per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $75,000 per year
Have no history of bad credit
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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People are happy
Rated 4.8 out of 5 for customer satisfaction.
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