Learn How I Earn Millions of Points and Fly Business Class

By   |   Updated 1 Oct 2024

david-boyd-business-class-flight

Learn how I earn millions of points with the right credit card to build points and turn your everyday business expenses into first class upgrades.

How can I earn points to fly business or first class?

I've seen many Aussie business owners miss out on heaps of points because they don't know how to earn them on everyday expenses or where even to start.

It's a shame, really, because racking up points on business costs can lead to big savings and perks down the track—like business class tickets for your next family holiday...

You can earn STACKS of frequent flyer points on almost any business expense, from lunch meetings to paying invoices to travel bookings.

Whether you're a small startup, business executive or a larger company, these strategies can help boost your rewards balance without much extra effort.

The trick is knowing which programs and credit cards to use. In this free guide, I'll share some top tips I've used to earn millions of frequent flyer points!

business-flights-this-way

The basics of frequent flyer points

Frequent flyer points are rewards you get for flying with airlines and using their partners' services. In Australia, Qantas Frequent Flyer is a big program. You can use these points for flights, upgrades, and other perks.

There's a special program called Qantas Business Rewards or Velocity Business Rewards for businesses. It's different from the personal Frequent Flyer program. With Business Rewards, your company can earn points in addition to what staff earn personally.

Here's how it stacks up:

  • Personal Frequent Flyer: For individuals.
  • Business Rewards: For companies with an ABN.
Get a business card that suits your needs

First, make sure to...

Get a business card that suits your needs

Getting the right business card is essential to earn points.

Picking the right credit card is the most important step for maximising points. I recommend looking for cards that offer at least 1.5 points per dollar spent on business purchases.

Compare annual fees and other perks to find the best fit. Some cards also offer big sign-up bonuses of 100,000 points or more.

American Express cards often have the highest earn rates, with some offering up to 2 points per dollar and most flexible with different rewards programs!

Here are some Amex Business cards that are free to enquire without a credit check.

American Express Platinum Business Card

Highlights

  • Get 350,000 bonus Membership Rewards points by applying before 5 November 2024, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros

  • The offer of 350,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,750 p.a.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
American Express Gold Business Card

Highlights

  • Get 75,000 bonus Membership Reward points upon application approval and spending $1,000 on your card within the initial 2 months. Exclusive to New American Express Card Members.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • Experience enhanced flexibility with no pre-set spending limit.
  • Benefit from Travel Insurance covering up to $2.5 million in medical emergency expenses.

Pros

  • Receive 75,000 bonus Membership Reward points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Spend with Dell Technologies to receive up to $75 credit until 31 December 2024.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.

Cons

  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
American Express Business Explorer Credit Card

Highlights

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Benefit from two Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive Complimentary Travel Insurance when paying for your return trip with your Card.

Pros

  • Earn up to 2 points per $1 spent.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.

Cons

  • The annual fee of $149.
  • There is no balance transfer offer for this card.
  • Cash advances are blocked, which might be inconvenient for some.
American Express Qantas Business Rewards Card

Highlights

  • Get 130,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 14 January 2025, getting approved, and spending at least $3,000 within 2 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. *For Card Members who applied for the Card between July 1, 2023, and January 9, 2024, this change will take effect from July 10, 2024.

Pros

  • Earn 130,000 bonus Qantas Points when you meet the criteria.
  • Two complimentary passes for the Qantas Club lounge every year.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Power up your business – Spend with Dell Technologies and get up to $100 credit.

Cons

  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Velocity Business Card

Highlights

  • Get 150,000 Bonus Velocity Points upon applying by 6 November 2024, getting approval, and fulfilling the minimum spending requirement of $5,000 within 2 months of approval. Plus join the Virgin Australia Business Flyer program and enjoy a $250 Virgin Australia Business Flyer Travel Bank credit when you meet the eligibility criteria. The offer is valid for New American Express Card Members exclusively.
  • Accumulate 2 points for every $1 spent on Virgin Australia services and up to 1 point per $1 spent on other transactions. Earn 0.5 points per $1 on ATO and government expenditures.
  • Benefit from 2 complimentary single-entry passes to the Virgin Australia Lounge at chosen domestic airports annually.

Pros

  • Receive 150,000 bonus Velocity Points when you meet the criteria.
  • Earn up to 2 Velocity Points per $1 spent.
  • No pre-set spending limit and up to 51 days to pay for purchases.

Cons

  • The annual fee of $249 p.a.
  • Each employee card costs $99.
My top tips to earn points

Go from brokie to point millionaire...

My top tips to earn points

Your business can rack up points on lots of everyday costs. Here are some ways that we earn tonnes of points with our businesses.

  1. Flights: Book work trips and earn points for the company and the traveller
  2. Hotels: Use Partner Hotels for business stays
  3. Car hire: Rent cars through partners
  4. Office supplies: Buy from partner stores
  5. Fuel: Use a linked credit card at petrol stations

Make sure your staff are Frequent Flyer members, too. This way, you'll earn points twice - for the business and the employee.

Remember, points add up fast! A small business can soon have enough for reward flights or other benefits. It's a great way to cut costs and treat your team.

American Express Gold Business Card

Highlights

  • Get 75,000 bonus Membership Reward points upon application approval and spending $1,000 on your card within the initial 2 months. Exclusive to New American Express Card Members.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • Experience enhanced flexibility with no pre-set spending limit.
  • Benefit from Travel Insurance covering up to $2.5 million in medical emergency expenses.

Pros

  • Receive 75,000 bonus Membership Reward points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Spend with Dell Technologies to receive up to $75 credit until 31 December 2024.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.

Cons

  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.

1. Choose frequent flyer friendly vendors

Picking the right suppliers can boost your points earning. Many companies partner with frequent flyer programs to offer bonus points on purchases.

For example, Qantas Business Rewards lets you earn points when buying from partner businesses. This covers everything from office supplies to property services. Some standout offers include:

  • Up to 200,000 Qantas Points on eligible Melbourne property purchases
  • 1 Qantas Point per $1 spent on eligible home builds
  • Up to 20,000 points for leasing or selling property

I recommend checking your frequent flyer program's website to find partnered vendors in your industry. Switching to these suppliers when possible can significantly increase your points balance.

2. Pay EVERYTHING with an American Express Business credit card

I've found that using an American Express Business Credit Card is a top way to earn frequent flyer points on business spending. These cards often come with generous point-earning rates.

The Amex Business Explorer Card is a standout option. It lets you earn up to 2 Membership Rewards points per dollar spent on most business purchases. That's a great return.

You can then move these points to various airline programs. This includes Qantas Frequent Flyer and Singapore Airlines KrisFlyer. It gives you lots of choices for using your points.

One thing to watch out for is government payments. These usually earn fewer points - often just 1 point per dollar. But for most other business spending, you'll get the full earn rate.

The first year's card fee is sometimes waived as a sign-up bonus. This makes it even more attractive to try out. After that, weigh up if the points you're earning are worth the yearly fee.

American Express Business Explorer Credit Card

Highlights

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Benefit from two Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive Complimentary Travel Insurance when paying for your return trip with your Card.

Pros

  • Earn up to 2 points per $1 spent.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.

Cons

  • The annual fee of $149.
  • There is no balance transfer offer for this card.
  • Cash advances are blocked, which might be inconvenient for some.

3. Pay for office supplies or equipment with your card

Everyday office expenses offer big point-earning chances. I use my card for:

  • Stationery and printer ink
  • Computers and tech gear
  • Furniture and decor
  • Cleaning supplies
  • Coffee and snacks for the office

Larger purchases like photocopiers or server upgrades can result in hefty points hauls. Depending on the landlord, even utility bills and rent payments might be eligible.

Software subscriptions and online services are other key areas. I earn points on everything from accounting software to video conferencing tools. Marketing costs like Google Ads or social media advertising can also rack up rewards fast.

Another great way to earn frequent flyer points on business expenses through Flybuys at Officeworks. When I buy office supplies, I collect 1 Flybuys point for every $1 I spend.

These points add up quickly, especially for big purchases like printers or furniture. I make sure to scan my Flybuys card at the checkout or enter my membership details for online orders.

The best part is I can turn these Flybuys points into Velocity Frequent Flyer points. Every 1,000 Flybuys points become 500 Velocity points. This helps boost my balance for future flights.

I keep an eye out for bonus point offers too. Sometimes Officeworks runs promotions where I can earn extra points on certain items or when I spend over a set amount.

American Express Velocity Business Card

Highlights

  • Get 150,000 Bonus Velocity Points upon applying by 6 November 2024, getting approval, and fulfilling the minimum spending requirement of $5,000 within 2 months of approval. Plus join the Virgin Australia Business Flyer program and enjoy a $250 Virgin Australia Business Flyer Travel Bank credit when you meet the eligibility criteria. The offer is valid for New American Express Card Members exclusively.
  • Accumulate 2 points for every $1 spent on Virgin Australia services and up to 1 point per $1 spent on other transactions. Earn 0.5 points per $1 on ATO and government expenditures.
  • Benefit from 2 complimentary single-entry passes to the Virgin Australia Lounge at chosen domestic airports annually.

Pros

  • Receive 150,000 bonus Velocity Points when you meet the criteria.
  • Earn up to 2 Velocity Points per $1 spent.
  • No pre-set spending limit and up to 51 days to pay for purchases.

Cons

  • The annual fee of $249 p.a.
  • Each employee card costs $99.

4. Book client meetings at partnered hotels

I've found a great way to earn extra points when organising client meetings. Many hotel chains offer rewards for booking meeting spaces and guest rooms together.

For example, Choice Hotels gives 4 points per dollar spent on meetings. This includes the cost of the meeting space, guest rooms, and food and drink provided by the hotel.

To qualify, you usually need to book a meeting room plus at least 10 guest rooms. It's a smart move if you're planning a bigger client event or multi-day workshop.

Qantas Business Rewards members can also earn points on hotel bookings. Just make sure to include your ABN and Qantas Frequent Flyer number when booking.

By choosing partnered hotels for your client meetings, you can stack up points quickly. These can then be used for future business travel or other rewards.

5. Signup to Velocity Frequent Flyer

I recommend signing up for Velocity Frequent Flyer, Virgin Australia's loyalty program. It's free to join and lets you start earning points right away.

You'll get points when you fly with Virgin Australia and its partner airlines. These include United Airlines, Qatar Airways, and Singapore Airlines.

But flying isn't the only way to earn. You can also rack up points through everyday business spending. Use a Velocity-linked credit card for work expenses to boost your balance.

Velocity has over 70 program partners and 200 online retailers. This means lots of chances to earn on business purchases. From office supplies to client gifts, many expenses can add to your points total.

Keep an eye out for special promotions too. They often offer bonus points on certain purchases or activities. These can help you reach your points goals faster.

American Express Qantas Business Rewards Card

Highlights

  • Get 130,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 14 January 2025, getting approved, and spending at least $3,000 within 2 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. *For Card Members who applied for the Card between July 1, 2023, and January 9, 2024, this change will take effect from July 10, 2024.

Pros

  • Earn 130,000 bonus Qantas Points when you meet the criteria.
  • Two complimentary passes for the Qantas Club lounge every year.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Power up your business – Spend with Dell Technologies and get up to $100 credit.

Cons

  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.

6. Use business fuel cards

I've found that business fuel cards are a smart way to rack up points on a big expense. Many Aussie companies offer fuel cards that link to frequent flyer programs.

BP Plus is one option that caught my eye. When you use it, you can earn Qantas Points on fuel purchases. You get 1 point per litre on most fuels and 2 points per litre on BP Ultimate Unleaded.

Another perk I like is double dipping. If you link an American Express Qantas Business Rewards Card to your BP Plus account, you can earn points twice on the same purchase.

It's not just fuel either. Some cards let you earn points on in-store items too. This means snacks, drinks, and other bits and bobs can all add to your point balance.

I reckon fuel cards are a top choice for businesses with vehicles. They help track spending and can boost your points stash at the same time.

7. Plan your business trips strategically

Smart planning of business trips can help maximise point earnings. I suggest booking flights and hotels directly through your frequent flyer program's website when possible. This often earns bonus points on top of the usual flight miles.

For Qantas flights, business owners can earn points twice - once for the company and once for the traveller. You can also save up to 10% on some flights through Qantas Business Rewards.

I recommend bundling bookings where you can. Many programs offer bonus points for booking flights and hotels together. Also consider status matches or challenges to fast-track to higher membership tiers. This can boost your earning rates and give you perks like lounge access and upgrades.

American Express Platinum Business Card

Highlights

  • Get 350,000 bonus Membership Rewards points by applying before 5 November 2024, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros

  • The offer of 350,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,750 p.a.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.

8. Corporate car rentals with Avis

I've found that Avis offers some great perks for businesses renting cars in Australia. When companies sign up for Avis for Business, they can earn Qantas Points on their rentals.

Here's how it works: businesses earn 4 Qantas Points for every dollar spent on time and kilometre charges. This applies when booking through a travel agent or directly with Avis online or by phone.

But that's not all. If an employee adds their personal Qantas Frequent Flyer number to the booking, they can earn an extra 4 points per dollar. That's double the points on a single rental!

For overseas rentals, Avis provides 700 Qantas Points per rental. This is a handy way to rack up points on international business trips.

Avis also partners with Qantas Business Rewards. Companies can join this program for free and manage their car hires directly from their business account.

9. Shop online via airline portals

I've found a top way to rack up frequent flyer points for business expenses: shopping through airline portals. These online platforms let you earn extra points when buying stuff you'd get anyway.

Qantas has its own portal called Qantas Marketplace. It's great for Aussie businesses. You can snag points on all sorts of things - office gear, tech, and even gift cards.

The cool part? You earn points twice. Once for your business and once for the person doing the buying. Plus, you might score up to 10% off some flights.

Other airlines have similar setups. United, JetBlue, and Southwest all run online shopping portals. Just make sure you've got an account with the airline first.

To use these portals, I log in with my loyalty account details. Then I shop as normal. The points stack up fast, especially during bonus promos.

American Express Gold Business Card

Highlights

  • Get 75,000 bonus Membership Reward points upon application approval and spending $1,000 on your card within the initial 2 months. Exclusive to New American Express Card Members.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • Experience enhanced flexibility with no pre-set spending limit.
  • Benefit from Travel Insurance covering up to $2.5 million in medical emergency expenses.

Pros

  • Receive 75,000 bonus Membership Reward points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Spend with Dell Technologies to receive up to $75 credit until 31 December 2024.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.

Cons

  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.

10. Dine at partnered restaurants

I've found a great way to rack up Qantas Points while enjoying top-notch meals. Qantas has teamed up with the Seagrass Boutique Hospitality Group, letting frequent flyers earn and use points at over 40 restaurants across Australia.

Some of the partnered eateries include 6HEAD, Ribs & Burgers, Italian Street Kitchen, Hunter & Barrel, and The Meat & Wine Co. It's a tasty way to boost your points balance while treating yourself or clients to a nice meal.

For business owners, this partnership opens up new chances to earn points on work-related dining expenses. Whether it's a team lunch or a client meeting, you can now collect Qantas Points on these meals.

I reckon it's worth keeping an eye out for these partnered restaurants when planning business meals. It's an easy way to add extra value to necessary expenses and grow your points balance faster.

Enquire now with NO credit check

All American Express Business Credit Cards

Enquire now with NO credit check

*Enquiry does not mean acceptance.

American Express Platinum Business Card

Highlights

  • Get 350,000 bonus Membership Rewards points by applying before 5 November 2024, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros

  • The offer of 350,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,750 p.a.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
American Express Gold Business Card

Highlights

  • Get 75,000 bonus Membership Reward points upon application approval and spending $1,000 on your card within the initial 2 months. Exclusive to New American Express Card Members.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • Experience enhanced flexibility with no pre-set spending limit.
  • Benefit from Travel Insurance covering up to $2.5 million in medical emergency expenses.

Pros

  • Receive 75,000 bonus Membership Reward points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Spend with Dell Technologies to receive up to $75 credit until 31 December 2024.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.

Cons

  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
American Express Business Explorer Credit Card

Highlights

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Benefit from two Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive Complimentary Travel Insurance when paying for your return trip with your Card.

Pros

  • Earn up to 2 points per $1 spent.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.

Cons

  • The annual fee of $149.
  • There is no balance transfer offer for this card.
  • Cash advances are blocked, which might be inconvenient for some.
American Express Qantas Business Rewards Card

Highlights

  • Get 130,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 14 January 2025, getting approved, and spending at least $3,000 within 2 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. *For Card Members who applied for the Card between July 1, 2023, and January 9, 2024, this change will take effect from July 10, 2024.

Pros

  • Earn 130,000 bonus Qantas Points when you meet the criteria.
  • Two complimentary passes for the Qantas Club lounge every year.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Power up your business – Spend with Dell Technologies and get up to $100 credit.

Cons

  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Velocity Business Card

Highlights

  • Get 150,000 Bonus Velocity Points upon applying by 6 November 2024, getting approval, and fulfilling the minimum spending requirement of $5,000 within 2 months of approval. Plus join the Virgin Australia Business Flyer program and enjoy a $250 Virgin Australia Business Flyer Travel Bank credit when you meet the eligibility criteria. The offer is valid for New American Express Card Members exclusively.
  • Accumulate 2 points for every $1 spent on Virgin Australia services and up to 1 point per $1 spent on other transactions. Earn 0.5 points per $1 on ATO and government expenditures.
  • Benefit from 2 complimentary single-entry passes to the Virgin Australia Lounge at chosen domestic airports annually.

Pros

  • Receive 150,000 bonus Velocity Points when you meet the criteria.
  • Earn up to 2 Velocity Points per $1 spent.
  • No pre-set spending limit and up to 51 days to pay for purchases.

Cons

  • The annual fee of $249 p.a.
  • Each employee card costs $99.