American Express Gold Business Card

American Express Gold Business Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$169.00 p.a. ongoing

Highlights

  • Acquire 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 and cons

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.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
American Express
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Fair, Good, Very Good, Excellent
Minimum Income
$24,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
99
Additional Card Fee Ongoing
$119.00

Credit limits

Minimum Credit Limit
N/A
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 51 days on purchases
Minimum Repayment Percentage
2.5%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
N/A
Cash Advance Fee
N/A
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
N/A

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$169.00
Dishonour Fee
$30.00
Duplicate Statement Fee
$10.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
Membership Rewards
Rewards Program Annual Fee Initial Year
$80.00
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1.50
Government Rewards Points Earn Rate
1
Overseas Rewards Points Earn Rate
1.50

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
Yes
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

I am very happy with this card and rewards

Reviewed by Michelle Clark

Great points earner

Reviewed by Richard

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