How to leverage a business card for better cash flow and rewards

By Sponsored · · 3 min read
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If you’re a small business owner, having the right financial products at your disposal to help you scale and grow your business is just as important as having the right employees, marketing plan, and operations strategy.

But all too often, business owners are locked into inflexible banking products that rather than help manage expenses effectively and unlock growth potential, actually put a strain on cash flow and your ability to pivot towards new market opportunities.  

This is why savvy business owners across the globe can turn to Amex and its purpose-built range of business cards to level up their game.

The top benefits these cards can offer include:    

  • Improving cash flow:  Need cover for an unexpected expense or a line of credit to jump on an unanticipated trading opportunity? Amex provides access to unsecured lines of credit and up to 55 cash flow days.
  • Managing expenses: Conveniently track spending across the business and keep your finances organised. 
  • Bridging payment gaps: With Amex AccessLine you can pay suppliers directly with your card, even if they don’t accept card payments. Plus if you pay a supplier with AccessLine, your Business will earn reward points for every dollar spentat the full earn rates of the American Express Card you have. 
  • Earning rewards:  Turn business expenses into reward opportunities for you. Earn points on a range of business expenses from inventory, telco, travel, insurance through to B2B payments.
  • Travel perks: Transfer points to a range of airline and hotel partners and receive complimentary domestic and international travel insurance for you and your spouse, as well as any employee Card Members. 
  • Purchase protection: You’ll be automatically covered for a range of services for eligible items purchased with your card including, extended 12 months manufacturers warranty, purchase cover should your items be damaged or stolen, and refund cover if a store refuses to accept the return of an item. 

New member card deals 

Keen to explore and find a card that is right for your business and lifestyle? Here’s a look at the key aspects of the American Express Platinum and Gold Plus cards for you to review:

Amex Platinum Business Card
  • Earn 300,000 Bonus Membership Rewards® Points when you apply by 4 November 2025, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
  • Half price annual fee of $875 for the 1st year (normally $1750 p.a).
  • Earn 2.25 points per $1 spent excluding government spend where you’ll earn 1 point per $1 spend.
  • Access 1,400+ Airport Lounges in 140 countries.
  • Up to 55 days to pay for purchases.
Amex Business Gold Plus Card
  • Earn 200,000 Bonus Membership Rewards® Points when you apply 7 October 2025, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
  • $375 annual fee + two employee cards at no extra cost, then $75 per card.
  • Up to 3 points per $1 on the first 200,000 points earned per calendar year. 1 point per $1 spent across all categories thereafter, uncapped and with no expiry.
  • Up to $550 Credit back for spend with Xero, Meta, Google Ads, AWS & Dell.
  • Up to 55 days to pay for purchases.

    All Amex card offers are subject to T&Cs and eligibility criteria. See below the full details.

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