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

1. Extend your cash flow by up to 55 days: 

Depending on your method of payment, when you make a purchase, when your statement is  issued and whether or not you are carrying forward a balance on your account from your  previous statement period. If you pay by direct debit, your payment will be processed 10 days  after your statement is issued. 

2. AccessLine. 

This information has been prepared without taking into account your objectives, financial  situation or needs. You should read the AccessLine Terms and Conditions and consider the  appropriateness of Australia domestic payments using AccessLine in reflection of your  individual requirements. AccessLine is not available to individual consumers. To be eligible for  this offer you must enrol in this service, your business will be required to complete an  application, which is subject to review and approval by American Express. To use AccessLine,  you must have an American Express Corporate Card or American Express Business Card that is  registered to use this service. Terms, conditions, fees and charges apply. Card Members may  only use AccessLine if their Company chooses to enrol their Card Account for AccessLine,  subject to American Express approval. Payees and payments are subject to American Express  approval in accordance with the AccessLine Terms and Conditions. Subject to the Terms and  Conditions of the Rewards program you are enrolled in and the availability of the rewards that  may be obtained through the Rewards program. 

3. Points Earning 

Subject to the Terms and Conditions of the Membership Rewards program available here.  Merchants classified as "government" include the Australian Taxation Office, the Australian  Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry  specific earn rate may apply when you use a payment account, payment aggregator, services of  a third party or online retailers that sell goods for another merchant. For example a payment  made to Local Government bodies processed through a payment aggregator may earn rates at  the government earn rate. There may be tax implications associated with participation in the  Membership Rewards program. You are advised to check with your accountant or tax adviser for  further information. 

4. Airline Partner Transfer: 

Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Members responsibility and is subject to the terms and conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies.

Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners. 

5. Travel insurance Gold 

The insurance on American Express Cards is subject to terms, conditions and exclusions (such  as maximum age limits, pre-existing medical conditions and cover limits). You must use your  American Express Business Gold Plus Card to pay for your trip in order to be covered under the  travel insurance and pay for eligible items for those items to be covered under the retail  insurance benefits. It is important you read the American Express Business Gold Plus Card  Insurance Terms and Conditions and consider whether the insurance is right for you. We do not  provide advice about the insurance or whether it is appropriate for your objectives, financial  situation or needs. 

This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL  No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN  92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the  statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are  not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel  the cover. American Express is not the insurer, does not guarantee or hold the rights under the  group policy on trust for Card Members and does not act on behalf of Chubb or as its agent.  American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth))  of Chubb 

6. Travel insurance platinum  

The insurance on American Express Cards is subject to terms, conditions and exclusions (such  as maximum age limits, pre-existing medical conditions and cover limits). You must use your  American Express Platinum Business Card to pay for eligible items for those items to be covered  under the retail insurance benefits. It is important you read the American Express Platinum  Business Card Insurance Terms and Conditions and consider whether the insurance is right for  you. We do not provide advice about the insurance or whether it is appropriate for your  objectives, financial situation or needs. 

This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL  No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN  92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the  statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are  not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel  the cover. American Express is not the insurer, does not guarantee or hold the rights under the  group policy on trust for Card Members and does not act on behalf of Chubb or as its agent.  American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth))  of Chubb. 

7. Purchase Protection: Insurance

The insurance on American Express Cards is subject to terms, conditions and exclusions (such  as maximum age limits, pre-existing medical conditions and cover limits). You must use your  American Express Card to pay for eligible items for those items to be covered under the retail  insurance benefits. It is important you read your American Express Card Insurance Terms and  Conditions and consider whether the insurance is right for you. We do not provide advice about  the insurance or whether it is appropriate for your objectives, financial situation or needs. This  insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No.  239687) under a group policy of insurance held by American Express Australia Limited (ABN 92  108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the  statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are  not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel  the cover. American Express is not the insurer, does not guarantee or hold the rights under the  group policy on trust for Card Members and does not act on behalf of Chubb or as its agent.  American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth))  of Chubb. 

8. Platinum Business 300,000 Bonus Membership Rewards Points: 

Offer only available to new American Express Card Members who apply by 4 November 2025, are approved and spend $12,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 300,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. The American Express® Platinum Business Card has an annual Card fee of $1750. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. 

9. Membership Rewards® Program for The American Express® Platinum Business Card: 

Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information. 

10. The American Express Global Lounge Collection 

Priority Pass™- Platinum Business and Corporate Charge Cards: This benefit is available to  Platinum Business and Corporate Charge Card Members. Platinum Card Members and one 

Employee Platinum Card Member as nominated by the Primary Card Member may enrol in the  Priority Pass™ program. Additional Gold Cards and Additional Green Cards on your Platinum  account are not eligible for complimentary access. Priority Pass is an independent airport  lounge access program. You acknowledge and agree that American Express will verify your Card  Account number and provide updated Card Account information to Priority Pass. Priority Pass  will use this information to fulfill on the Priority Pass program and may use this information for  marketing related to the program. Once enrolled, Platinum Card Members whose Card Account  is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass  card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for  Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that  admits guests, you will be charged the prevailing retail rate for any guests. Some lounges do not  admit guests. In some lounges, Priority Pass member must be 21 years of age to enter without a  parent or guardian. Priority Pass members must adhere to all house rules of participating  lounges. Amenities may vary among airport lounge locations. Conference rooms, where  available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are  subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use,  which will be sent to you with your membership package, and can be viewed  at prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your  Priority Pass card and membership package which you should receive within 10-14 business  days. If you have not received the Priority Pass card after 14 days, please contact American  Express using the number on the back of your American Express® Card. To receive immediate  access to the lounges after enrolling in Priority Pass, you can activate your membership online  by using your Priority Pass membership details to receive a Digital Membership Card. For a step by-step guide on the activation process, visit https://prioritypass.com/activation. 

11. Gold Plus 100,000 Bonus Membership Rewards Points: 

Offer only available to new American Express Card Members who apply by 10 February 2026, are approved and spend $5,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 100,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. The American Express® Business Gold Plus Card has an annual fee of $395. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. 

12. Employee Cards: 

Subject to Terms and Conditions. This offer is only available to those who reside in Australia. Two Employee Cards are complimentary; then $75 p.a. for each additional Employee Card. All Employee Card Members will receive the standard recycled plastic Card. 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. 

13. Membership Rewards® Program for The American Express® Business Gold Plus Card: 

Subject to the Terms and Conditions of the Membership Rewards® program available  at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms.

Earn 3 points per $1 spent directly at these selected merchants: Xero, Google Ads, Meta for  Business, Amazon Web Services (AWS) and Dell. Spend made through an aggregator or  intermediary 3rd party platforms for these transactions may not be eligible for accelerated  points earn. 

Earn 2 points per $1 spent with American Express® AccessLine. Excludes any special risk based  pricing Customer transactions with AccessLine. This information has been prepared without  taking into account your objectives, financial situation or needs. You should read  the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic  payments using AccessLine in relation to your individual requirements. AccessLine is not  available to individual consumers. To enrol in this service, your business will be required to  complete an application, which is subject to review and approval by American Express. To use  AccessLine, you must have an eligible American Express Corporate Card or American Express  Business Card that is registered to use the service. Terms, conditions, fees and charges apply.  Learn more about AccessLine here. 

Earn 1.5 points for every $1 spent everywhere else except government where you will earn 1  point for every $1 spent. Merchants classified as 'government' include the Australian Taxation  Office, the Australian Postal Corporation, Federal/State and Local government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of  a third party or online retailers that sell goods for another merchant. For example, a payment  made to Local Government bodies processed through a payment aggregator may earn points at  the government earn rate. 

After a total of 200,000 points is earned in a calendar year, you will earn 1 point for every $1 for  all spend, uncapped and with no expiry. Points earned by Primary and Employee Card Members  on a Card Account contribute to the 200,000 points threshold each calendar year and threshold  resets on 1st January every year. Bonus points earned from Acquisition bonus offers and  marketing campaigns are excluded from the threshold. 

You can redeem Membership Rewards points for a statement credit towards an Eligible  Purchase charged to an Eligible Card using Cover Charges with Points. For each successful  transaction using Cover Charges with Points, points will be debited from your Membership  Rewards account and a credit placed on your Card in line with the points chosen to be used for  the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of  the relevant Eligible Charges. A credit will appear on your statement identified as “Membership  Rewards Credit”. Points will be debited immediately, and the credit will take up to 3 business  days to appear online. Credits processed after the Card account’s statement closing date will  appear in the following statement. You are still responsible for payment of the amount due on  your Card account by the due date. Any charges covered by points is not redeemable for cash  via Credit balance refund. American Express will select and display each eligible charge that  can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible  Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of  Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card  account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any  time without notice. Eligible transactions can be covered by points via your online account or  American Express mobile app. Covering charges with points is available only to Basic  Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full  Membership Rewards Terms and Conditions. Authorised agents, authorised account managers,  additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked  Card accounts must be in good standing. 

14. American Express Business Gold Plus B2B Credits: 

Business Gold Plus Xero Benefit 

Save this American Express® Business Gold Plus Card benefit to your Card and spend $100 in  one or more transactions, online at www.xero.com/au/ to get $100 back. Benefit redeemable  once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and  exclusions apply. 

Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to  receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year.  Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot  carry any unused offer value from one redemption period into the next. 

Primary Card Member Only: The Benefit is only available to Primary American Express® Business  Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions  made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express® Business Gold  Plus before making your payment to qualify for the benefit. Card Members will automatically be  enrolled for the subsequent redemption periods from their enrolment date. The final date to  enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit.  You should ensure that your American Express® Business Gold Plus is set as your default  payment method with Xero to avoid missing the benefit. If you use another card to make a  payment at any time, you will not be eligible for the benefit on that card. 

Eligible Transactions: Excludes transactions where you do not spend directly on the Card  Account to which the offer is saved, in AUD, online at www.xero.com/au/ Benefit valid at  Australian website only. Your Card must be charged prior to the end of each redemption period  to be eligible for the credit in the redemption period.

Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay  Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date  of payment but may take longer. Credit(s) are not redeemable for cash or any other payment  form. 

Your use of Xero: Your purchase of goods and/or services from Xero is governed by their  respective terms and conditions (including privacy policies). American Express is not  responsible in any way for the goods and/or services of the participating brands. Inquiries or  complaints related to the participating brands' goods and/or services should be directed to their  customer service. 

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain  important additional terms. 

Business Gold Plus Google Ads Benefit 

Save this American Express® Business Gold Plus Card benefit to your Card and spend AU$100 in  one or more transactions, online atads.google.com to get AU$100 back. Benefit redeemable  once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and  exclusions apply. 

Benefit Limit is AU$100 per calendar year: Spend AU$100 or more in one or more transactions  to receive AU$100 back, per calendar year. Limited to one credit at a total of $100 each calendar  year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You  cannot carry any unused offer value from one redemption period into the next. Primary Card Member Only: The Benefit is only available to Primary American Express® Business  Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions  made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express® Business Gold  Plus before making your payment to qualify for the benefit. Card Members will automatically be  enrolled for the subsequent redemption periods from their enrolment date. The final date to  enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit.  You should ensure that your American Express® Business Gold Plus is set as your default  payment method with Google Ads to avoid missing the benefit. If you use another card to make  a payment at any time, you will not be eligible for the benefit on that card. Eligible Transactions: Excludes transactions where you do not spend directly on the Card  Account to which the offer is saved, in AUD or USD online at ads.google.com. Benefit valid at  Australian website only. Your Card must be charged prior to the end of each redemption period  to be eligible for the credit in the redemption period. If you spend in a currency other than  Australian Dollars, a Currency Conversion Fee applies and this fee does not count towards the  benefit spend requirement. For more information regarding charges made in foreign currencies  refer to your Card Member Agreement. You must meet the benefit spend requirement of $100  Australian Dollars after currency conversion to be eligible for the benefit. Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay  Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date  of payment but may take longer. Credit(s) are not redeemable for cash or any other payment  form.

Your use of Google Ad Services: Your purchase of goods and/or services from Google Ads is  governed by their respective terms and conditions (including privacy policies). American  Express is not responsible in any way for the goods and/or services of the participating brands.  Inquiries or complaints related to the participating brands' goods and/or services should be  directed to their customer service. 

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain  important additional terms. 

Business Gold Plus Meta Benefit 

Save this American Express® Business Gold Plus Card benefit to your Card and spend $100 in  one or more transactions, in-app or online at Meta for Business to get $100 back. Benefit  redeemable once each calendar year until the benefit end date of 31/12/2026. Terms,  conditions and exclusions apply. 

Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to  receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year.  Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot  carry any unused offer value from one redemption period into the next. 

Primary Card Member Only: The Benefit is only available to Primary American Express® Business  Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions  made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express® Business Gold  Plus before making your payment to qualify for the benefit. Card Members will automatically be  enrolled for the subsequent redemption periods from their enrolment date. The final date to  enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit.  You should ensure that your American Express® Business Gold Plus is set as your default  payment method with Meta for Business to avoid missing the benefit. If you use another card to  make a payment at any time, you will not be eligible for the benefit on that card. Eligible Transactions: Excludes transactions where you do not spend directly on the Card  Account to which the offer is saved, in AUD in-app or online at www.facebook.com/business/marketing/facebook. Benefit valid at Australian app and  website only. Your Card must be charged prior to the end of each redemption period to be  eligible for the credit in the redemption period. 

Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay  Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date  of payment but may take longer. Credit(s) are not redeemable for cash or any other payment  form. 

Your use of Meta for Business: Your purchase of goods and/or services from Meta for Business is  governed by their respective terms and conditions (including privacy policies). American  Express is not responsible in any way for the goods and/or services of the participating brands.  Inquiries or complaints related to the participating brands' goods and/or services should be  directed to their customer service. 

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain  important additional terms.

Business Gold Plus Amazon Web Services Benefit 

Save this American Express® Business Gold Plus Card benefit to your Card and spend $100 in  one or more transactions, online at aws.amazon.com to get $ 100 back. Benefit redeemable  once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and  exclusions apply. 

Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to  receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year.  Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot  carry any unused offer value from one redemption period into the next. 

Primary Card Member Only: The Benefit is only available to Primary American Express® Business  Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions  made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express® Business Gold  Plus before making your payment to qualify for the benefit. Card Members will automatically be  enrolled for the subsequent redemption periods from their enrolment date. The final date to  enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit.  You should ensure that your American Express® Business Gold Plus is set as your default  payment method with Amazon Web Services to avoid missing the benefit. If you use another  card to make a payment at any time, you will not be eligible for the benefit on that card. Eligible Transactions: The benefit only applies to online spend made at aws.amazon.com. Only  valid for payments made in AUD, with the billing country for your subscription selected as  Australia. Benefit valid at Australian website only. Your Card must be charged prior to the end of  each redemption period to be eligible for the credit in the redemption period. Excluded Transactions: Excludes transactions where you do not spend directly on the Card  Account to which the offer is saved at aws.amazon.com. The benefit excludes any additional  purchases or charges, such as payments made via phone and purchases made at  amazon.com.au. For purchases of products that may have a delayed delivery, or if you accept a  free trial, you must ensure that $100 or more has been charged to your Card by the end of each  redemption period (31 December) to be eligible for the credit within that redemption period.  Excludes pre-order items where the release date is after benefit end date. Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay  Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date  of payment but may take longer. Credit(s) are not redeemable for cash or any other payment  form. 

Your use of Amazon Web Services: Your purchase of goods and/or services from Amazon Web  Services is governed by their respective terms and conditions (including privacy policies).  American Express is not responsible in any way for the goods and/or services of the  participating brands. Inquiries or complaints related to the participating brands' goods and/or  services should be directed to their customer service. 

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain  important additional terms. 

Business Gold Plus Square Benefit:

Benefit Limit is AU$100 per calendar year: Save this American Express® Business Gold Plus Card  benefit to your Card and spend AU$300 or more in one or more transactions at Square online,  on either Square hardware or Square software subscriptions to receive one AU$100 back, per  calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption  period resets on 1 January until the offer end date of 31/12/2026. Terms, conditions and  exclusions apply. The redemption periods are between 1 October 2025 – 31 December 2025 and  between 1 January – 31 December 2026. You cannot carry any unused offer value from one  redemption period into the next. 

Primary Card Member Only: The Benefit is only available to Primary American Express® Business  Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions  made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: To redeem, you'll need a Square account. Sign up here if you don't have  one yet before making a purchase. If you already have a Square account, you must first save the  Benefit to your American Express® Business Gold Plus Card before making your payment to  qualify for the benefit. The final date to enrol and spend is 31/12/2026. Only payments made  after enrolment are eligible for the benefit. You should ensure that your American  Express® Business Gold Plus Card is set as your default payment method with Square to avoid  missing the benefit. Benefit limited to the Card to which the offer is saved and only spend on  this Card counts towards the Benefit. If you use another card to make a payment at any time,  you will not be eligible for the Benefit on that card. 

Eligible Transactions: Excludes transactions where you do not spend directly on the Card  Account to which the offer is saved, in AUD online at squareup.com/au/en. This benefit applies  only to transactions on Square hardware and or Square software subscriptions purchases. Only  paid Square software plans are eligible for this offer. Third-party applications that use Square’s  APIs and SDKs, Afterpay, and other payment related tools are ineligible. Any merchant  processing fees and Instant Transfer fees are ineligible. Benefit valid at Australian website only.  Your Card must be charged prior to the end of each redemption period to be eligible for the  credit in the redemption period. Excludes purchases made in retail stores. To be eligible, you'll  need a Square account. Fill in a form here if you don't have one yet before you make a purchase. Direct Payments Only: Your payment must be made in AUD directly online  at squareup.com/au/en to be eligible for the benefit. If you pay using third party payment  providers, such as Buy Now Pay Later providers, third party payment providers or payment  processors, you will not be eligible for the benefit. 

Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date  of payment but may take longer. Credit(s) are not redeemable for cash or any other payment  form. Credit will not be applied to your Card Account if your Card has been suspended or  cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled. Your use of Square Services: Your purchase of goods and/or services from Squareup.com is  governed by their respective terms and conditions (including privacy policies). American  Express is not responsible in any way for the goods and/or services of the participating brands.  Inquiries or complaints related to the participating brands' goods and/or services should be  directed to their customer service. 

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain  important additional terms.

Business Gold Plus Dell Benefit 

Save this American Express® Business Gold Plus Card benefit to your Card and spend online  at www.dell.com.au or by phone on 1800 880 855 to receive your purchase amount back as a  credit, up to $75 back per redemption period. Benefit redeemable once every 6 months until the  benefit end date of 31/12/2026. Exclusions apply. 

Benefit Limit is $75, every calendar 6 months: the benefit value is capped at $75 each  redemption period, per Card Account. The benefit value will reset on 1 January and 1 July every  year until the benefit end date of 31/12/2026. You cannot carry any unused offer value from one  redemption period into the next. 

Primary Card Member Only: The Benefit is only available to Primary American Express® Business  Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions  made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express® Business Gold  Plus before making your payment to qualify for the benefit. Card Members will automatically be  enrolled for the subsequent redemption periods from their enrolment date. The final date to  enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit.  You should ensure that your American Express® Business Gold Plus is set as your default  payment method with Dell to avoid missing the benefit. If you use another card to make a  payment at any time, you will not be eligible for the benefit on that card. 

Eligible Transactions: Excludes transactions where you do not spend directly on the Card  Account to which the offer is saved, at www.dell.com.au or by phone on 1800 880 855. Offer  valid at Australian website and phone orders only. Your Card must be charged prior to the end of  each redemption period to be eligible for the credit in the redemption period. Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay  Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date  of payment but may take longer. Credit(s) are not redeemable for cash or any other payment  form. 

Your use of Dell: Your purchase of goods and/or services from Dell is governed by their  respective terms and conditions (including privacy policies). American Express is not  responsible in any way for the goods and/or services of the participating brands. Inquiries or  complaints related to the participating brands' goods and/or services should be directed to their  customer service. 

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain  important additional terms