Business Credit Card Awards 2019

Congratulations to the 2019 winner’s of Mozo Experts Choice Awards for business credit cards. No matter what you’re looking for in a business credit card, a company card can be great for cash flow, and turn everyday expenses into great rewards. Not sure where to begin? Start your search with the Mozo Experts Choice winners list below to see some options.

Mozo Experts Choice Awards

What are the Mozo Experts Choice Awards?

Now in their sixth year, the Mozo Experts Choice Awards provide a platform to highlight products in the marketplace we believe offer great value to Australians.

For the 2019 awards, we analysed 208 personal and 35 business credit card products issued by 71 Australian financial institutions.

“With so many choices out there, it’s all about picking a card that’s right for your business.” said Peter Marshall, Mozo Experts Choice Awards judge. 

“A rewards program including frequent flyer points could help alleviate business flight costs, but a low rate business credit card could be better for managing cash flow on a regular basis.”

For details on how we crunched the numbers and determined our winners see our 2019 Mozo Experts Choice Awards Credit Card methodology report.


Credit Card Provider of the Year

American Express logo

American Express

For the third year in a row, American Express has taken out the Credit Card Provider of the Year award. This year they collected wins across both consumer and business cards, in categories ranging from low rate to frequent flyer rewards cards, and everything in between.

Seven different Amex cards were award winners: Low Rate Credit Card, Essential Credit Card, Qantas Discovery Card, Qantas Ultimate Card, Velocity Escape Card, Velocity Platinum Card and Business Explorer Credit Card.

Low Rate Business Credit Card

Business credit cards can help to manage company expenses and balance cash flow, but keeping costs low is an important consideration when choosing a card. The below cards offer both the lowest purchase rates and overall costs around, even when ongoing fees are taken into account.

Bank of Melbourne logo

Bank of Melbourne


BankSA logo


Visa Business Card

NAB logo


Low Rate Business Card

St.George logo



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Rewards Business Credit Card

We assessed the real dollar return from rewards schemes when making purchases for your business. This category is calculated on the total redemption value of cashback and other reward options commonly redeemed, excluding flight redemptions.

American Express logo

American Express

Business Explorer Credit Card

NAB logo


Rewards Business Signature Card

Queensland Country Bank logo

Queensland Country Bank

Business Visa

Queenslanders Credit Union logo

Queenslanders Credit Union

Business Visa

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Qantas Frequent Flyer Business Credit Card

This category is for companies looking to convert business spending into Qantas Frequent Flyer points that could send owners or employees jet setting to airports near and far. The two cards awarded offered the leading returns of those assessed. 

ANZ logo


Business Black

Bendigo Bank logo

Bendigo Bank

Qantas Business Credit Card

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Velocity Frequent Flyer Business Credit Card

If your business is looking for returns on Virgin ticketed flights instead, the Velocity Frequent Flyer Business award is a great place to start. We found two cards that offered leading returns on their rewards programs.

American Express logo

American Express

Business Explorer Credit Card

Suncorp logo


Clear Options Business

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Frequently Asked Questions

What’s the Judging Criteria for the awards?

Running since 2014, the Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers.

See our methodology report for more detailed information on how we performed product comparisons and determined the final winners for the credit card awards.


Did you compare all credit cards in the market for these awards?

We aim to include most credit card providers in the market in the Mozo Experts Choice Awards. However, not every credit card product on the market will be included in our review.  Any credit card product we review must be available in the market at the time of our analysis. The Premium categories assessed all ‘platinum’, 'diamond' and 'black' credit cards, while the Standard categories considered all other credit cards. Charge cards were not assessed. 


How do I choose the best credit card for my business?

There is a reason why there are so many different categories of Mozo Experts Choice Awards in Business Credit Cards. When you’re looking for a credit card you’ll want to think carefully about your ability to repay any balance, the card benefits that you’ll use most or get the best value from.

For instance, low rate cards are generally better value if you carry a balance on your card from time to time. If you’re able to pay off your balance in full each month a no annual fee or rewards credit card could be best for you.

If you want to learn more about the key features of business credit cards and the types of cards that are available, why not check out our range of helpful credit card guides. To see the latest credit card deals you can visit our credit cards hub.


Who are the Mozo’s experts?

The Mozo Experts Choice Awards analysis is overseen by AJ Duncanson, Mozo’s Data Services Director. AJ is a data scientist and actuary, and has worked in financial services and product comparison for almost three decades. Together with our Product Data Manager, Peter Marshall, the team has over 50 years of financial services experience.


I work for a credit card issuer, how do we promote our win?

Please get in touch with us to discuss by emailing or phoning our account management team on 02 9037 4368.