Business Credit Card Awards 2020

Congratulations to the 2020 winner’s of Mozo Experts Choice Awards for business credit cards. A company credit card can be great for cash flow, and turn everyday expenses into great rewards. So no matter what your business needs are, begin your search with the Mozo Experts Choice winners list below to see some options.

Mozo Experts Choice Awards 2020 Badge

What are the Mozo Experts Choice Awards?

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

Business credit cards can be a handy tool in managing your company’s finances and cash flow,” said Peter Marshall, Mozo Experts Choice Awards judge. 

“For the 2020 awards, we analysed 45 business credit card products issued by Australian financial institutions to find the best cards across three key categories for Australian small businesses depending on their goals.”

For details on how we crunched the numbers and determined our winners see our 2020 Mozo Experts Choice Awards Credit Card methodology report.


Credit Card Provider of the Year

American Express Logo

2020 marks the fifth year in a row that American Express has taken out the coveted Credit Card Provider of the Year award. This year AMEX won eight awards across both small business and personal credit cards, in categories ranging from low rate to frequent flyer rewards cards, and everything in between. 

Six different Amex cards were recognised in the winners list including: Business Explorer Credit Card, Low Rate Credit Card, Essential Credit Card, Qantas Discovery Card, Qantas Ultimate Card, and the Explorer 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 thing to consider 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

Heritage Bank logo

Heritage Bank

Business Visa

NAB logo


Low Rate Business Card

Newcastle Permanent logo

Newcastle Permanent


St.George logo



Rewards Business Credit Card

Rewards can be beneficial when getting a rewards card for your business. We assessed the real dollar return from rewards schemes when making purchases for your business. Our experts looked at the redemption value of cashback and other reward options commonly redeemed, to determine the winners below.

American Express logo

American Express

Business Explorer Credit Card

NAB logo


Rewards Business Signature Card

Queensland Country Bank logo

Queensland Country Bank

Business Visa

Suncorp logo


Clear Options Business

Qantas Frequent Flyer Business Credit Card

This particular category is for companies looking to convert business spending into Qantas Frequent Flyer points. The two cards awarded offered the leading returns of those assessed.

Bendigo Bank logo

Bendigo Bank

Qantas Business Credit Card



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 right 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 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.