Business Credit Card Awards 2021

Congratulations to the 2021 winner’s of Mozo Experts Choice Awards for Business Credit Cards. A company credit card can be great for cash flow, and turn everyday expenditure into great rewards. So no matter what your business needs are, start your search with the Mozo Experts Choice winners list below for some great options.

Mozo Experts Choice Awards Badge 2021

What are the Mozo Experts Choice Awards?

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

“We crunched the numbers on over 222 personal and 48 business credit cards from 75 financial institutions for this year’s awards. That’s a pretty big number and it just shows just how complex the Australian credit card market can be,” said Peter Marshall, Mozo Experts Choice Awards Judge.  

“Every credit card has varying features and benefits, so it is important when looking for a credit card that you choose one that is going to best meet your spending needs and budget. Our credit card awards are split into distinct categories and the winners are different across the categories to meet the many variances that come with credit cards.”

For details on how we crunched the numbers and determined our winners see our 2021 Mozo Experts Choice Credit Card Awards methodology report.


Credit Card Provider of the Year

American Express Logo

2021 marks the fifth year in a row that American Express has taken out the Credit Card Provider of the Year award. Amazingly, they took out a huge 14 awards across both consumer and small business cards, in categories ranging from low rate to frequent flyer rewards cards, and everything in between. The breadth of their awards shows how American Express offers great cards to suit most needs.

Some Amex cards that were recognised as winners: Velocity Frequent Flyer Credit Card, Velocity Frequent Flyer Premium Credit Card, Rewards Business Credit Card and Velocity Frequent Flyer 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 thing to consider when selecting 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 considering how you might use a credit 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 (Rewards)

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


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. This card offered the leading returns of those assessed.


American Express logo

American Express

Business Explorer 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 Mozo Experts Choice Credit Cards Awards 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 frequent flyer 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 comparison page.

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 our account management team to discuss promotion options.