American Express Qantas Business Rewards Card
Designed for SMEs, the Amex Qantas Business Rewards Card helps turn operating expenses into Qantas Points and travel rewards
The American Express Qantas Business Rewards Card remains one of the highest Qantas Points-earning business cards in Australia. It’s aimed at business owners who regularly spend through their company, and want to maximise their Qantas Points earning potential to unlock serious rewards.
The card combines a strong everyday earn rate of 1.25 Qantas Points per $1 with premium travel perks and flexible spending power. These benefits, among others, make the American Express Qantas Business Rewards particularly appealing for SMEs who want to turn operating expenses into flights and upgrades.
The latest offer includes 150,000 bonus Qantas Points plus $200 in your Qantas Business Rewards Travel Fund when you apply by 6 October 2026, are approved, and spend $6,000 on eligible purchases on your American Express Qantas Business Rewards Card within 3 months of your approval date. T&Cs apply. Available to new American Express Card Members only.
From a business perspective, this card is also a strong option. As a Charge Card, there’s no preset spending limit, giving Card Members flexible spending power that can help manage cash flow. There’s also no additional fee for up to 99 Employee Cards, allowing businesses to earn Qantas Points across team spending and everyday operating expenses even faster.
Receive 150,000 bonus Qantas Points plus $200 in your Qantas Business Rewards Travel Fund when you apply by 6 October 2026, are approved, and spend $6,000 on eligible purchases on your American Express Qantas Business Rewards Card within 3 months of your approval date. T&Cs apply. Available to new American Express Card Members only.
1.25 Qantas Points per $1 spent
2 Qantas Points for every $1 spent on Qantas products and services* plus 2 bonus Qantas Points on eligible Qantas flights once flown^
0.5 Qantas Points per $1 spent at selected utilities, government and insurance merchants
Two domestic Qantas Club Complimentary Lounge Invitations each year
Domestic and International Travel Insurance for you, your spouse, and your Employee Card Members
Access a line of unsecured funding with flexible spending power, also known as no pre-set spending limit
No fee for up to 99 Employee Cards, allowing you to pool all the Qantas Points earned into one Qantas Business Rewards Account
Amex supports Apple Pay, Google Pay & Samsung Pay
$450
Good To Know
After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. This excludes bonus Qantas Points.
Qantas Business Rewards vs Qantas Frequent Flyer
The American Express Qantas Business Rewards card is aimed at small to medium business owners who are looking to earn points in the Qantas Business Rewards program.
The Amex Qantas Business Rewards Card earns a healthy 1.25 Qantas Frequent Flyer Points on everyday business purchases, boosted to up to 4 Qantas points per $1 spent on Qantas products and services.
Instead of earning points directly to your personal Qantas Frequent Flyer account, Card members will earn points in their Qantas Business Rewards account, which is linked to the company ABN. This means that a business with multiple employees can pool the total points in the business account and then distribute them to anyone they wish.
This offers more flexibility to the business owner, who can decide how the points are spent. Since they can be sent to anyone with a Qantas Frequent Flyer number, they can even be used as a company incentive.
If you’re not already a Qantas Business Rewards member, Amex waives the joining fee of $89.50 when you sign up online.
Earn Rates
Card Members can earn up to 4 Qantas Points per $1 spent:
- Everyday Earn Rate: up to 1.25 Qantas Points for every $1 spent on everyday business purchases to 1.25 Qantas Points for every $1 spent on everyday business purchases
- Qantas Earn Rate: 2 Qantas Points for every $1 spent on Qantas products and services* plus 2 bonus Qantas Points on eligible Qantas flights once flown^
- Government Earn Rate: 0.5 Qantas Points for every $1 spent on government, utilities and insurance
It's important to note that once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates will remain unchanged.
The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
Additional Benefits Of This Card
The Amex Qantas Business Rewards Card comes packed with benefits that both you and your team can enjoy. These are:
- Free up cash flow: Since this is a charge card, your American Express Charge card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your businesses credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don’t miss any payments. This can be a huge advantage to business owners looking to free up cash flow.
- Up to 99 Supplementary Cards: Your Amex Qantas Business Rewards Card turns into a powerhouse points generator when you utilise the card for your staff expenses. Easily track outgoings with up to 99 free supplementary cards. Of course, each card earns the same amount of points which are all pooled into the company rewards account.
- Integration with MYOB: If you use MYOB accounting software, you can set up an automatic data feed of your Card transactions. Your accountant will love you.
- Complimentary Qantas Lounge Access: Two domestic Qantas Club Complimentary Lounge Invitations each year after your first Card spend on selected Qantas products and services.
Domestic & International Travel Insurance
Card members will receive domestic and international Travel Insurance, this includes your family and any supplementary card holder, as long as travel is paid for using your Card.
You, your family and your team will be covered for:
Apart from that, you will also need to be able to say yes to the following:
- Inconvenience costs (flight delays and cancellations, and luggage delays)
- Medical expenses
- Damaged, destroyed, lost, or stolen baggage, money and documents
- Trip cancellation costs
- Transport accidents (car rental excess etc.)
- Personal liability.
I Already Have A Personal Amex Card - Can I Get The Bonus?
American Express have a rule which dictates who can and can’t receive a sign-up bonus for a new card. As it stands, both personal and business cards are classified under the same umbrella regarding sign-up bonuses. Unfortunately, this means that if you currently hold or have held an Amex Card within the last 18 months, you’re not eligible for the sign-up bonus.
There is 1 exceptions to this rule: Card Members who have or have held an American Express Corporate Card. Those members can still apply for a personal or business American Express and obtain the bonus offer when meeting all the other criteria.
Terms & Conditions
*$6K min spend in first 3 months. Offer ends 06.10.2026. New Amex Card Members only. T&Cs apply.
Offer only available to new American Express Card Members who apply by 6 October 2026, are approved and spend $6,000 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. 150,000 bonus Qantas Points will be awarded to the eligible Card Member's Account 8-10 weeks after the spend criteria has been met. $200 credit will be issued by Qantas into the Card Member’s Qantas Business Rewards Travel Fund up to 10 weeks after the bonus Qantas Points have been awarded. The $200 Travel Fund will only be awarded once per ABN. Bookings made using Travel Fund can only be used for future flight bookings through Qantas Business Rewards; it is non-transferable and cannot be redeemed for cash. Promotional Credits from this offer will be valid for 12 months from the date of issue. Subject to Travel Fund Terms and Conditions. Subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. $450 annual Card fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2 Qantas Points on Qantas products and services*, plus 2 bonus Qantas Points on eligible Qantas flights.^
* Earn Rate: A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of
Qantasa Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with
and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas
Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your
business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as "utilities"including gas, water and electricity
providers; "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government
bodies; and "insurance" excluding insurances offered by American Express. 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. Your business will earn
2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from
Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent
Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American
Express Qantas Business Rewards Card Points Terms and Conditions. Once you have earned a total of 500,000 Qantas Points on your
Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on
everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain
unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each
year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus
points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
^2 Bonus Qantas Points on Eligible Flights: A business must be a Qantas Business Rewards Member and include both its ABN and the
traveller’s Qantas Frequent Flyer number on eligible Qantas flight bookings to earn 2 bonus Qantas Points on eligible flights per $1 spent
for business. Points will be credited after all segments in a flight booking have been flown. Any segment that is not flown or cancelled will
not earn points. Qantas Points will not be earned on credit card fees, change fees, and ancillary purchases such as seat selection and
baggage. Qantas Points earned for the business are only available for American Express Qantas Business Rewards or American Express
Qantas Corporate Card Members when the Card is used to make an eligible Qantas flight booking. An eligible flight means a domestic or
international flight which has a Qantas 'QF' flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or
American Airlines; has a ticket number commencing with '081' and is booked and travelled for business purposes on or after the date the
business registers for Qantas Business Rewards; and does not include a segment of the booking that includes a non-QF coded flight.
Exclusions apply. The bonus Qantas Points benefit is not available in conjunction with any other rebate, Corporate Fares Agreement or
discount arrangement with Qantas. A Membe's ABN and traveller's Qantas Frequent Flyer number must be quoted at the time of booking
to earn Qantas Points for both the business and the traveller. Qantas will allocate bonus Qantas Points to the business under the Qantas
Business Rewards Airline Reward Scheme Terms and Conditions. The 2 bonus Qantas Points for business benefit applies to all bookings
made on or after 17 June 2026. Any bookings made before 17 June 2026 will earn points under the benefit in effect at the time of booking.
