A business card is issued for business spending, and depending on the card either the business or an individual owner is liable for the balance; some issuers also ask a director to guarantee the account. Business lending sits outside the consumer credit rules that cover personal cards. Purchase rates here start at 6.96%This is our lowest starting rate for these products. Other factors may change rates once you filter your results. See sorting and ranking for more info. p.a. with Greater Bank's Business Visa Credit Card, so weigh that against the annual fee and the interest-free period your payment cycle can actually use.
Rates checked against every provider’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
A low interest rate on purchases to help manage your business cash flow
BankSA
Purchase rate9.99%
Business only
A low interest rate on purchases to help manage your business cash flow
St.George Bank
Purchase rate9.99%
Business only
A low interest rate on purchases to help manage your business cash flow
People First and Heritage Bank
Purchase rate10.65%
Business onlyFeatures: ✓Rewards
Business Credit card gives business owners access to a credit card facility, plus the option of… having more than one card to cover monthly fuel, accommodation and other business expenses.
Unity Bank
Purchase rate12.49%
Business only
Our Business Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the… market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.
People First and Heritage Bank
Purchase rate12.95%
Business onlyFeatures: ✓Rewards
Business Credit card gives business owners access to a credit card facility, plus the option of… having more than one card to cover monthly fuel, accommodation and other business expenses.
ANZ
Purchase rate12.99%
Business only
A credit card facility for businesses with a low interest ongoing interest rate
Bendigo Bank
Purchase rate13.99%
Business only
As a business owner, keeping track of expenses is important and can be time consuming. Get visibility of your expenses and stay in control with the Business Credit Card. You will also receive up to…
NAB
Purchase rate13.99%
Business onlyIntro 0% for 12 months on purchases, then 13.99%
If you’re a small business, our low rate business credit card can help you manage your cash flow.
Coastline Bank
Purchase rate14.05%
Business only
Westpac
Purchase rate14.25%
Business only
Keep all your everyday business purchase records in one place, with a BusinessChoice Everyday.
Commonwealth Bank
Purchase rate14.55%
Business only
Designed for medium businesses wishing to manage their cash flow by paying down larger items over… time. Options to monitor employee expenses, set limits and access expense reports in order to…
Queensland Country Bank
Purchase rate14.99%
Business onlyFeatures: ✓Rewards
Our Business Visa Credit Card comes with a competitive low interest rate, low annual fee and up to… 55 days interest free on purchases and BPAY if you pay your card in full by the due date, and is…
NAB
Purchase rate16.50%
Business only
Manage your employee's business expenses by giving them their own charge card.
Commonwealth Bank
Purchase rate17.57%
Business only
Designed for medium to large businesses wanting to maximise cash flow with interest free days on… purchases, monitor employee expenses, set transaction limits and access expense reports in order to…
ANZ
Purchase rate17.74%
Business only
A credit card facility for businesses with up to 55 days interest free on purchases (if you pay… your closing balance in full by the due date each month)
Commonwealth Bank
Purchase rate17.99%
Business only
A Procurement Management Account is a corporate card 'account' (16 digit card number) assigned to… an organisation or business unit, which allows multiple authorised users to transact on the account…
Commonwealth Bank
Purchase rate17.99%
Business only
Ideal for large organisations with significant expenses. You can set spending limits and access expense reports to monitor spending and forecast costs.
Bank of Melbourne
Purchase rate19.49%
Business onlyFeatures: ✓Rewards
Amplify Business is a personal liability business credit card that rewards you for your business… expenses. Earn something more rewarding with uncapped points on eligible business purchases.
St.George Bank
Purchase rate19.49%
Business onlyFeatures: ✓Rewards
Amplify Business is a personal liability business credit card that rewards you for your business… expenses. Earn something more rewarding with uncapped points on eligible business purchases.
BankSA
Purchase rate19.49%
Business onlyFeatures: ✓Rewards
Amplify Business is a personal liability business credit card that rewards you for your business… expenses. Earn something more rewarding with uncapped points on eligible business purchases.
NAB
Purchase rate19.50%
Business onlyFeatures: ✓Rewards
Get more from your business credit card purchases. Maximise your Qantas Points.
NAB
Purchase rate19.50%
Business onlyFeatures: ✓Rewards
With a business credit card, earn and redeem NAB Rewards Points.
Bendigo Bank
Purchase rate19.99%
Business onlyFeatures: ✓Rewards
With one of the lowest annual fees in the market, and a range of insurances, the Qantas Business… Credit Card will help your points soar. You will also receive up to 55 days interest free on purchases.
Commonwealth Bank
Purchase rate19.99%
Business onlyFeatures: ✓Rewards
Be rewarded for essential business spend and save on business travel. Take advantage of offers and partner discounts whilst purchasing with confidence and convenience knowing you are backed by two of…
ANZ
Purchase rate20.24%
Business onlyFeatures: ✓Rewards
A credit card facility for businesses where you can earn rewards on eligible transactions and… receive domestic and international travel insurance
Westpac
Purchase rate20.24%
Business only
Receive Qantas Points for eligible purchases and tax payments, plus complimentary extended… insurance.
Westpac
Purchase rate20.24%
Business onlyFeatures: ✓Rewards
Get uncapped rewards points for eligible purchases and tax payments, plus complimentary extended… insurance.
Westpac
Purchase rate20.24%
Business onlyFeatures: ✓Rewards
Receive flexible rewards points for eligible purchases and tax payments, plus complimentary… insurance.
ANZ
Purchase rate20.24%
Business onlyFeatures: ✓Rewards
A credit card facility for businesses where you can earn Qantas points on eligible transactions and… receive complimentary domestic and international travel insurance
Commonwealth Bank
Purchase rate20.74%
Business onlyFeatures: ✓Rewards
Earn flexible rewards and enjoy up to 55 days interest-free to keep your cashflow in check.
American Express
Purchase rate23.99%
Business onlyFeatures: ✓Rewards
Make big plans with the metal Card that turns your business purchases into rich rewards.
American Express
Purchase rate23.99%
Business onlyFeatures: ✓Rewards
The American Express Velocity Business Card - earn Velocity Points on your Business spend.
American Express
Purchase rate23.99%
Business onlyFeatures: ✓Rewards
The American Express Qantas Business Rewards Card - the Business Card that moves with you. Earn Qantas Points on your Business spend
American Express
Purchase rate23.99%
Business onlyFeatures: ✓Rewards
For business owners who value exceptional service and rewards.
American Express
Purchase rate—
Business only
Control supplier payments and help minimise fraud risk with Virtual Account Numbers and limits… assigned per transaction.
American Express
Purchase rate—
Business only
Enable employees and non-employees to make travel purchases and reconcile all spend in a central… billing Account.
American Express
Purchase rate—
Business only
Corporate Charge Card for consolidating meeting and event-related spend in one statement, providing… visibility and streamlining reconciliation.
American Express
Purchase rate—
Business onlyFeatures: ✓Rewards
Corporate Charge Card for consolidating employee expenses that provides improved cash flow and… increased visibility and control, while offering employees a range of premium rewards and travel…
American Express
Purchase rate—
Business onlyFeatures: ✓Rewards
Corporate Charge Card for consolidating employee expenses that provides improved cash flow and… increased visibility and control, while offering employees a range of rewards and travel benefits.
American Express
Purchase rate—
Business only
Corporate Charge Card for consolidating business spend in one statement, providing visibility and… securing spend through customised controls.
American Express
Purchase rate—
Business onlyFeatures: ✓Rewards
Corporate Charge Card for consolidating employee expenses that provides improved cash flow and… increased visibility and control, while offering employees a range of rewards and travel benefits.
American Express
Purchase rate—
Business onlyFeatures: ✓Rewards
Qantas Corporate Charge Card for consolidating employee expenses that provides improved cash flow… and increased visibility and control, while offering employees a range of rewards and travel benefits.
American Express
Purchase rate—
Business onlyFeatures: ✓Rewards
Qantas Corporate Charge Card for consolidating employee expenses that provides improved cash flow… and increased visibility and control, while offering employees a range of rewards and travel benefits.
American Express
Purchase rate—
Business onlyFeatures: ✓Rewards
Qantas Corporate Charge Card for consolidating employee expenses that provides improved cash flow… and increased visibility and control, while offering employees a range of premium rewards and travel…
Hume Bank
Purchase rate—
Business only
Hume Bank's Business credit card is a great business solution giving you freedom in managing your… cash flow.
Rates and fees are sourced from each provider’s CDR Product Reference Data where the provider publishes it.
Important information
About this table: we publish this table so you can research credit products, by bringing together in one place the banking data lenders publish under the Consumer Data Right. Using that data, we have tried to show products that match this table’s title. This table does not compare all products, and there may be products with a lower rate in the market that are not shown here. Do your own research to find a product that suits your needs and financial goals. See how we choose products for tables like this.
Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability.
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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
This table does not compare every feature that may be relevant to you. Changing the filters will surface further relevant products. See how we sort and rank products and how we make money.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.
What to compare on
Expense management
Staff cards with limits plus accounting-software integration.
Rewards on spend
Earns points on the everyday spending a business already does.
Cash flow
A longer interest-free period to bridge supplier and customer payments.
What is a business credit card?
A business credit card is issued to a business rather than an individual, to separate business spending from personal finances. It helps manage cash flow, track expenses cleanly for accounting, and can earn rewards on business purchases. Eligibility usually requires an ABN and basic business details.
Expense management and multiple cards
A key benefit is control: many business cards let you issue additional cards to staff with individual limits, and integrate with accounting software for clean reconciliation. That visibility over who spent what, plus clear records at tax time, is often worth as much as any rewards.
Rewards and cash flow for business
Business cards can earn points on the everyday spending a business already does, and the interest-free period helps smooth cash flow between paying suppliers and getting paid. As with any card, rewards only stack up if the balance is cleared. Otherwise interest outweighs the benefit.
How business credit cards compare
The annual fee (per card and total), the rewards earn rate, expense and accounting features, and the interest-free days are the figures that separate them. Cards can be compared side by side, and for surplus cash there are business savings accounts and the credit cards hub.
Expert view
“On business cards, control usually beats rewards. Staff cards with individual limits and clean accounting integration save real time and reduce errors, the interest-free window helps cash flow, and points are a nice extra only if the balance is cleared every cycle.”
JP
Jordan Pearce
Senior finance writer, CompareThat
Glossary
The key terms you’ll meet when comparing these products, reading product disclosures or talking to a provider.
Term
What it means
Additional cardholder
An extra card issued to a staff member or partner, usually with its own spending limit, billed to the business account.
Annual fee
The yearly fee for holding the card, sometimes waived in the first year or reduced for higher spend.
Balance transfer
Moving debt from one card to another, often at a low or 0% introductory rate for a set period.
Earn rate
How many reward points you earn per dollar spent, which can vary by spend category.
Expense management
Tools that track and categorise card spending, often integrating with accounting software, for visibility and reconciliation.
Foreign transaction fee
A fee, often around 3%, on purchases made overseas or in a foreign currency.
Interest-free days
A period (often up to 44 or 55 days) where purchases attract no interest, provided you pay the closing balance in full.
Minimum repayment
The smallest amount you must pay each statement period to keep the account in order; paying only this means interest accrues.
Purchase rate
The interest rate charged on purchases that aren’t paid off by the due date.
Rewards points
Points earned on spending that can be redeemed for flights, gift cards, cashback or merchandise.
Common questions
Who can get a business credit card?+
Generally a business with an ABN: sole traders, companies, partnerships and trusts, subject to the issuer’s assessment. Depending on the card, either the business or an individual owner is the account holder and is liable for the balance.
Can I give cards to my staff?+
Most business cards let you issue additional cards with individual limits, so staff can spend within set bounds while you keep oversight and consolidated reporting.
Do business cards integrate with accounting software?+
Many do, exporting transactions for reconciliation in your accounting system, which saves time and improves record-keeping at tax time.
Are business card rewards worth it?+
They can be, given the volume of spend a business runs through the card, but only if the balance is paid in full, since interest quickly outweighs points.
How does a business card help cash flow?+
The interest-free period bridges the gap between paying suppliers and receiving payment, smoothing short-term cash flow when the balance is cleared each cycle.
The Numbers Behind This Market
What this market is paying or charging on average right now, and the official figures behind it.
We are not a lender, broker or bank. Product data comes straight from each provider’s own Consumer Data Right feed (Australia’s official open banking system) and is refreshed daily, so what you see reflects published rates and fees, not a sales pitch.
✓Not a credit provider: we do not lend, arrange loans or take applications.
✓Sourced from each provider’s CDR Product Reference Data, refreshed daily.
✓Payment can change where a product appears, never which products we show.
✓General information, not credit advice. CompareThat compares; it does not recommend.
Rates and fees are sourced from each provider’s CDR Product Reference Data as of the date shown. They are general information only. Not credit advice. CompareThat is not a credit provider. Payment can change where a product appears, never which products we show.
