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Choose from our range of Qantas Points earning business credit cards.

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Business Credit Cards

A business credit card that earns Qantas Points is one that’s intended for the use of a business, not for an individual’s personal use. This means you’ll need an Australian Business Number (ABN) to apply. They can be useful for any sized  business, by helping to track business spend. Perhaps you are a sole trader or you have a small business with a handful of employees. There are several types of business credit cards, including ones that earn you Qantas Points.

What makes a business credit card that earns Qantas Points different?

This type of credit card will earn your business and in some instances the individual Frequent Flyer member Qantas Points on your card spend. Depending on which you choose, some credit cards even have bonus points offers (meaning a boost to your business’ points balance) or complimentary Qantas Business Rewards membership.

 

What is the best credit card for small businesses?

While there’s no 'best' credit card for small business, the credit card that is best for your business will be the one that fits in with your existing business spending. This means you'll need to look at a range of factors, such as:

  • Purchases that are eligible to earn you Qantas Points
  • Capital expenses
  • Do you have additional staff that need credit cards
  • What are your business travel payment needs
  • Will an interest free period create additional savings for your business
  • Additional benefits
  • Cash flow management.

Some credit cards also link with accounting software which can help with financial reconciliations at tax time.

You can then match the types of transactions you make with the credit card features. For example, if your business uses a credit card for flights and regularly pays it off, a credit card that earns Qantas Points might offer competitive value. On the other hand, if your business relies on the credit card for credit, interest-free days, a low rate or low fee a business credit card might be the best option.

Qantas Points for the Qantas Business Rewards cardholder, and rewards for your business

With Qantas Business Rewards, you can earn points on your business expenses on top of the Qantas Points earned through the credit card spend. So, if you’re a sole trader or owner of the business you’ll be earning twice. Or, if the credit card is used by your employees, the business will earn points as well as the cardholder.  Once you’ve saved up some Qantas Points into your Qantas Business Rewards account, you can choose whether to transfer them to your personal Frequent Flyer account, or to use them to reward your staff. Take a look at Qantas Business Rewards to see all the ways you can earn points for your business.

Business credit cards for travel

If your business becomes a Qantas Business Rewards member, you or your employee’s feet don’t need to leave the ground to earn Qantas Points. However, if you or your employees need to travel for business, you could earn even more benefits associated with travel. As well as the Qantas Points and Status Credits earned on eligible flights, the business will also earn Qantas Points and a flight discount based on the amount of Qantas Points you earn in a year.

Which Business credit card that earns Qantas Points will you choose?

Compare the business credit cards that earn Qantas Points with features such as a sign up bonus (based on approval and minimum spend criteria), complimentary Qantas Frequent Flyer or Business Rewards membership, Qantas Club lounge passes, and more. Then decide which one is best suited to your needs and circumstances. Compare Qantas Points earning Business Credit Cards here.

Does my business have to fly a lot for it to be worth it?

Using a credit card that earns Qantas Points is a great way for you or your employer to build their points balance. Even if you don’t need to fly often for business, just being smart with your business credit card is one of the fastest ways to earn Qantas Points.

How do I qualify for a business credit card?

Before you apply for a credit card, you'll need to make sure that you meet the necessary eligibility requirements and have organised the necessary documents to complete the application.

 

How to apply for a business credit card that earns Qantas Points?

Once you’ve decided which business credit card is right for you, the ‘apply now’ button will take you through to the relevant credit card owner’s site. Each has their own set of eligibility requirements which will need to be met in order for your application to be successful. Compare the right Qantas Points earning business credit card here.

Business credit cards and foreign transaction fees
There are many business credit cards offering 0% foreign transaction fees, but there are other important things to keep in mind:

  • Annual fees. Although many credit cards have annual fees, you can potentially save money spent on those fees by paying 0% in foreign transaction fees. 

  • Overseas ATM withdrawal fees. It's important to remember that things can work differently in other countries, especially when it comes to ATM charges. These can attract a fee from the ATM provider worth at least $3 or between 2-4% of the total transaction, so make sure you budget accordingly and do your research. 

  • Purchase rate. Being money smart and paying your credit card balance by the due date on each statement will ensure that your overseas spending won't attract interest at the credit card's standard rate - a rate which could reduce the value you get from having no foreign transaction fees.

  • Other travel benefits. Some credit cards offer additional perks, such as complimentary travel insurance, airport lounge access or Qantas Points for your eligible spending. Be sure to check what you need to do to activate these perks so you get maximum value out of your credit card e.g. paying for your airfares on the credit card offering the reward.

  • What you need to know

    You must be a Qantas Frequent Flyer to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

    When it comes to credit cards, your bank or financial institution may use different terms. Here is a general explanation of the meaning of some of the terms used in relation to credit cards. Please keep in mind that it’s important that you read the terms and conditions of your credit card as well as the Product Disclosure Statement (PDS) to understand all the rewards, features, fees and charges and interest rates that may apply to your card.

    Card products referred to are not Qantas products and not offered or issued by Qantas but by the relevant Card partners. The applicable Card Partner is the credit provider and credit licensee under the National Consumer Credit laws. Points are offered by the relevant Card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria applies.