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Visa business credit cards

See a list of the top Visa credit cards for small companies

Updated: 01.09.2026

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Quick Rates Review

Compare top financial options at a glance. Comprehensive analysis for each listed offer is available further down the page

Institution

Rate (APR/APY)

Sum & Term

NAB

13.25%

Up to $5,000

Flexible Term

St. George Bank

9.99% - 17.15%

Flexible Amount

55 days

Bank of Melbourne

9.99% - 17.15%

Flexible Amount

Flexible Term

BankSA

9.99% - 17.15%

Flexible Amount

Flexible Term

Hume Bank

10.1% - 19.95%

Up to $5,000

Flexible Term

Heritage Bank

10.65% - 12.95%

Up to $1,000

Flexible Term

NAB

12.65%

Flexible Amount

Flexible Term

ANZ Bank

12.99% - 14.49%

Up to $1,000

Flexible Term

Queensland Country Bank

14.45%

Flexible Amount

Flexible Term

NAB

15.50%

Up to $5,000

Flexible Term

ANZ Bank

17.74% - 19.24%

Up to $1,000

Flexible Term

NAB

18.50% - 21.74%

Up to $5,000

Flexible Term

NAB

18.50% - 21.74%

Up to $5,000

Flexible Term

St. George Bank

19.49% - 20.24%

Flexible Amount

55 days

Bank of Melbourne

19.49% - 20.24%

Flexible Amount

Flexible Term

ANZ Bank

20.24% - 21.74%

Up to $5,000

Flexible Term

ANZ Bank

20.24% - 21.74%

Up to $5,000

Flexible Term

Quick Expert Insights

Interest Rates

Average:14.93%

Range:9.99% - 21.74%

Product Term

Minimum: 55 days

Maximum: 55 days

Limit / Amount

Min Entry:$1,000

Max Limit:$0

Analysis of 17 offers shows an average rate of 14.93%, with the absolute market maximum reaching 21.74%. Flexible terms from 55 days are available at St. George Bank, while St. George Bank offers terms up to 55 days . The lowest entry is $1,000 (via Heritage Bank).

Full Products Review

In-depth analysis of available financial offers. Compare detailed terms and explore expert insights to choose the most suitable option for your needs.

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ANZ Bank

ANZ Business Black

Rate: 20.24% - 21.74%

Sum: $5,000

💰 Fees & Rates

Annual Fee: $300
Rewards Fee: $75 per card per year
Interest rate on purchases: 20.24% p.a.
Interest rate on cash advances: 21.74% p.a.

📋 Important Terms

Bonus Points: Earn 100,000 points with $6,000 spend in first 3 months; 50,000 points after 15 months
Earn Rate: 1.5 Reward Points per $1 (up to $10,000 monthly) and 1.0 Reward Point per $1 thereafter
Taxation Payments: 0.5 Reward Points per $1 spent (uncapped)
Interest Free Period: Up to 55 days on purchases if balance paid in full
Redemption: Points can be used for gift cards, ANZ Cashback, or airline partner points (Velocity, Airpoints, Asia Miles, KrisFlyer)
Insurance: Includes complimentary Domestic and International Travel Insurance

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The ANZ Business Black card is a premium rewards-focused product that stands as a direct competitor to the corporate Visa Infinite or World Elite Mastercards from Canada's Big Five, such as the BMO Business Rewards or RBC Avion suites. Its primary advantage is the uncapped reward structure and the significantly higher earn rate (1.5 points per $1) for initial monthly spending, alongside the flexibility to transfer points to multiple airline partners or redeem for statement credit. The main disadvantage is the high combined entry cost of $375 annually per cardholder, which requires a substantial spend volume to offset. This card is best suited for established Australian business owners who value versatile redemption options beyond a single airline and manage high monthly expenses that can maximize the tiered reward points.

📍 View official contacts for ANZ Bank

ANZ Bank

ANZ Qantas Business Rewards

Rate: 20.24% - 21.74%

Sum: $5,000

💰 Fees & Rates

Annual Fee: $300
Rewards Fee: $75 per card per year
Late Payment Fee: Applicable if closing balance not paid by due date
Cash Advance Fee: Applicable to all cash-related transactions
Foreign Transaction Fees: Fees apply for overseas purchases

📋 Important Terms

Bonus Offer: Up to 150,000 bonus Qantas Points (100k for $6,000 spend in 3 months + 50k for holding card for 15 months)
Earn Rate: 0.75 points per $1 up to $15,000 per month; 0.5 points per $1 thereafter (uncapped)
Tax Payments: 0.5 points per $1 spent on ATO/tax payments
Interest-Free Period: Up to 55 days on eligible purchases
Complimentary Insurance: Domestic and International Travel Insurance included
Membership: Free Qantas Business Rewards membership for ANZ customers (save $89.50)

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The ANZ Qantas Business Rewards card is a high-velocity loyalty tool that competes directly with premium travel cards from Canada's Big Five, such as the RBC Avion Visa Infinite Business or the TD Aeroplan Business Rewards Card. The primary advantage is the "uncapped" nature of points earning and the ability to earn points on government/tax payments, which is a rare feature in the Australian market. The main disadvantage is the dual-tier fee structure ($300 annual + $75 reward fee per card), which can become expensive for businesses with multiple cardholders. This card is best suited for high-spending SMEs that prioritize travel benefits and can leverage large tax liabilities to accelerate Qantas Point accumulation for business flight redemptions.

📍 View official contacts for ANZ Bank

ANZ Bank

ANZ Business Low Rate

Rate: 12.99% - 14.49%

Sum: $1,000

💰 Fees & Rates

Annual Fee: $0 for the first year, then $100 per year
Interest rate on purchases: 12.99% p.a.
Interest rate on cash advances: 14.49% p.a.
Annual Additional Cardholder Fee: N/A

📋 Important Terms

Interest Free Days: 0 days on purchases
Unauthorised Transaction Insurance: Covers up to $37,500 per cardholder
Accounting Integration: Supports data feeds to Xero, MYOB, and QuickBooks
Security: 24/7 monitoring with ANZ Falcon and Fraud Money Back Guarantee
Eligibility: New cardholders only for the fee waiver offer

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The ANZ Business Low Rate card is a high-utility debt management tool that aligns with the "Low Rate" business offerings from Canada's Big Five, such as the RBC Visa CreditLine for Business or the TD Venture Line. Its primary advantage is the significantly lower purchase rate (12.99%) compared to standard business cards, which often hover around 20%, making it ideal for businesses that carry a monthly balance. However, the major disadvantage is the complete lack of interest-free days on purchases, meaning interest begins accruing immediately. This product is best suited for small business owners who prioritize low borrowing costs over rewards or grace periods and primarily use their card as a revolving credit facility for capital expenses.

📍 View official contacts for ANZ Bank

ANZ Bank

ANZ Business 55 Interest Free Days

Rate: 17.74% - 19.24%

Sum: $1,000

💰 Fees & Rates

Annual Fee: $0 for the first year, then $150 per year
Interest rate on purchases: 17.74% p.a.
Interest rate on cash advances: 19.24% p.a.
Late payment fees and other charges apply per the ANZ Commercial Card Terms and Conditions

📋 Important Terms

Interest-Free Period: Up to 55 days on purchases if the Closing Balance is paid in full by the due date each month
Eligibility: Available to approved applicants for business purposes only
Application: Can be completed in 20 minutes or less by connecting accounting software
Insurance: Includes complimentary Unauthorised Transaction Insurance up to $37,500 per cardholder
Controls: Ability to set monthly spend caps, transaction limits, and merchant category controls for cardholders

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The ANZ Business 55 Interest Free Days card is a streamlined "no-frills" cash flow management tool that mirrors the utility of basic business credit offerings from Canada's Big Five, such as the RBC Business Select or Scotiabank Business Visa cards. Its primary advantage is the lower interest rate and the first-year annual fee waiver, making it a cost-effective choice for startups focused on managing working capital rather than accumulating rewards. The main disadvantage is the lack of any reward points or travel benefits, which may deter high-spend businesses looking for secondary value from their expenses. This card is ideally suited for micro-businesses and sole traders who need a simple, low-cost credit facility to bridge short-term income gaps and simplify expense tracking through accounting software integration.

📍 View official contacts for ANZ Bank

Bank of Melbourne

Amplify Business

Rate: 19.49% - 20.24%

💰 Fees & Rates

Annual card fee: AUD 89.
First-year annual card fee: AUD 0 for the first year.
Foreign transaction fee: 3% of the Australian dollar value of any foreign transaction.
Cash advance fee: 3% of the cash advance amount.
Missed payment fee: AUD 0.
Card replacement fee: AUD 0, though courier costs may apply.
Overlimit fee: AUD 0, applied once per statement period if a transaction exceeds available credit.
Automatic payment dishonour fee: AUD 0, applied once per statement period for each dishonoured automatic payment.

📋 Important Terms

This is a personal liability business credit card.
Up to 4 cards can be issued in total, including up to 3 additional cardholders.
Earn uncapped points on eligible business purchases.
Double points apply on international spending.
Rewards can be redeemed through Amplify Rewards or Amplify Qantas.
Up to 55 days interest-free on purchases when the Closing Balance, or Monthly Payment Balance after a balance transfer, is paid on time.
Complimentary insurance includes Transit Accident Insurance and Unauthorised Transaction Insurance, subject to the terms and conditions.
Expense data can be exported to MYOB and BAS or downloaded to Excel for tax and bookkeeping purposes.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage is the uncapped rewards structure with a choice between Amplify Rewards and Qantas Points, which gives business spenders flexibility that many mid-market cards from the Big Five do not match as cleanly. The main drawback is the relatively high purchase and cash advance rates, so the card works best only if the balance is paid in full each month. Compared with business cards from RBC, TD, BMO, Scotiabank, and CIBC, this is a good fit for owners who want points on everyday and international business spending plus simple expense reporting, rather than a low-rate borrowing tool.

📍 View official contacts for Bank of Melbourne

Bank of Melbourne

BusinessVantage

Rate: 9.99% - 17.15%

💰 Fees & Rates

Annual Card Fee: $55 per card.
Foreign Transaction Fee: 3% of the Australian dollar value.
Cash Advance Fee: 3% of the transaction amount.
Missed Payment Fee: $0.
Overlimit Fee: $0.
Statement Copy Fee: $2.

📋 Important Terms

Interest-Free Period: Up to 55 days on purchases.
Purchase Rate: 9.99% p.a. variable (available for new cards only).
Cash Advance Rate: 17.15% p.a. variable.
Card Limit: Allows up to 99 additional cardholders with individual limits.
Eligibility: Open to sole traders, companies, incorporated associations, partnerships, and trusts.
Security: Includes Unauthorised Transaction Insurance.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The primary advantage of the BusinessVantage Visa is its remarkably low purchase rate of 9.99%, which is nearly half the rate of standard business cards offered by Big Five banks like RBC or TD. The main disadvantage is the 3% foreign transaction fee, which is higher than some premium business travel cards. Compared to major institutional offerings, this card provides exceptional value for domestic small businesses that occasionally carry a balance. It is best suited for Australian business structures, such as sole traders and partnerships, who prioritize low interest costs and simplified expense management for multiple employees without the burden of high annual fees.

📍 View official contacts for Bank of Melbourne

BankSA

Visa Business

Rate: 9.99% - 17.15%

💰 Fees & Rates

Card Fee (per year)	$55 per card
Foreign transaction fee	3% of the Australian dollar value of any Foreign Transaction
Cash Advance Fee	3% of the cash advance amount
Missed Payment Fee	$0
Card replacement fee	$0 (courier costs may apply)
Overlimit Fee	$0
Automatic payment fee	$0
Statement copy fee	$2 for requests via Phone/Internet Banking or other methods

📋 Important Terms

Low variable purchase rate of 9.99% p.a. is applicable to new cards only.
Offers up to 55 interest-free days on purchases when the closing balance is paid by the due date.
Supports up to 100 cards in total (primary user plus up to 99 additional cardholders) with individual limits.
Available for multiple business structures including sole traders, companies, partnerships, incorporated associations, and trusts.
Includes Unauthorised Transaction Insurance to protect the account holder.
Provides structured expense reporting with optional consolidated summaries by department or division.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of this business credit card is its exceptionally low variable purchase rate of 9.99% p.a. for new cards and a highly affordable annual fee of $55 per card, making it one of the most cost-efficient financing tools available. The main disadvantage is that it lacks a dedicated rewards or cash-back program, meaning businesses cannot earn points on their everyday corporate expenses. Compared to entry-level low-rate business credit cards from the Big Five Canadian banks, such as RBC or TD, this card offers a significantly lower interest rate threshold, making it the perfect choice for small businesses, sole traders, or growing teams that occasionally carry a monthly balance and prioritize low interest over rewards.

📍 View official contacts for BankSA

Greater Bank

Business Visa Credit Card

Heritage Bank

Business Visa Credit Card

Rate: 10.65% - 12.95%

Sum: $1,000

Hume Bank

Business Visa credit card

Rate: 10.1% - 19.95%

Sum: $5,000

NAB

NAB Qantas Business Signature Card

Rate: 18.50% - 21.74%

Sum: $5,000

💰 Fees & Rates

Annual card fee: 295 AUD (per card)

📋 Important Terms

Sign-up offer: Earn 150000 bonus Qantas Points when spending 10000 AUD on everyday business purchases within 90 days of account opening Up to 44 interest-free days on business purchases Earn points on eligible government payments (excluding BPAY) at the standard rate Includes a free Qantas Business Rewards membership (saving 89,50 AUD) Includes complimentary Unauthorised Transaction Insurance and Transit Accident Insurance Minimum facility credit limit is 5000 AUD

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The NAB Qantas Business Signature Card is a premium financial tool designed specifically for frequent corporate travelers. The standout feature is its integration with the Qantas Business Rewards program and the rare ability to earn Qantas Points on government payments like ATO bills. However, the high annual fee of 295 AUD per card means you must spend heavily to justify the cost. Compared to Qantas-affiliated cards from Commonwealth Bank or ANZ, NAB provides excellent value by waiving the Qantas Business Rewards joining fee and offering a very generous sign-up bonus. This card is ideal for medium to large business owners who frequently fly Qantas, have significant tax bills to pay, and can easily meet the 10000 AUD spending threshold in the first 90 days.

📍 View official contacts for NAB

NAB

NAB Purchasing and corporate credit cards

Rate: 12.65%

💰 Fees & Rates

Fees are customised based on the specific corporate agreement

📋 Important Terms

Requires a bespoke corporate application process Can be linked with FlexiPurchase software for enhanced expense management Offers physical, lodge, and virtual card options Includes complimentary Unauthorised Transaction Insurance

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The NAB Purchasing and corporate credit cards offer a highly customizable, enterprise-grade solution for managing large-scale expenses. The main advantage is the deep integration with the FlexiPurchase software, allowing finance teams to enforce strict spending policies and streamline GST/FBT reporting across hundreds of employees. The primary disadvantage is that this is not an off-the-shelf product; pricing and limits must be negotiated directly with a banker, making it inaccessible for smaller businesses. Compared to corporate offerings from Commonwealth Bank or Westpac, NAB provides excellent flexibility with its mix of physical, lodge, and virtual card types. This solution is best suited for large corporations and government entities that require centralized control over significant travel and procurement budgets.

NAB Business Card

Rate: 15.50%

Sum: $5,000

💰 Fees & Rates

Monthly card fee: 9 AUD (per card)

📋 Important Terms

Up to 35 interest-free days on business purchases Requires an annual turnover of at least 75000 AUD for new customers Business must be registered for GST and have an ABN registered for at least 12 months Minimum facility credit limit is 5000 AUD Outstanding balance is automatically debited each month from a nominated account

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The NAB Business Card functions practically as a charge card, designed to tightly control employee spending. Its standout feature is the automatic monthly sweep that clears the balance from a nominated account, virtually eliminating the risk of accumulating high interest debt. However, its main drawback is the short 35-day interest-free period, which is notably less generous than the 44 to 55 days offered by other NAB credit cards. When compared to basic business charge cards from ANZ or Westpac, the 9 AUD monthly fee is reasonable for the control it provides. This card is best suited for established SMEs with steady cash flow who want to issue cards to staff for day-to-day expenses without the risk of long-term revolving debt.

📍 View official contacts for NAB

Queensland Country Bank

Business Visa My Rewards Credit Card

Rate: 14.45%

St. George Bank

BusinessVantage

Rate: 9.99% - 17.15%

Term: 55 days

💰 Fees & Rates

Card Fee: $55 per card per year.
Foreign Transaction Fee: 3% of the Australian dollar value of any foreign transaction.
Cash Advance Fee: 3% of the cash advance amount.
Missed Payment Fee: $0.
Card Replacement Fee: $0 (courier costs may apply).
Overlimit Fee: $0.
Automatic Payment Fee: $0 for each dishonoured payment under the plan.
Statement Copy Fee: $2 for requests via Phone Banking, Internet Banking, or other methods.

📋 Important Terms

Low purchase interest rate of 9.99% p.a. variable (applicable to new cards only).
Cash advance interest rate of 17.15% p.a. variable.
Interest-free period: Up to 55 days on purchases when paying the closing balance by the statement due date.
Complimentary insurance: Unauthorised Transaction Insurance included.
Card availability: Supports up to 99 additional cardholders with individual card limits.
Eligible business structures include sole traders, companies, incorporated associations, partnerships, and trusts.
Expense management via detailed statements with optional consolidated summaries by department/division.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The BusinessVantage Visa card stands out for its exceptionally low purchase rate of 9.99% p.a., making it an excellent cost-saving tool for businesses that carry a month-to-month balance. Its main advantage is this low APR combined with a budget-friendly annual fee ($55) and support for up to 99 secondary cardholders with individual limits. The primary drawback is that the 9.99% rate is strictly limited to new cards, and the card completely lacks a rewards or cash-back program. Compared to low-rate business cards offered by the Canadian Big Five banks, such as the RBC NextLogic Visa or TD Business Select ViA, this card provides a much lower interest rate (Canadian equivalents typically range from 11.99% to 12.99% for low-rate options). It is best suited for startups, sole traders, and small businesses that prioritize minimal financing costs and flexible employee spending control over earning travel rewards or cash back.

📍 View official contacts for St. George Bank

St. George Bank

Amplify Business

Rate: 19.49% - 20.24%

Term: 55 days

💰 Fees & Rates

Annual Card Fee: $89 (waived for the first year).
Foreign Transaction Fee: 3% of the Australian dollar value of any foreign transaction.
Cash Advance Fee: 3% of the cash advance amount.
Missed Payment Fee: $0.
Card Replacement Fee: $0 (courier costs may apply).
Overlimit Fee: $0.
Automatic Payment Fee: $0 for each dishonoured payment.

📋 Important Terms

Personal liability business credit card with immediate online application response.
Interest-free period: Up to 55 days on purchases if the Closing Balance is paid on time.
Purchase interest rate: 19.49% p.a. variable.
Cash advance interest rate: 20.24% p.a. variable.
Choice between two rewards programs: Amplify Rewards or Qantas Rewards.
Amplify Rewards earning rates: 2 points per $1 on overseas purchases, 1 point per $1 on Australian purchases, 0.5 points per $1 on government payments. Minimum 3,000 points required to redeem.
Qantas Rewards earning rates: 1 point per $1 on overseas purchases, 0.5 points per $1 on Australian purchases, 0.25 points per $1 on government payments.
Complimentary insurance included: Transit Accident Insurance and Unauthorised Transaction Insurance.
Simplified tax reporting with direct data export into MYOB, BAS, or Excel.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The Amplify Business card offers excellent flexibility for business owners through its dual rewards track (Amplify or Qantas Points) and highly competitive uncapped earning potential, especially on international spend. The first-year fee waiver provides immediate cost savings, and the integration with MYOB and BAS streamlines accounting. However, its foreign transaction fee of 3% undermines the value of double points earned on overseas spending. Compared to standard business offerings from Canadian Big Five banks like RBC (Commercial Avid Visa) or TD (Business Select ViA), this card features a lower standard annual fee and a more flexible points system, though its purchase APR remains in line with typical Canadian business cards (around 19.99%). It is best suited for small to medium business owners who want uncapped rewards and straightforward accounting integration, but do not mind personal liability.

📍 View official contacts for St. George Bank

Author: Prostobank Consulting

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Heritage Bank

Address: 400 Ruthven St

Contact: 13 14 22

Web: www.heritage.com.au

SWIFT: HBSLAU4T

Address: 333 Ross River Rd

Contact: 1 800 075 078

Web: www.queenslandcountry.bank

SWIFT: QCCNAU41

St. George Bank

Address: 275 Kent Street

Contact: 13 33 30

Web: www.stgeorge.com.au

SWIFT: SGBLAU2S

Stock: WBC

St. George Bank

Address: 275 Kent Street

Contact: 13 33 30

Web: www.stgeorge.com.au

SWIFT: SGBLAU2S

Stock: WBC

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20,000	2.10%	420
20,000	2.15%	430
20,000	2.20%	440
50,000	2.25%	1,125
50,000	2.30%	1,150
50,000	2.35%	1,175
100,000	2.40%	2,400
100,000	2.45%	2,450
100,000	2.50%	2,500
200,000	2.55%	5,100
200,000	2.60%	5,200
200,000	2.65%	5,300

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Full Products Review

ANZ Bank

💰 Fees & Rates

📋 Important Terms

💡 Adviser’s Tip

ANZ Bank

💰 Fees & Rates

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ANZ Bank

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ANZ Bank

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Bank of Melbourne

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Bank of Melbourne

💰 Fees & Rates

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BankSA

💰 Fees & Rates

📋 Important Terms

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Greater Bank

📋 Important Terms

Heritage Bank

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Hume Bank

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NAB

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NAB

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NAB

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NAB

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NAB

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NAB

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Queensland Country Bank

📋 Important Terms

St. George Bank

💰 Fees & Rates

📋 Important Terms

💡 Adviser’s Tip

St. George Bank

💰 Fees & Rates

📋 Important Terms

💡 Adviser’s Tip

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