Why a Dedicated Business Card?

A business card does two jobs: it separates company and personal spending (which your accountant will thank you for at BAS time), and it converts overheads you'd pay anyway — advertising, software, inventory, contractors — into points at a scale personal cards rarely reach.

What to Look For

  • Earn rate on your actual spend categories. Some cards reduce earn on government or utility payments; check the exclusions against your biggest expense lines.
  • Sign-up bonus vs minimum spend. The Business Explorer currently offers 100,000 bonus points with a $0 first-year fee (as at October 2026). Confirm the spend requirement fits your natural monthly volume.
  • Expense tools. Additional employee cards, spend controls and accounting-software feeds save real admin hours.
  • Interest-free days. Used well, up-to-55-day interest-free periods are a genuine working-capital tool — see how interest-free days work.

The Tax and Accounting Rules That Matter

Annual fees on a card used wholly for business are generally tax-deductible; the points you earn are typically treated as a private benefit rather than assessable income for small businesses, but treatment varies — confirm with your accountant. Keep business and personal spend strictly separate: mixed-use cards turn reconciliation into a part-time job and invite ATO scrutiny.

Personal Liability Is Real

Most small-business cards in Australia require a personal guarantee, meaning missed payments hit your credit file. If cash flow is tight, read what happens if you miss a payment before applying, and never use a rewards card as a borrowing tool — the interest rate will erase the points.

Qantas Points for Business

The Qantas Business Rewards card feeds company spend directly into a Qantas-linked balance — worth a look if your team already flies Qantas. Compare both options in our comparison calculator with your real monthly spend figure.

The Bottom Line

Pick the card whose earn structure matches your biggest expense categories, treat the limit as a payment tool rather than a loan, and let the points be a by-product of spending the business was doing anyway.