Business Credit Cards

Understand the credit card options that best fit your company spending
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AMEX rewards credit card
Business Credit Cards AirpointsBalance TransferLow FeeLow InterestRewards
Kiwibank business visa
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Kiwibank Business Low Rate Visa
Int. Rate Purchases (p.a.)

12.50%

Balance Transfer

-

Annual Account Fee

$6.25 Quarterly

Interest Free Days

Up to 55 days

Corporate Liability Waiver Insurance | Set different spend limits for each cardholder
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Balance Transfer

Interest Rate Cash Advance (p.a.)

12.50%

Overseas Travel Insurance

Minimum Credit Limit

Joint Or Additional Cards Fee

Foreign Currency Purchases

1.85% of the NZ dollar value

Payment Type

Other

ANZ visa card
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ANZ Visa Business Card Low Rate
Int. Rate Purchases (p.a.)

13.90%

Balance Transfer

-

Annual Account Fee

$35

Interest Free Days

Up to 55 days

Complimentary Liability Waiver insurance
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Balance Transfer

Interest Rate Cash Advance (p.a.)

20.95%

Overseas Travel Insurance

Minimum Credit Limit

Joint Or Additional Cards Fee

$5 p.a.

Foreign Currency Purchases

Payment Type

Apple Pay and Google Pay

Other

BNZ Business First Lite Visa
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BNZ Business First Lite Visa
Int. Rate Purchases (p.a.)

14.95%

Balance Transfer

-

Annual Account Fee

$5/month per card

Interest Free Days

Up to 55 days

Unlimited number of cards per account | Access up to $50,000 credit limit.T&C's apply
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Balance Transfer

Interest Rate Cash Advance (p.a.)

14.95%

Overseas Travel Insurance

Minimum Credit Limit

Joint Or Additional Cards Fee

$5 per moth per card

Foreign Currency Purchases

2.25% of the NZ dollar value

Payment Type

Other

ASB Visa Business
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ASB Visa Business
Int. Rate Purchases (p.a.)

20.95%

Balance Transfer

-

Annual Account Fee

$15 every 6mos

Interest Free Days

Up to 50 days

Buy now, pay later globally
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Balance Transfer

Interest Rate Cash Advance (p.a.)

22.95%

Overseas Travel Insurance

Minimum Credit Limit

$1000 per card

Joint Or Additional Cards Fee

Foreign Currency Purchases

Payment Type

Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and ASB Paytag

Other

Westpac airpoints mastercard
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Westpac Airpoints Business Mastercard
Int. Rate Purchases (p.a.)

20.95%

Balance Transfer

5.95% p.a.

Annual Account Fee

$72.50 every 6mos

Interest Free Days

44 days

Earn 1 Status Point per $225 eligible purchases | Earn 1 Airpoints Dollar per $85 eligible business spend
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Balance Transfer

5.95% p.a.

Interest Rate Cash Advance (p.a.)

22.95%

Overseas Travel Insurance

Upt to 35 days

Minimum Credit Limit

Joint Or Additional Cards Fee

$25 per card

Foreign Currency Purchases

2.50% of transaction amount

Payment Type

Apple Pay and Westpac Pay

Other

AMEX business card
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The American Express Business Card
Int. Rate Purchases (p.a.)

No Interest

Balance Transfer

-

Annual Account Fee

$55

Interest Free Days

up to 50 days

Earn 1 Membership Rewards point for every $1 spent | Transport Accident Cover
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Balance Transfer

Interest Rate Cash Advance (p.a.)

Overseas Travel Insurance

Minimum Credit Limit

Joint Or Additional Cards Fee

$40 per card

Foreign Currency Purchases

Payment Type

Apple Pay, Google Pay, Samsung Pay and Fitbit Pay

Other

ANZ Visa Business Card Airpoints
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ANZ Visa Business Card Airpoints
Int. Rate Purchases (p.a.)

20.95%

Balance Transfer

-

Annual Account Fee

$145

Interest Free Days

Up to 44 Days

Earn 1 Airpoints Dollar for every $85 spent on eligible purchases or 1 Airpoints Dollar for every $50 spent directly with Air New Zealand

Earn Air New Zealand status points | Koru membership benefits | Complimentary Liability Waiver insurance
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Balance Transfer

Interest Rate Cash Advance (p.a.)

20.95%

Overseas Travel Insurance

Minimum Credit Limit

Joint Or Additional Cards Fee

$5 p.a.

Foreign Currency Purchases

Payment Type

Apple Pay and Google Pay

Other

ANZ Visa Business Card Cashback
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ANZ Visa Business Card Cashback
Int. Rate Purchases (p.a.)

20.95%

Balance Transfer

-

Annual Account Fee

$95

Interest Free Days

Up to 55 days

Get $1 Cashback for every $90 spent
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Balance Transfer

Interest Rate Cash Advance (p.a.)

20.95%

Overseas Travel Insurance

Minimum Credit Limit

Joint Or Additional Cards Fee

$5 p.a.

Foreign Currency Purchases

Payment Type

Apple Pay and Google Pay

Other

ASB Visa Business Rewards
More info
ASB Visa Business Rewards
Int. Rate Purchases (p.a.)

19.95%

Balance Transfer

0.00% first 6mths

Annual Account Fee

$35 every 6mos

Interest Free Days

Up to 50 days

Spend $100 = TR $1 or Spend $50 = 1c off per/L AA Smartfuel
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Balance Transfer

0.00% first 6mths

Interest Rate Cash Advance (p.a.)

22.95%

Overseas Travel Insurance

Minimum Credit Limit

$1000 per account

Joint Or Additional Cards Fee

$10 per Additional Card

Foreign Currency Purchases

Payment Type

Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and ASB Paytag

Other

BNZ Advantage Visa Business
More info
BNZ Advantage Visa Business
Int. Rate Purchases (p.a.)

18.95%

Balance Transfer

-

Annual Account Fee

$50 every 6mos

Interest Free Days

Up to 50 days

Earn 2 BNZ Points per $1 spent | Earn BNZ Points equivalent to $1 cash back to your credit card account per $75 spent | Earn 1 Flybuys per $15 spent
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Balance Transfer

Interest Rate Cash Advance (p.a.)

18.95%

Overseas Travel Insurance

Up to 35 days

Minimum Credit Limit

Joint Or Additional Cards Fee

$10 half yearly

Foreign Currency Purchases

2.25% of the NZ dollar value

Payment Type

Apple Pay and Google Pay

Other

What is a business credit card?

A business credit card has the same concept as a personal credit card; an unsecured, revolving credit line that allows you to borrow money to make purchases, up to a certain limit, based on your ability to make repayments. The key differences are;.

  • Used for business purchases – allowing you to manage business and personal expenses separately.
  • The company can be liable for the payment of the card rather than the individual.

Business Credit Cards are an efficient way of managing business expenses and monitoring the business’ cash flow. Similar to personal credit cards, business credit cards are convenient and offer a range of rewards and incentives that appeal to businesses of all sizes.

How does a business credit card work?

A business credit card can be issued to both owners and employees and allows you to use money owned by the credit card provider. This use of funds does not incur interest charges if the card is paid off in full each month. The advantage to the business is that they do not need to immediately fund the money required to make the purchases.

Who is responsible for business credit cards?

The two most common situations are:

Personal Liability Credit Cards

This is where the primary user of the card becomes personally responsible for the management of the card. In other words, the individual is accountable for paying off the balance when required. When applying for a personal liability credit card, banks also may use the financial information and background of the user rather than the business itself.

Business Liability Credit Cards

This is where the business becomes solely responsible for the management of the card. Any issues related to the card can be put back on the business and the business is accountable for paying off any balance or debts on the card.

Despite who is responsible for the payment management on the card; both the users name and company name will be printed on the card.

What types of business credit cards are there?

There are a range of business credit cards to suit all businesses of all sizes. Different credit cards have been specifically designed to suit all businesses dependent on their industry and size. The following are the types of business credit cards that are available to choose from:

Rewards Credit Cards

Reward credit cards offer rewards based on the amount spend on the credit card. These rewards can range from fuel bonus’ to reward points for particular schemes associated with the provider. These points can be used to redeem a variety of rewards including merchandise, gift cards and travel rewards.

Airpoints Credit Cards

Airpoints credit cards reward you with Airpoints when you spend a certain amount of money. AirPoints are a part of Air New Zealand’s loyalty system. They can be used to purchase flights, rental cars and other travel luxuries.

Low Rate Credit Cards

Low Rate credit card cards offer a low interest rate on purchases. This means it is more affordable for businesses that require a longer period of time to pay off their debts. It also gives businesses flexibility if any major expenses arise.

Low Fee Credit Cards

Low fee credit cards aim to be more affordable for businesses to access a line of credit. There are typically no (or very small) annual fees for low fee credit cards. This makes it appealing and economical for small businesses.

Cashback Credit Cards

Cashback credit cards offer a percentage of your spending to be credited back to your credit card at the end of your cashback year. Your cashback percentage is dependent on amount you spend during this time period.

What are the features of a business credit card?

Interest

Business credit cards offer different interest rates on purchases and cash advances. These interest rates are a percentage of the amount owing on the card if the amount is not paid in full at the designated time.

Cashflow Management

Business credit cards offer tools to help keep track of business expenses, smooth out irregularities in relation to work spending and monitor what areas of business are costing the most money.

Rewards

Some business credit cards offer reward bonus’ that can add value to your business. This can be in the form of Airpoints, fuel discounts and a variety of loyalty systems.

Credit Limit

A credit limit will be set on your business credit card based on the financial status and credit report of the business applying.

Additional Cards

Additional cards may be purchased or applied for dependent on the provider. This allows businesses to give multiple employees access to the same account for work spending purposes.

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