Business Credit Cards

Pick the business credit card that gives you the flexibility to manage your cashflow and give you the
most rewards.

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Kiwibank
52036
Kiwibank Business Mastercard
Purchase Rate (p.a.)

12.50%

Balance Transfer

-

Interest Free Days

Up to 55 days

The simple way to pay for business expenses — with one of the most competitive interest rates available to businesses.

    Interest Rate Cash Advance (p.a.)12.50%

    Additional Card Fee/Joint Account-

    Minimum Credit Limit-

    Foreign Currency Purchases1.85% of the NZ dollar value

    Overseas Travel Insurance-

    Payment Type-

    Other-

    More Info
    ANZ Bank
    54630
    ANZ Visa Business Card Low Rate
    Purchase Rate (p.a.)

    12.90%

    Balance Transfer

    -

    Interest Free Days

    55 Days

    Make the most of a lower interest rate and you could save money on interest costs

      Interest Rate Cash Advance (p.a.)19.95%

      Additional Card Fee/Joint Account$10 p.a.

      Minimum Credit Limit-

      Foreign Currency Purchases-

      Overseas Travel Insurance-

      Payment TypeApple Pay and Google Pay

      Other-

      More Info
      Bank of New Zealand
      53066
      BNZ Business First Lite Visa
      Purchase Rate (p.a.)

      14.95%

      Balance Transfer

      -

      Interest Free Days

      Up to 55 days

      A low cost business card designed for small businesses.

      • Emergency travel assistance
      • The half yearly account fee will be refunded if at least $24,000 has been spent on the card since the last half-yearly account fee was charged.

      Interest Rate Cash Advance (p.a.)-

      Additional Card Fee/Joint Account$5 per moth per card

      Minimum Credit Limit-

      Foreign Currency Purchases2.25% of the NZ dollar value

      Overseas Travel Insurance-

      Payment Type-

      Other-

      More Info
      ASB Bank
      52038
      ASB Visa Business
      Purchase Rate (p.a.)

      20.95%

      Balance Transfer

      -

      Interest Free Days

      Up to 50 days

      Visa Business is a convenient way to make business purchases and manage everyday cash flow. You can also have multiple cards and set a credit limit for each, giving you greater control.

        Interest Rate Cash Advance (p.a.)22.95%

        Additional Card Fee/Joint Account-

        Minimum Credit Limit$1000 per card

        Foreign Currency Purchases-

        Overseas Travel Insurance-

        Payment TypeApple Pay, Google Pay, Fitbit Pay, Garmin Pay and ASB Paytag

        Other-

        More Info
        Westpac
        52039
        Westpac Airpoints Business Mastercard
        Purchase Rate (p.a.)

        20.95%

        Balance Transfer

        5.95% p.a. (on the balance transferred for the life of the balance)

        Interest Free Days

        44 days

         Earn 1 Airpoints Dollar per $75NZD, and one Status Point per $225NZD.

        • No annual account fee for your Airpoints Business Mastercard for as long as you have a personal Airpoints Platinum Mastercard account open Otherwise $145 per year
        • Extended Warranty Insurance
        • Purchase Protection Insurance

        Interest Rate Cash Advance (p.a.)22.95%

        Additional Card Fee/Joint Account$25 per card

        Minimum Credit Limit-

        Foreign Currency Purchases2.50% of transaction amount

        Overseas Travel InsuranceUpt to 35 days

        Payment TypeApple Pay and Westpac Pay

        Other-

        More Info
        American Express
        52040
        The American Express Business Card
        Purchase Rate (p.a.)

        No Interest

        Balance Transfer

        -

        Interest Free Days

        up to 30 days

        The Business Card is a Charge Card that does not restrict you with a pre-set spending limit. Charges are approved based on your resources and spending pattern and, because your Account is settled in full each month, you will pay no interest.

        • 1 Membership Rewards point for every $1 spent on your Card
        • If you suffer a serious accident while you’re travelling, American Express will pay certain benefits

        Interest Rate Cash Advance (p.a.)-

        Additional Card Fee/Joint Account$40 per card

        Minimum Credit Limit-

        Foreign Currency Purchases-

        Overseas Travel Insurance-

        Payment TypeApple Pay, Google Pay, Samsung Pay and Fitbit Pay

        Other-

        More Info
        ANZ Bank
        52041
        ANZ Visa Business Card Airpoints
        Purchase Rate (p.a.)

        19.95%

        Balance Transfer

        -

        Interest Free Days

        44 Days

        Earn 1 Airpoints Dollar for every $75 spent on eligible purchases or 1 Airpoints Dollar for every $50 spent directly with Air New Zealand

        • All Airpoints Dollars earned by your business will never expire while you have an ANZ Visa Business Airpoints card account.

        Interest Rate Cash Advance (p.a.)19.95%

        Additional Card Fee/Joint Account$10 p.a.

        Minimum Credit Limit-

        Foreign Currency Purchases-

        Overseas Travel Insurance-

        Payment TypeApple Pay and Google Pay

        Other-

        More Info
        ANZ Bank
        52042
        ANZ Visa Business Card Cashback
        Purchase Rate (p.a.)

        19.95%

        Balance Transfer

        -

        Interest Free Days

        55 Days

        Receive up to 1% cash back on all eligible purchases

          Interest Rate Cash Advance (p.a.)19.95%

          Additional Card Fee/Joint Account$10 p.a.

          Minimum Credit Limit-

          Foreign Currency Purchases-

          Overseas Travel Insurance

          Payment TypeApple Pay and Google Pay

          Other-

          More Info
          ASB Bank
          52043
          ASB Visa Business Rewards
          Purchase Rate (p.a.)

          19.95%

          Balance Transfer

          0.00% p.a. fixed for 6 months

          Interest Free Days

          Up to 50 days

          Spend $100 = True Reward $1 or Spend $50 = 1c off per/L AA Smartfuel

            Interest Rate Cash Advance (p.a.)22.95%

            Additional Card Fee/Joint Account$10 per Additional Card

            Minimum Credit Limit$1000 per account

            Foreign Currency Purchases-

            Overseas Travel Insurance-

            Payment TypeApple Pay, Google Pay, Fitbit Pay, Garmin Pay and ASB Paytag

            Other-

            More Info
            Bank of New Zealand
            53930
            BNZ Advantage Visa Business
            Purchase Rate (p.a.)

            18.95%

            Balance Transfer

            -

            Interest Free Days

            Up to 50 days

            Spend $15 to earn 1 Flybuys

            • Spend $75 to earn $1 Cash Reward

            Interest Rate Cash Advance (p.a.)-

            Additional Card Fee/Joint Account$10 half yearly

            Minimum Credit Limit-

            Foreign Currency Purchases2.25% of the NZ dollar value

            Overseas Travel InsuranceUp to 35 days

            Payment TypeApple Pay and Google Pay

            Other-

            More Info
            Westpac
            52045
            Westpac BusinessPLUS Mastercard with hotpoints
            Purchase Rate (p.a.)

            20.95%

            Balance Transfer

            5.95% p.a. (on the balance transferred for the life of the balance)

            Interest Free Days

            55 days

            Earn 1.25 hotpoints on every dollar you spend on your card

            • BusinessPLUS MasterCard holders who also have a personal Westpac Platinum card will not be charged the BusinessPLUS annual fee for as long as they keep their personal Westpac Platinum card account open Otherwise $100 per year
            • Extended Warranty Insurance
            • Purchase Protection Insurance

            Interest Rate Cash Advance (p.a.)22.95%

            Additional Card Fee/Joint Account$25 per card

            Minimum Credit Limit-

            Foreign Currency Purchases2.50% of transaction amount

            Overseas Travel InsuranceUpt to 35 days

            Payment TypeApple Pay and Westpac Pay

            Other-

            More Info
            American Express
            52046
            The American Express Gold Business Card
            Purchase Rate (p.a.)

            No Interest

            Balance Transfer

            -

            Interest Free Days

            Up to 50 days

            The Business Card is a Charge Card that does not restrict you with a pre-set spending limit. Charges are approved based on your resources and spending pattern and, because your Account is settled in full each month, you will pay no interest.

            • 1 Membership Rewards point for every $1 spent on your Card
            • If a second employee must be sent to complete your business trip due to the seriousness of your injury or illness, American Express will pay your expenses up to $20,000

            Promotion Details

            Receive 20,000 Bonus Membership Rewards Points when you spend $1,000 on your new Gold Business Card within 2 months of your approval date. Offer ends 31 December 2021.

            Interest Rate Cash Advance (p.a.)-

            Additional Card Fee/Joint Account$70 per card

            Minimum Credit Limit-

            Foreign Currency Purchases-

            Overseas Travel InsuranceYes

            Payment TypeApple Pay, Google Pay, Samsung Pay and Fitbit Pay

            Other-

            More Info
            ANZ Bank
            52047
            ANZ Visa Purchasing Card
            Purchase Rate (p.a.)

            19.95%

            Balance Transfer

            -

            Interest Free Days

            45 days

            An ANZ Visa Purchasing Card is an ideal way to manage frequent, low value business transactions and streamline your procurement – a great option if you have a large number of cardholders.

              Interest Rate Cash Advance (p.a.)19.95%

              Additional Card Fee/Joint Account-

              Minimum Credit Limit-

              Foreign Currency Purchases-

              Overseas Travel Insurance-

              Payment TypeApple Pay and Google Pay

              Other-

              More Info
              ANZ Bank
              52048
              ANZ Visa Corporate Card
              Purchase Rate (p.a.)

              19.95%

              Balance Transfer

              -

              Interest Free Days

              45 Days

              An ANZ Visa Corporate Card is a convenient way to manage your company’s travel and entertainment expenses. It can also be used to pay for other low value, high volume transactions, such as stationery items.

                Interest Rate Cash Advance (p.a.)19.95%

                Additional Card Fee/Joint Account-

                Minimum Credit Limit-

                Foreign Currency Purchases-

                Overseas Travel Insurance-

                Payment TypeApple Pay and Google Pay

                Other-

                More Info
                54630 Compare 
                53930 Compare 
                53066 Compare 
                52036 Compare 
                52038 Compare 
                52039 Compare 
                52040 Compare 
                52041 Compare 
                52042 Compare 
                52043 Compare 
                52045 Compare 
                52046 Compare 
                52047 Compare 
                52048 Compare 

                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.