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

    • Complimentary Liability Waiver insurance protects your business against unauthorised card transactions.

    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 $85NZD

      • 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
          • If you are involved in a serious accident while travelling for business, your outstanding Card Account balance could be covered 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.