BNZ Advantage Visa Business Credit Card

Gold Award

The BNZ Advantage Visa Business Credit Card is a business rewards credit card that allows you to earn 2 BNZ Point for every $1 you spend on eligible business purchases. The earned BNZ Points can be redeem for rewards such as travel, gift cards or cash back to your credit card account. The BNZ Advantage Visa Business Credit Card charges an annual fee of $100 and a purchase rate of 18.95% p.a.

Note: the BNZ Advantage Visa Business Credit Card is a personal liability card designed for a business owner's use and you have the ability to add only 1 more cardholder.

Is the BNZ Advantage Visa Business Credit Card suitable for my business?

The BNZ Advantage Visa Business Credit Card could be a good fit for businesses that want to earn reward points for business purchases and expect to make enough purchases to offset the annual fee of the credit card. We encourage you to compare all rewards credit cards on our website to help them make an informed decision.

Rewards Points Cash Equivalent

$100 spend earns you $1.34 cash equivalent^.

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases reward points cannot be redeemed for cash directly. See below to find out how the estimate was calculated.

Points Cash Equivalence Calculation

If $1 spend earns you 2 BNZ Points then $100 spend earns you 2 x 100 = 200 BNZ Points. And if 20,000 BNZ Points gets you a $134 cash back in statement credit. This means $100 spend earns you (134 x 200/20,000) = $1.34 cash equivalent.

Our research seems to suggest you get more value for your BNZ Points by redeeming them for statement credits (cash back) rather than for gift cards and other products.

How can I redeem my BNZ Points?

BNZ Points can be redeemed in several ways, including for statement credits, travel, gift cards and shopping. You can find out how to redeem your BNZ points on the BNZ rewards portal.

Key Features

Purchase Rate: 18.95%
Cash Advance Rate: N/A
Balance Transfer: N/A
Annual Fee: $100.00
Interest Free Days: 50 days
Minimum Repayment: N/A
Card Reward Details: Earn 2 BNZ Point for every $1 you spend on eligible business purchases
Credit Limit:
Other Fees:

IMPORTANT NOTE: please review the credit card details on the provider's website again before applying.

BNZ Advantage Visa Business Credit Card Review

Pros and Cons

We've compiled below the pros and cons of the BNZ Advantage Visa Business Credit Card to help you decide.

Pros

Earn BNZ Points

Cons

Limited benefits
Annual Fee
Limited to only 1 extra cardholder

What we like about the BNZ Advantage Visa Business Credit Card

Earn BNZ points

We like that you earn BNZ Points with every purchase which can be redeemed for gift cards, travel or even statement credit.

Drawbacks to Consider

Annual Fees

While the BNZ Advantage Visa Business Credit Card offers a rewards programme, it does come with an annual fee of ${card_annual_Fee}. This fee can be a downside, especially if you are not a frequent user of the card. It's important to weigh the benefits against this cost to determine if the card is worth it for you.

Limited Benefits

The BNZ Advantage Visa Business Credit Card does not offer many extra perks such as travel insurance.

Personal Liability card

The BNZ Advantage Visa Business Credit Card is a personal liability card designed for a business owner’s use and is limited to only 1 extra cardholder.

Is the BNZ Advantage Visa Business Credit Card right for my business?

In general, we also recommend comparing all credit cards on our website to help you make an informed decision.

Large business expenditures

If your business has large business expenditure, the BNZ Advantage Visa Business Credit Card can offer a rewarding experience. You can earn points on every dollar spent, which can be redeemed for a variety of rewards, including gift cards and statement credit.

Frequently Asked Questions

What rewards can I earn with the BNZ Advantage Visa Business Credit Card?

You can earn BNZ Points with the BNZ Advantage Visa Business Credit Card.

How can I apply for the BNZ Advantage Visa Business Credit Card?

You can enquire online through the BNZ website or visit a BNZ branch. You'll need to meet certain eligibility criteria and provide necessary documents.

Eligibility Requirements:

Your eligibility for this card would depend on a few criteria listed below. When you apply for a BNZ credit card, BNZ would ask you a few questions about the following criterias to determine your eligibility.

Income
Expenses
Debts
Assets
Savings
Investments

Are you interested in a credit card reward card? Compare ALL Rewards credit cards on our credit card rewards page.

More Info »

Apply Now »

What is the best credit card in New Zealand?

We've been asked this question a lot so we have compiled our pick of the best credit card in NZ but keep in mind that the best credit card for you depends on your personal circumstance and needs. To find the best credit card for you, we recommend that you compare all credit cards in NZ on our website or narrow down your search by popular credit card types as shown below. Use the top menu of the page to select more credit card types.