Updated: 22 Feb, 2026

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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
|---|---|---|---|---|---|---|
![]() The American Express® Gold Business Credit Card
Platinum Award (Business) | Earn 2 Membership Rewards points per $1 dollar spent until 31 August 2026. This will revert to 1 Membership Rewards point per dollar spent thereafter. Receive 50,000 Membership Rewards® Bonus Points1 when you apply, are approved and spend $1,000 on eligible purchases on your new American Express® Gold Business Card within 2 months of your approval date. New American Express Card Members only. You must enrol in the Membership Rewards programme on your Card application to earn points; annual Card fee and annual Membership Rewards fee apply. T&C’s apply. This card also comes with complimentary travel insurance (provided you purchase your airline tickets with your American Express Business Card. T&Cs apply including age limits), business trip completion cover (If a second employee must be sent to complete your business trip due to the seriousness of your injury or illness, Amex will pay your expenses up to $20,000. T&Cs apply) and transport accident cover (if you suffer a serious accident while you’re travelling, Amex will pay certain benefits. T&Cs and exclusions apply (including age limits)). | N/A | N/A | N/A | $95.00 | Up to 50 cash flow days
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![]() The American Express® Gold Rewards Credit Card
Platinum Award (Personal) | Amex's FASTEST earn rate credit card in NZ. Get 2 points per $1 spent with The American Express® Gold Rewards Credit Card. WELCOME OFFER: Get $200 back when you apply, are approved and spend $1,500 in the first 3 months. T&Cs apply. New Card Members only.1 Reward Points Cash Equivalent: $100 spend earns $1.25 cash equivalent^. | 22.95% p.a. | N/A | 22.95% p.a. | $200.00 | 55 days
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Apply Now » No documents required to apply1 |
^ 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 you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.
Gold credit cards are prestigious cards that usually come in the colour gold. These credit cards often come with a lot of benefits such as travel insurance, reward points, buyer protection and much more. Gold cards might suite frequent travellers since it often comes with travel insurance. You may also be interested in other Prestige credit cards
After a Prestige credit card? Prestige credit cards are prestigious cards that usually come in black or gold. These credit cards often come with extensive benefits such as travel lounge access, travel insurance, reward points, buyer protection and much more. Visit our prestige credit cards page to view a list of prestige credit cards.
