Best Business Credit Cards NZ 2025 | Compare Business Rewards

Business Credit Cards Guide

Key Benefits:

Separate business expenses
Multiple employee cards
Expense management tools
Business rewards programs

Why Choose a Business Credit Card?

Business credit cards offer specialized features for company expenses, from detailed reporting to employee spending controls and business-specific rewards.

Compare Business Credit Cards

Card	Annual Fee	Interest Rate	Key Features
ANZ Business One	$75	18.95%	Free additional cards Expense reporting Purchase protection
BNZ Advantage Business	$125	16.95%	Rewards program Travel insurance Xero integration
ASB Business Rewards	$95	17.95%	Flexible rewards Expense controls Business insurance

Calculate Business Rewards

Rewards Calculator

Monthly Spend

NZD

Rewards Rate

Annual Fee

NZD

Annual Rewards Value

Total Rewards

$240

Net Rewards

$90

Effective Rate

0.38%

Tips

• Higher spend justifies higher annual fees
• Consider bonus point offers
• Check point redemption values

Key Features to Consider

Expense Management

Detailed statements
Spending categories
Employee cards
Spending limits

Business Benefits

Accounting software integration
Business insurance
Travel perks
Purchase protection

Business Card Tips

Set clear spending policies
Monitor employee cards
Use expense categories
Track tax deductions
Review statements monthly

Common Questions

Can I get additional cards for employees?

Most business cards offer additional cards for employees, often with individual spending limits and controls.

How does liability work?

Business credit cards typically hold the business owner personally liable for all charges, including those made by employees.

What accounting features are available?

Many cards offer integration with accounting software, detailed transaction data, and expense categorization.

Frequently Asked Questions

Business credit cards offer specialized features like employee cards, expense management tools, business-specific rewards, and integration with accounting software. They often have higher credit limits and different liability structures.

You'll typically need business registration documents, financial statements, tax returns, and proof of business income. Some cards may also require personal financial information from the business owner.

Yes, but requirements vary by provider. New businesses may need to meet minimum revenue requirements or provide personal guarantees. Some cards are specifically designed for startups.

The business owner is typically responsible for all charges made on employee cards. However, you can set individual spending limits and restrictions for each card to manage risk.

While business cards create a separate credit history for your business, many providers report to personal credit bureaus as well, especially if you provide a personal guarantee.