Topic
Business credit cards in NZ — earn rates, supplementary cards, GST
Business credit cards are issued to a registered company (sole-trader, partnership, or limited) and typically allow multiple supplementary cards under one account. Mechanical comparison below — every fee sourced from each issuer's Conditions of Use.
Snapshot generated Invalid Date · 3 matching cards · CCCFA-safe (no rankings, no "best for X" claims).
| Card | Annual fee | Supplementary card | Purchase APR | Rewards mechanic | |
|---|---|---|---|---|---|
| ANZ Business One Rewards Visa ANZ | — | — | — | Two reward options available: (1) Airpoints Dollars earned on eligible purchases credited monthly to Airpoints for Business Account; (2) CashBack Rewards at $1 per $90 spent on eligible purchases, credited annually to the card account. | View → |
| ASB Business Platinum Mastercard ASB Bank | — | — | — | — | View → |
| BNZ Business Mastercard BNZ | — | — | — | — | View → |
Eligibility
Business cards require an NZ-registered business entity (NZBN). The directors / sole trader typically need to provide personal guarantees. CCCFA still applies to most consumer credit; the corporate-credit carve-out applies only to genuinely-corporate facilities — most small-business cards are CCCFA-covered.
Supplementary card features
Most business cards allow multiple staff/contractor supplementary cards under one primary account, often with per-card spending limits set by the primary cardholder. The per-card review surfaces the supplementary-card fee and any limits.
GST treatment
Business credit card rewards may have GST implications depending on use — consult an accountant. Annual fees are typically deductible business expenses if the card is used predominantly for business.
Frequently asked questions
Does the company's credit score matter, or my personal one?
For small-business cards, both — directors typically provide personal guarantees, so the issuer assesses personal credit history too. Larger corporate facilities may rely on company-level credit assessment only.
Can sole traders apply for business cards?
Yes. Sole traders with an NZBN can apply. The personal-vs-business credit assessment usually folds together.
Are business-card rewards taxable?
Possibly — depends on use. Consult an accountant. The IRD has guidance on credit-card rewards earned on business spend.
Methodology & source-tier system
Every fact carries a source-tier badge: A = verbatim issuer T&C PDF · B = issuer website · C = editorial registry · D = third-party.
This page is informational only — not financial advice. Approval, credit limit, and pricing decisions sit with each issuer under CCCFA and the Responsible Lending Code.