Key Differences

Benefits of a Commercial Card solution

Commercial Cards vs. Personal Credit Cards

When you ask employees to use personal credit cards for business expenses, they have to juggle corporate and personal expenses on a single card. That can be difficult for employees with limited credit access, such as recent graduates, and it can also make it harder for your company to manage expenses, since spend data is fragmented across multiple cards. It makes much more business sense to make use of a commercial card solution for business expenses to enable your business to better determine spending limits, liability, and billing options, so you'll have more control over employee spending. Plus, a corporate card makes it far easier to track spending and to ensure employees are working with preferred suppliers.

Commercial Cards vs. Cash

When you give employees cash, you're relying exclusively on internal controls to regulate how employees are spending money and whether they're returning unused funds. It can also create additional reimbursement procedures that can take up time and complicate your accounting. Our Commercial Card solutions enable you to define clear spending limits up front and to reimburse only company-approved expenditures. They provide critical documentation for tax purposes, as well as for verifying the accuracy of transactions. Commercial cards also can improve your cash flow by minimising or eliminating the need for cash advances.

Commercial Cards vs. Bank Cards

Expense management is the core business of American Express. By working with the leading provider of Commercial Card solutions, your company can take advantage of a level of expense management experience and expertise that commercial banks simply cannot offer. Your partnership with American Express also enables your company to benefit from our global presence and capabilities. Plus, you can provide employees with the distinctive worldwide service and benefits of American Express Commercial Cardmembership such as Membership Rewards.

Be prudent in managing your finances and maintain good credit

For more enquiries on other fees, please contact us at (02) 2547-3663.

Except for benefits or services for which American Express has disclosed the applicable period and conditions to the Cardmember, American Express may adjust the terms and conditions of card benefits or services on a quarterly basis and notify Cardmembers in accordance with the Cardmember Agreement.

Please refer to the Cardmember brochure or American Express website for full details and terms and conditions governing Cardmember benefits and services.