Is an Amex worth it to pay your supplier?

Our members pay zero fees on Amex

Type in your spend.
See what you're leaving on the table.

Your numbers

Type in your supplier spend

a month

Change how points are valued

Amex point (cents)Qantas point (cents)Velocity point (cents)

Amex on its own$0back a yearWith CSD Group$0back a yearSee the breakdown ↓

What you get back

Real dollars a year, after fees.

Amex on its own

back a year

Amex plus CSD Group

back a year

Where's the extra from?

Amex points, after card fee$0

Pricing savings (4%)$0

SparkyPlus points$0

CSD loyalty reward$0

Membership fee-$240

That's $0 more a year with CSD

Estimates only.

Why pay with Amex

Zero card feesWith our preferred supplier. We'll help you set up.

Free up supplier creditClear your account any time, so there's room for your big months.

Better cash flowSupplier paid on time, but your cash stays in the bank up to 51 extra days.

Free flightsPoints on the gear you already buy.

Travel insuranceWhen you book trips on the card.

Keep your bankAmex sits beside your ANZ, NAB or CommBank.

Unlock your best card. Get $100.

Which card wins for your spend? Leave your details and we'll tell you. No obligation.

$100 on your CSD Mastercard with a new Amex.

Your best cardLocked

1Interest
2Your details
3Your business

What are you most interested in?

Most backBothAmex and CSD membershipJust AmexTo pay my supplierI have AmexTell me about CSD membership

How we work it out, and the fine print

We compare Platinum Business, Business Gold Plus, Qantas Business Rewards and Velocity Business and show the best result after its annual fee. Rates are from American Express Australia, October 2026, and can change. Point values are estimates and welcome bonuses aren't included. Assumes you pay our preferred supplier, which charges no card fees.

The CSD column is a minimum: a conservative 4% pricing saving (needs an account with our preferred supplier), SparkyPlus at 1 point per $1 valued at $0.0075, and a 0.37% loyalty reward from $5,000 a month, less the $240 Small Dog fee. The $100 is for new Amex cards set up through us, paid to your CSD Mastercard once approved and used on your supplier account, which can take up to 3 months. Existing Amex cardholders may not be eligible. Rough guide only, not financial or credit advice.