Running a business means every dollar counts. Smart spending maximizes every opportunity, including how you manage expenses with RewardPay business points.
Leveraging tools like RewardPay gives your business an advantage. This information could change how you see business expenses.
Making the Most of RewardPay Business Points
RewardPay lets you earn substantial reward points on business spending with an American Express card. These points add real value, turning expenses into travel, merchandise, or statement credits.

This reduces the cost of necessary expenses. Choosing the right American Express card maximizes your RewardPay business points.
Different cards offer varying points multipliers and benefits. Selecting wisely is crucial.
Maximizing RewardPay Business Points with the Right Amex Card
RewardPay turns business expenses into opportunities. Your Amex card choice matters with RewardPay.
With $50,000 in monthly business expenses through RewardPay, a card earning 1.5 points per dollar (like the American Express Business Explorer or Qantas Ultimate American Express) nets you 900,000 annual points. Factoring in the RewardPay surcharge and its tax deductibility (assuming a 30% company tax rate), the net cost is about 1.68%, or around $10,080.
That covers multiple business class trips to Europe annually for you or your team. This makes for a worthwhile investment.
Top Amex Cards for RewardPay Business Points
Which cards yield top rewards? Let’s take a look.
American Express Card | Earn Rate per $ Spend | Cents per Point (with RewardPay) |
Business Accelerator | 2 MR Ascent points | 1.2c |
Explorer | 2 MR Gateway points | 1.6c |
Business Explorer | 2 MR Gateway points | 1.6c |
Qantas Ultimate | 1.5 Qantas Points | 1.6c |
Qantas Business Rewards | 1.25 Qantas Points | 1.92c |
The American Express Business Accelerator offers 2 Membership Rewards Ascent points per dollar on up to $50,000 annual spend. This equates to 2 frequent flyer points per dollar spent and points at just 1.2 cents each with RewardPay.
For unrestricted earning, the American Express Explorer and Business Explorer offer 2 Membership Rewards Gateway points per dollar, equaling 1.5 frequent flyer points per dollar. These are great all-around picks.

The Qantas Ultimate American Express provides 1.5 Qantas points per dollar, uncapped, resulting in points at 1.6 cents each using RewardPay.
The Qantas Business Rewards American Express gives you 1.25 Qantas points per dollar (uncapped) deposited into your Qantas Business Rewards account. This gives you flexibility.
Points are valued at 1.92 cents each with RewardPay. Consider additional cash flow impacts as well.
Not every American Express card benefits from RewardPay. Cards like the Westpac Altitude Black are unusable for business point accrual.
We excluded cards earning 1 point or less per dollar via RewardPay. The points become too costly with diminished returns. Maximize points earn with the right strategy.
Is RewardPay Right for Your Business?
RewardPay can boost point balances. However, remember to redeem points for travel or perks that offset RewardPay surcharge costs.
The perfect card depends on your spending, goals, and preferences. Evaluate the membership rewards programs available.
Don’t chase minor point improvements if they create friction. Give RewardPay a try. It might transform your business. Take advantage of early payment discounts if available.

We’ve explored RewardPay business points. Optimizing business spending and rewards begins with choosing the right Amex card. This transforms routine business expenses into opportunities.
Profitable expenses contribute to long-term success. Re-evaluate your strategy as your business evolves. Consider additional cash flow impacts as well. Early payment can offer discounts for some purchases. Pay rewardpay bills strategically for maximum impact. Don’t blindly follow the rewards programs; understand them before applying their terms and conditions.