The American Express Corporate Card Employee Application Individual Liability - New Zealand 2025

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With Corporate liability the Company is liable for all charges incurred. However, the Company and Card Members are not liable for any unauthorised use of the Card.
Collections: After a given series of missed payments, a credit card company may sell the associated account to a debt collection agency. This agency could then contact the account holder to collect payment. Collections may also show up on your credit report and have the potential to impact your score.
With an individual liability corporate card, the employee must make payments directly to the issuer for all transactions they make on the account.
Approval is subject to your credit score, not having any serious delinquency or default on your credit report, our experience with you as an American Express customer (if any), fraud review, and other eligibility requirements.
Personal liability Its ideal for small businesses (including sole traders and partnerships) where the business owner takes personal responsibility for the balance owing on the credit card account.
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Corporate credit cards Some issuers may run a personal credit inquiry if a corporate card is being issued to you specifically, which could lead to a small and temporary hit to your personal credit score. However, the companys corporate card activity will likely not impact your personal credit score.
AT Hop (Auckland Transport), rental car firms Avis, Budget and Hertz, and online booking sites such as Expedia, Hotels.com, Tripadeal and Wotif.com. UBER also accepts Amex. Duty-free shops such as JR Duty Free accept Amex, as do all major hotel chains in New Zealand and around the world.

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