Date posted: 01/02/2024 5 min read

Our secret to healthy cash flow

The Healthy Chef has earned more than half a million Qantas Points with a business Card that’s helping the brand reach new heights. Brought to you by American Express.

After experiencing various health challenges, The Healthy Chef founder Teresa Cutter noticed there was a gap in the market. “There weren’t any health products that I wanted to take that were high quality, actually good for me and tasted delicious,” she says.

From that single idea, Teresa and her husband, Paul, have spent 10 years developing The Healthy Chef into a multi-million dollar business that has grown by as much as 30% year-on-year and employs seven full-time employees. It now stocks nearly 40 health-related products, from collagen and magnesium supplements to wellbeing-boosting teas.

With the business’s rapid growth came growing pains and a transition between banks prompted the Cutters to sign up for the American Express® Qantas Business Rewards Card to better manage their cash flow.

“We needed something that could stay on top of all our automated and recurring bills like the cost of the website, suppliers and shipping,” says Paul. “The dynamic line of unsecured funding1 on our Card was a really powerful tool.”

The Card has also helped The Healthy Chef accrue more than half a million Qantas Points. The business earns up to 1.25 Qantas Points per $1 spent on everyday business expenses with the American Express Qantas Business Rewards Card – and 2 Qantas Points per $1 spent on Qantas products and services.2

The Cutters reinvest these Qantas Points into the business, using them for Qantas flights to business meetings and in promotion of the brand’s new ventures. “We’re flying all the time, meeting with suppliers and distributors,” says Teresa. “We’ve just released a new book called Simple Healthy Recipes and I’ve been travelling around the country for TV appearances and masterclasses to promote that. It’s an exciting time for our business.”

The key to funding new ideas

The Healthy Chef is self-funded, meaning Teresa and Paul Cutter have had to be smarter about the way they manage their cash. “We’re a family-owned business, we don’t have backers. Knowing we can manage cash flow with up to 51 days to pay for purchases3 on the Card – and toggle investment into the production and marketing of new ideas as needed – is a great feature,” says Paul.

Find out more:

Ready to take your business to new heights? Explore the offers available to your business when you sign up for an American Express Qantas Business Rewards Card. Offers are available to new American Express Card Members only. Learn more at  


Terms and conditions

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 1 February 2024 and is subject to change.  This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085).  Registered Trademark of American Express Company.

1. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records and financial resources known to us.

2. A business must be a Qantas Business Rewards Member to earn Qantas Points for the business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions at Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions at Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee, and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as “utilities” including gas, water and electricity providers; “government” including the Australian Taxation Office, the Australian Postal Corporation, federal, state and local government bodies; and “insurance” excluding insurances offered by American Express. Industry-specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas-branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions at From 10 January 2024, once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.

3. Extend your cash flow by up to 51 days: depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.