American Express Business Explorer Credit Card

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

Looking for massive bonus points to earn? Then this new card from American Express could be the card for you and your business. This card comes with a sign up offer of 75,000 Membership Rewards Bonus Points when you apply by 16 January 2024, are approved, and spend a minimum of $3,000 on your new card in the first 3 months from the card approval date.

Points can be transferred to up to 11 airline partner programs: Asia Miles™, Emirates Skywards, Etihad Guest, Hawaiian Airlines, Malaysian Airlines Enrich, Qatar Airlines, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, THAI Royal Orchid Plus and Air New Zealand Airpoints™.

Let’s take a look at the points earn. Earn 2 Membership Rewards points per $1 spent on all purchases except government bodies in Australia where you will earn 1 point per $1 spent. Points are not capped and don’t expire.

What we love...

The card also comes with a reasonable interest rate on purchases at 21.99% p.a. and up to 55 days interest-free to help free up cash flow. Complimentary Travel Insurance (including limited cover related to COVID-19, T&Cs; apply) offers protection for you, your spouse and your dependent children (25 years of age or younger) as well as all your Employee Business Explorer Credit Card Members when you book and pay for your return trip with your Business Explorer Credit Card.

Another interesting extra for business travelers is the card’s special airport lounge access. Cardholders can live it up with two complimentary entries per year to The Centurion® Lounge, located at Sydney and Melbourne International Airports. You must present your American Express Business Explorer Credit Card to gain entry to the lounge.

What’s not so great...

The card doesn’t come with an introductory balance transfer offer. This is only worth considering if you need to transfer an existing business credit card debt from another bank or issuer.

Why should you choose this card?

As a business credit card, the Business Explorer offers plenty of premium features and fantastic bonus points offer that keep on giving. So much value packed in for the $149 annual fee.

There are many options in which you can utilize your Membership Rewards points and benefit your business. You can use your points to pay off business expenses such as your rent, utilities, or even your card’s annual fee. Reward your employees by converting them into Gift Cards from leading local retailers like Coles-Myer, JB Hi-Fi, and Myer. You can also redeem your points for travel - flights, accommodation, or car rental. Transfer your points to a choice of 11 airline partner programs - Asia Miles™, Emirates Skywards, Etihad Guest, Hawaiian Airlines, Malaysian Airlines Enrich, Qatar Airlines, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, THAI Royal Orchid Plus, and Air New Zealand Airpoints™. You can also use your points to pay charges on your statement with Select + Pay with points.

This also comes with smart and advanced financial support tools such as Quicken, Microsoft Excel, and MYOB Integration.

Overall Rating

The American Express Business Explorer Credit Card is a business card with amazing value and premium features. Take advantage of unlimited earning of points with no expiry plus spend them on travel and shopping. This is indeed worth a closer look for you and your business.