- Receive 100,000 bonus Membership Rewards® points when you spend $3,000 on your new card within 3 months of your approval date.
- Receive 50,000 Membership Rewards® Bonus Points per year. Spend $100,000 every 12 months from your Card approval date and receive 50,000 Membership Rewards Bonus Points
- Low interest rate on purchases
- Up to 55 Interest free days
- Earn 2 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent
- Additional card holder free
- Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
- Points are not capped and don’t expire
Pros
Receive 100,000 bonus Membership Rewards® points when you spend $3,000 on your new card within 3 months of your approval date.
Receive 50,000 Membership Rewards® Bonus Points per year. Spend $100,000 every 12 months from your Card approval date and receive 50,000 Membership Rewards Bonus Points
Low interest rate on purchases
Up to 55 Interest free days
Earn 2 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent
Additional card holder free
Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
Points are not capped and don’t expire
Cons
Doesn’t come with an introductory balance transfer offer
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 16.99% p.a. |
| Cash advance rate | N/A |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | $3,000 |
| Maximum credit limit | N/A |
| Fees & repayments | |
| Annual fee | $395 p.a. |
| Additional cardholder fee | Yes up to 99 at no extra cost |
| Cash advance fee | N/A |
| Foreign transaction fee | 3% |
| Minimum repayment | 2.5% or $30. Full closing balance for the Amex Platinum Charge Card |
| Late payment fee | $30 |
| Credit card type | American Express |
| Rewards program | |
| Rewards program |  Amex Membership Rewards |
| Bonus points | 100,000 Amex points |
| Annual points cap | uncapped |
| Bonus points spend criteria | Spend $3,000 in the first three months |
| Earning points with this card | |
| Amex points | 2 points per $1 spent |
| Overseas earn rate | same as standard earn rate |
| Points cap per month | N/A |
| Complimentary insurance | |
| Overseas travel insurance | yes - up to months |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
| Extras | |
| Two entries to the AMEX Lounge at the Sydney or Melbourne International Airport each year | |
| Eligible with Apple Pay, Samsung Pay and Google Pay | |
| 50,000 Business Loyalty Bonus Points annually if your card spend is $100,000 every 12 months |
American Express Business Explorer Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.
The American Express Business Explorer Credit Card
Looking for massive bonus points earn? Then this new card from American Express could be the card for you and your business. This card stands out from other business credit card offers on the market as it allows for an annual bonus loyalty points earn. It means that every 12 months from your Card approval date your business spend $100,000 - you’ll receive 50,000 Membership Rewards Bonus Points. This is on top of the sign up offer of 100,000 bonus Membership Rewards® points when you spend $3,000 on your new card within 3 months of your approval date.
Points can be transferred to up to 8 airline partner programs: Asia Miles™, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, THAI Royal Orchid Plus, Velocity Frequent Flyer and Air New Zealand Airpoints™. 100,000 Membership Rewards Points equates to 75,000 Velocity Points. That's enough Velocity Points for a return Economy Classic Flight Reward from Melbourne to London (From 75,000 Points +$114.71 AUD Taxes, Carrier Charges& Fees)
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.
The annual fee is $395 and may be tax deductible when your Card is used solely for business purposes. Not to mention the value you get for the annual fee.
What we love...
Apart from the obvious bonus points and annual loyalty bonus points, the card comes with a low interest rate on purchases at 16.99% p.a. and up to 55 days interest free to help free up cash flow. Complimentary travel insurance for peace of mind knowing that you’ll have extensive protection for you, your partner, any dependent children under the age of 22 and any employees who have a Supplementary Card when the Card is used to pay for your business travel.
Another interesting extra for business travellers is the card’s special airport lounge access. Cardholders can live it up with two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport.
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 point offers that keeps on giving. So much value packed in for the $395 annual fee.
Overall Rating
The American Express Business Explorer Credit Card is a business card with amazing value and premium features. Well worth a closer look for you and your business.
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American Express Business Explorer Credit Card
Delivering premium rewards with 100,000 bonus Membership Rewards points when you spend $3,000 on your new card within 3 months of your approval date. Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport. Also enjoy 50,000 Membership Rewards® Bonus Points every year when you spend $100,000 on your card every 12 months. Transfer your points to a choice of 8 airline partner programs – Asia Miles™, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, THAI Royal Orchid Plus, Velocity Frequent Flyer and Air New Zealand Airpoints™. You can also use your points to pay charges on your statement with Select + Pay with points.
Key features
- Receive 100,000 bonus Membership Rewards® points when you spend $3,000 on your new card within 3 months of your approval date.
- Receive 50,000 Membership Rewards® Bonus Points per year. Spend $100,000 every 12 months from your Card approval date and receive 50,000 Membership Rewards Bonus Points
- Earn 2 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent
- Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
- Annual fee of $395 p.a.
- Complimentary Travel Insurance when you travel domestically and internationally for your business, you will have peace of mind knowing that you’ll have extensive protection for you, your partner, any dependent children under the age of 22 and any employees who have a Supplementary Card when the Card is used to pay for your business travel.
- Transfer your points to a choice of 8 airline partner programs - Asia Miles™, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, THAI Royal Orchid Plus, Velocity Frequent Flyer and Air New Zealand Airpoints™.
- Choice to use your points to pay charges on your statement with Select + Pay with points
- Eligible for use with Google Pay, Apple Pay and Samsung Pay
- Be over 18 years old
- Good credit and not applied for multiple credit cards recently
- Australian citizen or a permanent resident. Have a valid ABN and your business must be registered for GST.
- Minimum income of $24,000 p.a.
- You have your personal details ready to complete the online application
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4 June 2019Roland
4 June 2019Helen Marchant
20 February 2018Roland
21 February 2018Gerard
2 February 2018Roland
5 February 2018