- Receive 100,000 bonus Membership Rewards® points when you spend $3,000 on your new card within 3 months of your approval date
- Introductory interest rate of 3.99% p.a. on new purchases for the first 6 months, 19.99% p.a. thereafter
- Earn 2 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent
- Points are not capped and don’t expire
- Low interest rate on purchases
- Up to 55 Interest free days on purchases
- Up to 99 Employee Cards at no additional cost
- Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
- 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, Virgin Atlantic Flying Club, THAI Royal Orchid Plus 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
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American Express Credit Cards
American Express Business Explorer Credit Card
Updated 14 January 2022
Delivering premium rewards with 100,000 bonus Membership Rewards points when you spend a minimum of $3,000 on your new card in the first 3 months from the card approval date. Enjoy the introductory interest rate of 3.99% p.a. on new purchases for the first 6 months, 19.99% p.a. thereafter. Two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport. Up to 99 employee cards at no extra cost.
T&Cs apply. Offer ends 6 April 2022
Points Earn Rate (per $1 spent)
2 points
AmexRewards Program
Amex Membership Rewards
Bonus Points
100,000 pts
Spend $3,000 in the first 3 months
Pros and cons
- Doesn’t come with balance transfer offer
Creditcard.com.au review
Editor Review
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 100,000 bonus Membership Rewards® points when you apply by 6 April 2022, 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 8 airline partner programs: Asia Miles™, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, 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.
The annual fee is $149 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, the card comes with a low interest rate on purchases at 19.99% p.a. and up to 55 days interest free to help free up cash flow. Currently, it offers to new card members an introductory interest rate of 3.99% p.a. on purchases for the first 6 months. 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 keep on giving. So much value packed in for the $149 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.
User reviews
Rates and fees
Interest rates
Purchase rate 19.99% p.a.
Introductory purchase rate 3.99% p.a. for 6 months
Cash advance rate N/A
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $3,000
Maximum credit limit N/A
Fees & repayments
Annual fee $149 p.a.
Additional cardholder fee Yes up to 99 at no extra cost
Foreign transaction fee 3%
Minimum repayment $30 or 2.5% (whichever is greater)
Cash advance fee N/A
Late payment fee $30
Rewards and points
Rewards program
Rewards Program 
Amex Membership Rewards
Bonus points 100,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 in the first 3 months
Earning points with this card
Amex Rewards points 2 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance 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
Overview
American Express Business Explorer Credit Card
Transfer your points to a choice of 8 airline partner programs – Asia Miles™, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, 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.
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
- Introductory interest rate of 3.99% p.a. on new purchases for the first 6 months, 19.99% p.a. thereafter
- Earn 2 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent
- Transfer your points to a choice of 8 airline partner programs - Asia Miles™, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, THAI Royal Orchid Plus and Air New Zealand Airpoints™
- Choice to use your points to pay charges on your statement with Select + Pay with points
- Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
- 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
- Up to 55 Interest free days on purchases
- Up to 99 Employee Cards at no additional cost
- Annual fee of $149 p.a.
- Eligible for use with Google Pay, Apple Pay and Samsung Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have 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 $75,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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