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100,000 Spend $3,000 in the first 3 months
American Express Business Explorer Credit Card
American Express Business Explorer Credit Card
1 review
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American Express Credit Cards

American Express Business Explorer Credit Card

Updated 30 July 2020

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. 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.

T&Cs apply. Offer ends 7 October 2020

Points Earn Rate (per $1 spent)

2 points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

100,000 pts

Spend $3,000 in the first 3 months

Pros and cons

  • 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
  • Points are not capped and don’t expire
  • Low interest rate on purchases
  • Access up to $50,000 in unsecured credit subject to eligibility criteria
  • 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

  • Doesn’t come with an introductory balance transfer offer

Creditcard.com.au review

Editor Review

American Express Business Explorer Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

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, 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 $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.

Card Members could earn a credit through The Hotel Collection - which they can use to redeem on approved purchases and room upgrades, valued at up to US$100 per visit.

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.

User reviews

American Express Business Explorer Credit Card ( based on 1 Creditcard.com.au user review )

76% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 16.99% p.a.

Cash advance rate N/A

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $3,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $395 p.a.

Additional card holder fee Yes up to 99 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2.5% or $30. Full closing balance for the Amex Platinum Charge Card

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards 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 No

Transit Accident Insurance No

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

50,000 Business Loyalty Bonus Points annually if your card spend is $100,000 every 12 months

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.
  • 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
  • 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
  • Access up to $50,000 in unsecured credit subject to eligibility criteria
  • Up to 55 Interest free days on purchases
  • Up to 99 Employee Cards at no additional cost
  • 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.
  • 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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

4 questions (showing the latest 10 Q&As)

TJ Botha

TJ Botha

3 January 2020
Does American Express Business Explorer Credit Card have the facility to download automatically to XERO accounting package for our day to day reconciliation
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 January 2020
    Hi TJ, yes you can link AMEX credit cards to Xero. I do this myself. Though I am not sure if this is done daily. I would reach out to XERO to confirm this.
Tye

Tye

4 June 2019
Do i still get the bonus points if i have previously owned a private amex card, not business, for which i earned bonus points on?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2019
    Hi Tye, as this is not a personal card, it will be in your businesses name. Therefore I would say you are eligible for the bonus points if your business is a new card holder. If your business has held an AMEX card in the last 18 months then I would say no. The terms itself are not very clear as they seem to just have been ported over from the personal card. Though business and personal cards are totally different. I have copied the terms here. 7D. Offer only available to new American Express Card Members who apply by 3rd July 2019, are approved and spend $3,000 on their new Card in the first 3 months from the Card approval date. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer (cards issued by: Australia New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Australia Bank, Westpac Banking Corporation). 100,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Subject to the Terms and Conditions of the Membership Rewards program available at www.membershiprewards.com.au/termsandconditions. Introductory Membership Rewards Bonus Points may vary dependent on the time of approval.
Helen Marchant

Helen Marchant

20 February 2018
Hi. What penalty is there if you default on your monthly payment on the change card? Whats the best way of ensuring I pay my balance each month?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 February 2018
    Hi Helen, I find paying online through BPAY on my internet banking is the easiest. You can setup a direct debit, whereby any outstanding amount is automatically paid each month for a set bank account. The late payment fee is $30 with AMEX if you dont pay your account on time.
Gerard

Gerard

2 February 2018
on the American Express Business Explorer can transfer the 100,000 membership rewards to your qantas frequent flyer points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 February 2018
    Hi Gerard, you cannot transfer out to Qantas points with this card. There are a stack of different partner airlines. Check out this image which gives you the details of what airlines you can transfer to and what rate.
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