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American Express Business Explorer Credit Card
American Express Business Explorer Credit Card

American Express Credit Cards

American Express Business Explorer Credit Card

Updated 1 March 2024

Enjoy the introductory no annual fee offer for the first year, $149 thereafter, when you apply and are approved by 23 July 2024. 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. Offer available to new American Express Card Members only. T&Cs apply.

Points Earn Rate (per $1 spent)

2 points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

N/A

Pros and cons

  • Pay no annual fee in the first year, $149 thereafter. New American Express Card Members only.
  • 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
  • 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 Centurion® Lounge, located at Sydney and Melbourne International Airports
  • Complimentary Domestic and International Travel Insurance (including limited cover related to COVID-19, T&Cs apply).
  • 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™
  • 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 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. about this card.

If you're looking for a credit card without an annual fee for the first year, this new offering from American Express could be the right fit for you and your business. Enjoy the benefits of no annual fee in the initial year ($149 thereafter) when you apply and are approved by 23 July 2024, providing you with cost savings and financial flexibility.

Let’s take a look at the points earn. Earn up to 2 points per dollar with no earning cap and points that never expire, enhancing your business' points accumulation.

What we love...

The card also comes with a reasonable interest rate on purchases at 23.99% 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.

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 23.99% p.a.

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 Up to 99 at no extra cost

Foreign transaction fee 3%

Minimum repayment $30 or 2.5%, whichever is greater (personal & business); N/A (charge cards)

Annual fee the first year $0

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

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 Centurion® 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

  • Pay no annual fee in the first year, $149 thereafter. New American Express Card Members only.
  • 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 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™
  • Choice to use your points to pay charges on your statement with Select + Pay with points
  • Enjoy two complimentary entries per year to The Centurion® Lounge, located at Sydney and Melbourne International Airports
  • Complimentary Domestic and International Travel Insurance (including limited cover related to COVID-19, T&Cs apply).
  • Up to 55 Interest free days on purchases and a fixed credit limit
  • Up to 99 Employee Cards at no additional cost
  • 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

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

Recently Asked Questions

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

21 questions (showing the latest 10 Q&As)

Chris

Chris

1 November 2023
Your page for the 'AMERICAN EXPRESS Business explorer' states 1st year $0 annual fee 1st year, and 75000 bonus pts. On the actual AMEX website, the fee $149 for 1st year. No fee waiver Please confirm your deal includes the $0 annual fee for 1st year if we apply via your website Chris
    Pauline - CreditCard.com.au

    Pauline

    15 November 2023
    Hi Chris, I’m not sure where the information about an annual fee waiver has come from but it’s not on our Amex Business Explorer review that I can see. I wonder if an old version of the web page loaded for you? I apologise for the confusion - this card definitely doesn’t have a fee waiver on it. Thank you for checking!
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