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points over 12 months Calculate your savings icon

Earn rate per $1

2 points
16.77% Complete (success)
Amex Membership Rewards

Bonus points

100,000 points
100,000% Complete (success)

Annual fee

$0 first year
0% Complete (success)
then $395

Pros

Get an introductory 100,000 bonus points when you apply and are accepted by 3 July 2019, and spend $3,000 in your first three months

Low interest rate on purchases

Pay no annual fee the first year

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

Business Loyalty Bonus - 50,000 Bonus Points annually. Conditions apply

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

American Express Business Explorer Credit Card

Delivering premium rewards with 100,000 Membership Rewards® Bonus Points when you apply online and are accepted by 3 July 2019, and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders. Pay no annual fee the first year, $395 p.a. thereafter. Complimentary Travel Insurance, Get 50,000 Membership Rewards Bonus Points when you spend $100,000 every 12 months from your Card approval date. 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, 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. Offer ends 3 July 2019.

Key features

  • Receive 100,000 Membership Rewards® Bonus Points when you apply online and are accepted by 3 July 2019, and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders.
  • Business Loyalty Bonus - 50,000 Bonus Points annually. 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
  • Pay no annual fee the fisrt year. Ongoing 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
100% of customers who have rated this card would recommend it
  • Rates
    83%
  • Fees
    39%
  • Rewards
    87%
  • Customer Service
    95%
  • Value
    76%
Overall user rating 76%
1 reviews
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.
Annual fee first year $0
Additional cardholder fee Yes up to 99 at no extra cost
Cash advance fee N/A
Foreign transaction fee 3%
Minimum repayment 2.5%
Late payment fee $30
Credit card type American Express
Rewards program
Rewards program Amex Membership Rewards Amex Membership Rewards
Bonus points 100,000 Amex points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 in first 3 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

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. On top of the 100,000 Membership Rewards Bonus Points, 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.

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.

Pay no annual fee the first year. The ongoing 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. Offer ends 3 July 2019.

2 questions (showing the latest 10 Q&As)

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.
  • 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
American Express Business Explorer Credit Card
American Express Business Explorer Credit Card

American Express Credit Cards

American Express Business Explorer Credit Card

Updated 9 May 2019

Apply by 3 July 2019

Points Earn Rate (per $1 spent)

2

points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

100,000 pts

Spend $3,000 in first 3 months

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Get an introductory 100,000 bonus points when you apply and are accepted by 3 July 2019, and spend $3,000 in your first three months
  • Low interest rate on purchases
  • Pay no annual fee the first year
  • 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
  • Business Loyalty Bonus - 50,000 Bonus Points annually. Conditions apply
  • 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

  • Doesn’t come with an introductory balance transfer offer

Creditcard.com.au review

Editor Review

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. On top of the 100,000 Membership Rewards Bonus Points, 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.

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.

Pay no annual fee the first year. The ongoing 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. Offer ends 3 July 2019.

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 on purchases up to 55 days

Credit limits

Minimum credit limt $3,000

Maximum credit limit N/A

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%

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 100,000 Amex points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in first 3 months

Earning points with this card

Amex pointsAmex points 2 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes

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

Overview

American Express Business Explorer Credit Card

Delivering premium rewards with 100,000 Membership Rewards® Bonus Points when you apply online and are accepted by 3 July 2019, and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders. Pay no annual fee the first year, $395 p.a. thereafter. Complimentary Travel Insurance, Get 50,000 Membership Rewards Bonus Points when you spend $100,000 every 12 months from your Card approval date. 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, 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. Offer ends 3 July 2019.

Key features

  • Receive 100,000 Membership Rewards® Bonus Points when you apply online and are accepted by 3 July 2019, and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders.
  • Business Loyalty Bonus - 50,000 Bonus Points annually. 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
  • Pay no annual fee the fisrt year. Ongoing 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

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 $24,000 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.

2 questions (showing the latest 10 Q&As)

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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