- Receive 50,000 Membership Rewards Bonus Points when you apply and spend $3,000 on your new card within 3 months of your approval date. 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
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American Express Credit Cards
American Express Business Explorer Credit Card
Updated 7 November 2024
Delivering premium rewards with 50,000 Membership Rewards Bonus Points when you apply and spend a minimum of $3,000 on your new card within the first 3 months of approval. Two complimentary entries per year to The Centurion® Lounge, located at Sydney and Melbourne International Airports. 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
AmexRewards Program
Amex Membership Rewards
Bonus Points
50,000 pts
Spend $3,000 in 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 9 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 50,000 Membership Rewards Bonus Points when you apply 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 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™.
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.
There are many options in which you can utilize your Membership Rewards points and benefit your business. You can use your points to pay off business expenses such as your rent, utilities, or even your card’s annual fee. Reward your employees by converting them into Gift Cards from leading local retailers like Coles-Myer, JB Hi-Fi, and Myer. You can also redeem your points for travel - flights, accommodation, or car rental. 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™. You can also use your points to pay charges on your statement with Select + Pay with points.
This also comes with smart and advanced financial support tools such as Quicken, Microsoft Excel, and MYOB Integration.
Overall Rating
The American Express Business Explorer Credit Card is a business card with amazing value and premium features. Take advantage of unlimited earning of points with no expiry plus spend them on travel and shopping. This is indeed worth a closer look for you and your business.
User reviews
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)
Cash advance fee N/A
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Amex Membership Rewards
Bonus points 50,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 in 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
Travel insurance underwritten by Chubb Insurance Australia Limited
Eligible with Apple Pay, Samsung Pay and Google Pay
Two entries to The Centurion® Lounge at the Sydney or Melbourne International Airport each year
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 50,000 Membership Rewards Bonus Points when you apply and spend $3,000 on your new card within 3 months of your approval date. 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 is a personal finance expert at CreditCard.com.au, with 9 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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Chris
1 November 2023Pauline
15 November 2023