Explorer® Credit Card card image
Mini meca 2023

American Express Explorer Credit Card

Advertiser disclosure
Purchase rate
23.99% p.a.
Balance transfer rate
No current offer
Annual fees
$395
Interest free days on purchases
55
Go to site

Mozo editorial review American Express Explorer Credit Card - last updated: 4 April 2024

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What's hot
  • 2022 Credit Card Provider of the Year
  • 2022 Mozo Experts Choice Award winner
  • 2 Membership Rewards Points for every $1 spent
  • Receive 50,000 Points (conditions apply)
  • Receive a $400 Travel Credit each year for online bookings made with the Explorer card.
What's not
  • Bonus points only available for new American Express Card Members
Mozo snapshot

Looking for a credit card to match your travel aspirations? The Explorer could be just the travel companion you’ve been waiting for.  You’ll get $400 travel credit each year to use towards any flight, hotel or car hire, access to the Centurion Lounge at Sydney Airport twice a year and for every dollar you spend you’ll earn up to 2 Membership Rewards points on eligible purchases. Plus, if you're a new Amex Card Member and you apply online, are approved and spend $4,000 on your card within the first three months, you could be eligible for 50,000 Points!

It's no wonder this card took out 2022 Mozo Experts Choice Awards for best Premium Rewards card and best Velocity Frequent Flyer Premium Credit Card. Amex itself also took home the grand prize of 2021 Credit Card Provider of the Year. 


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Key features

Starting off with the credit card basics, the American Express Explorer card has a standard purchase rate of 23.99% p.a. If you pay your balance off in full each month you’ll get up to 55 days interest free. Although, the card can only be used to make purchases online or in person as there is no option to use the credit available for cash withdrawals or cash advances.

The American Express Explorer card is eligible for use with Google Pay, Apple Pay and Samsung Pay, so you don’t even need to carry the physical card with you, but if you are travelling, we highly recommend you take the card just incase your Smartphone goes on the blink.  

There is no points cap on the Explorer card, and to help you accrue rewards faster you can additional Card Members at no extra cost. Just keep in mind they must be above the age of 16 and you’ll be liable for all spending and associated charges including interest on your account. 

There is an $395 annual fee for the card but the premium benefits more than make up for this cost as long as you take advantage of them each year. They include:

Rewards:

 - Transfer your points to a choice of 11 Airline Partner Programs including Singapore, Etihad and Emirates.

 - 2 Membership Rewards points for every dollar spent on all purchases except Australian Government bodies where you’ll earn 1 point per $1 spent.      

Travel

 - $400 annual travel credit through American Express travel. Book travel online for anyone you choose. Credit can go towards flights, hotels, or car hire.

 - Travel inconvenience insurance cover including medical emergency, travel cancellation and amendment cover, baggage and inconvenience insurance for you and your family when you pay for your travel with your card.

Insurance

 - Get up to $500 for screen repairs if you accidentally break your smartphone screen. 10% excess applies.

 - Extend your manufacturer’s warranty by up to 12 months on items purchased with your American Express Explorer card.

 - Purchase cover should your new items purchased with your card be stolen or damaged.

 - Online fraud protection guarantee means you won’t be held responsible for any unauthorised charges made without your knowledge.

As another bonus, new customers who apply online and spent $4,000 on eligible purchases within the first three months could receive 50,000 points. Conditions apply, however, so watch out for the fine print.

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Who is it good for

Like most rewards credit cards, the American Express Explorer is best suited to big spenders that can put the bulk of their expenses on their card but pay the balance off in full each month.

To be eligible for the card you’ll need to be over 18 years of age and have no history or bad debt or payment default. You’ll also need to either be an Australian citizen, permanent resident or hold a long term visa (12 months or more, not including student visas).


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Any catches

While existing American Express customers can transfer to the Explorer card, the 100,000 Bonus Membership Rewards Points offer is only available to new Amex Card Members and bank-issued American Express companion cardholders. Card Members who currently hold or who have previously held any Card product issued by American Express Australia in the preceding 18 month period are ineligible for this offer.

Also, there is a late payment fee of $30 and a $6 dishonour fee.

Rewards program details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

20,000 points

$100 Cash

20,000 points

Points earning

2 points per dollar on Amex, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

Flights available with Virgin, Air New Zealand, Etihad Airways, Singapore Airlines and other partners.

Earn 1 points per $1 spent at government bodies.

Receive a $400 Travel Credit each year booked online with American Express. 2 complimentary lounge entries at the Centurion Lounge at Sydney International Airport.

Special offers

Receive 50,000 bonus Membership Rewards points when you apply online, are approved, and spend $4,000 on eligible purchases on your new Card within the first 3 months. T&Cs apply. New Card Members only.

Value of rewards points

Spend $10,000 (Amex)

Spend $10,000 (Amex)

Spend $7,800 (Amex)

Spend $119,600 (Amex)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

23.99% p.a.

none

No current offer

no

none

55

Fees

$395.00

none

none

none

$30.00

2%, min $2.50

3.00%

$10.00

$7.00

$0.00

Features

$30.00

2.5

up to 4

none

Payment options

Apple Pay, Google Wallet, Samsung Pay

Rewards privileges

Extended Warranty,
Account alerts by SMS,
Card Purchase Cover ,
Travel Inconvenience Cover

Customer Reviews

How are American Express credit cards rated by the Mozo community?

Overall
6.6/10
Price
5.5/10
Features
6.8/10
Customer service
6.7/10
Convenience
5.8/10
Trust
6.9/10
Based on 926 American Express credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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