Should I get the American Express Explorer Business Card?
Receive 110,000 bonus Membership Rewards® Points
when you apply online, are approved and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. New American Express Card Members only.
Amex Explorer Business Card Overview
Annual Fee
$249
Bonus Offer
$0 annual fee for the first year
Points Earn Rate
2 points per $1 spend on everyday spend
Rewards Program
Membership Rewards
Cash Flow
Up to 55 days interest free
Interest Rate
23.99% p.a. on purchases
Benefits of the Amex Explorer Business Card
Extend your cash flow for an additional 55 days:
Provide your business some extra breathing room with up to 55 interest-free days to support financial flexibility.
Monitor employee expenses for greater oversight:
Access real-time information, and optimise your cash flow by consolidating all employee spending into one Account with up to 99 complimentary Employee Cards. As these cards earn points at the same rate as your Primary Card, you’ll also boost your business’ points accumulation.
Streamlined and automated reporting capabilities:
Effortlessly consolidate your financial statements and streamline your business’ reconciliation and reporting processes with direct streams from your Card Accounts into Quicken™, Microsoft® Excel, and MYOB®.
Access convenient mobile control with the American Express® App:
Track business spending and activity, receive benefits and 24/7 live support, redeem points, and manage your Account anywhere with Live Chat Service.
Seamless payment options with your smart device:
Store your Explorer Business Card in your digital wallet with Apple Pay®, Samsung Pay®, or Google Pay®, and pay using your mobile.
Fast card replacement:
If you have lost your card, American Express can often replace the card within 48 hours.
Access greater protection with world-class anti-fraud protocols:
Protect your business from unauthorised transactions with American Express’ liability coverage for unauthorised transactions and worldwide fraud detection.
Earn 2 Points per dollar:
Accumulate more points for your business with 2 points per $1 spent on eligible purchases.
Convert points to offset business expenses:
Transfer points to pay off business expenses such as rent or utilities. You are also able to pay down the balance on your Card using Points for Credit.
Travel on points:
The points you earn from your Explorer Business Card can be transferred directly to book flights, accommodation or car rental with Webjet, helloworld, or the American Express Travel Online booking Service.
Redeem Points with Partners:
Leading airline and hotel partners, including Virgin Australia, Air New Zealand, and Hilton Honors, are available for transferring your points as well.
Purchase Gift Cards with Points:
Reward yourself, employees, or clients by converting your points into Gift Cards from leading retailers like Apple, Ikea, JB Hi-Fi, and more.
Turn Points into purchases:
Use your points, either alone or in combination with card payment, to shop online at PayPal, MYER, and other participating merchants.
Get comfortable with Lounge Access:
Make your business travel stress-free and enjoy the convenience of two annual Centurion® Lounge passes at Sydney and Melbourne airports.
Access complimentary travel insurance for your journeys:
When you use your American Express Business Explorer Credit Card to pay for your return trip, you and your spouse, along with your Employee Card Members, receive complimentary Domestic and International Travel Insurance.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).
ENJOY A $0 ANNUAL FEE
Receive 110,000 bonus Membership Rewards® Points
when you apply online, are approved and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. New American Express Card Members only.
How do I earn and redeem my Points?
Redeem your points directly for flights, accommodation, or car rental through Webjet, helloworld, or the American Express Travel Online booking Service. You also have the option to transfer your points to top airline and hotel partners, such as Virgin Australia, Air New Zealand, and Hilton Honors.
Or, redeem your points and turn them points into Gift Cards from leading retailers like Apple, Ikea, JB Hi-Fi and more to reward employees, clients or yourself.
Unlock a fool-proof method to earning full, uncapped (2 points) on every bill payment (including government transactions like ATO and superannuation) when you pay through the Sniip mobile app. Learn how today.
Is this card right for me?
The below conditions are required to apply for the American Express Explorer Business Card.
You’ll need the following information when applying for the American Express Explorer Business Card:
Compare credit cards
Access our free Amex Card Comparison Tool that allows you to compare:
- Annual fees
- Earn rates
- Unique perks
- Exclusive offers
The Tool empowers you to easily compare credit cards side by side to uncover the card that caters best to your unique needs. We take the heavy lifting out of the research and only list the best deals that are worth your while.
Frequently Asked Questions
Most credit cards offer an interest-free period ranging from 44 to 55 days. If you settle the entire balance before this period ends, no interest is accrued. Yet, failing to clear the full balance results in interest charges. Therefore, it’s crucial to monitor statements and settle the full amount before the interest-free period expires.
Redeem points directly on flights, accommodation, and car rental with American Express Travel online booking service, as well as Webjet and helloworld. Or transfer points to your choice of 12 world-class airline partners including Qantas, Virgin Australia, and Air New Zealand where you can use them for flights and upgrades.
The minimum income required to apply for an American Express Business Card varies from card-to-card.
- American Express Platinum Business Card: $XYZ
- American Express Qantas Business Rewards Card: $XYZ
- American Express Business Explorer Card: $XYZ
- American Express Velocity Business Card: $XYZ
Please note: these amounts are an estimation and the actual requirement may vary based on the economic climate and American Express’s lending criteria.
When you’ve applied for credit or a loan, a credit report detailing your financial history is created.
You’re entitled to receive a copy of your credit report every three months for free.
Included in your credit report is your credit rating, indicating the category your credit score falls into (e.g., low, fair, good, very good, excellent).
Accessing your report online typically takes one to two days. Alternatively, you may wait up to ten days to receive it via email or mail.
To obtain your free credit report, reach out to the following credit reporting agencies:
- Experian: 1300 783 684
- illion: 132 333
- Equifax: 138 332
As the information held by different agencies may vary, you may have credit reports with more than one agency.
Maximise and accelerate your points earn by paying all your bills through the Sniip mobile app. Earn 2.25 points on everyday purchases, and on all your bill payments (including ATO, land tax, insurance, superannuation, and more) when you pay through Sniip with your American Express card.
Sniip processes your transaction as a two-legged transaction. When you use a rewards credit card, you will earn points on the first leg of the transaction (payment into the Sniip Trust account) even if Amex isn’t accepted by your biller, and even if you’d earn reduced points / no points if you pay the biller directly (for example government billers).
Sniip will make payments via BPAY on the second leg of the transaction and this utilises the BPAY Scheme.
This process allows you to earn full points on all of your bills which is a big reason why our users love Sniip so much.
Sign up for Sniip for free today, and start earning uncapped points on every single bill payment!
Disclaimer:
Please note that the information provided here is for general informational purposes only and may not always reflect the most accurate or up-to-date details. We strongly advise users to refer to the official American Express website for the latest and most precise information regarding products, services, terms, and conditions. While we strive to ensure the accuracy of the information presented, we cannot guarantee its completeness or timeliness. Any reliance you place on the information provided here is strictly at your own risk. We encourage you to verify all information directly with American Express before making any decisions or taking any actions based on the information provided.
