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American Express Business Explorer Credit Card
4.8
Highlights
- Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
- Includes 2 Centurion Lounge passes per year at Sydney and Melbourne airports.
- Receive complimentary travel insurance when you book your return flight with your card.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
American Express
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
N/A
Minimum Age
18 years
Minimum Credit Rating
Fair, Good, Very Good, Excellent
Minimum Income
$75,000.00
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
99
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$3,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2.5%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
N/A
Cash Advance Fee
$2.50
Cash Advance Fee Percentage
2%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
23.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$149.00
Dishonour Fee
$6.00
Duplicate Statement Fee
$10.00
Foreign Exchange Fee Percentage
N/A
Late Payment Fee
$30.00
Rewards
Rewards program basics
Rewards Program
Membership Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
2.00
Government Rewards Points Earn Rate
1
Overseas Rewards Points Earn Rate
2.00
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
N/A
Cardholder's Extended Warranty Insurance
N/A
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
N/A
Cardholder's Purchase Protection Insurance
N/A
Cardholder's Refund Protection
N/A
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
N/A
Complimentary Flight Voucher Included
N/A
Complimentary QFF Membership Included
N/A
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. Add up to 99 additional cardholders for employees at no additional cost.
- Digital wallets. This card can be used with Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. Gambling transactions are not permitted on this card (or any other Amex card).
Rewards and benefits
- Complimentary travel insurance. Cardholders have access to complimentary domestic and international travel insurance covering themselves, their partner, and Card Member employees. The policy is active when the card has been used to pay for trips that start and end in Australia.
- Concierge services. This card gives cardholders access to the American Express concierge service, available 24 / 7 for help with things like travel recommendations, booking travel or reservations, gift ideas, etc.
- Lounge access. Card Members have access to The Centurion® Lounge in Sydney and Melbourne two times each year. Complimentary access for children traveling with the Card Member.
- Rewards points. This credit card earns 2 Membership Rewards Gateway points for every $1 spent on eligible purchases.
- Sign-up bonus. The American Express Business Explorer Credit Card allows you to earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
Rates and fees
- Annual fee. The annual fee on this card is $149 p.a.
- Balance transfers. There is no balance transfer offer for this card.
- Cash advances. Cash advances are not possible with the Business Explorer Credit Card.
- Foreign exchange fee. You will be charged 3% when you make transactions in a foreign currency while overseas or while shopping online at an overseas website.
- Interest-free period. Get up to 55 days interest-free on purchases when you have paid your previous balance in full or made the minimum required payment.
- Purchases. There is no special purchase rate offer on the American Express Business Explorer Credit Card at the moment. The standard rate of 23.99% p.a. will apply to purchases.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Review of American Express Business Explorer Credit Card
Reviewed by david-wagtail-AU
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