Card Details

American Express Business Explorer

Right now and until 7 October 2020, you can reward your business with 100,000 bonus Membership Rewards points and 50,000 bonus points each year (when you spend $100k on your card) with the American Express Business Explorer credit card.

On top of that, you will earn uncapped points on your business expenses into the flexible American Express Membership Rewards program. This means you have flexibility when it comes to redeeming points.

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  • REWARDS PROGRAM

    Membership Rewards

  • ANNUAL FEE

    $395 P.A.

  • EARN RATE

    2 pts per $1 spent uncapped

  • BONUS POINTS

    100,000

Amex Business Explorer Overview

Is your business earning 2 points for every dollar spent? If it isn’t, or if those points aren’t flexible and redeemable with up to 8 airline partners, now is the perfect time to switch. American Express is offering new card members 100,000 bonus points when you spend $3,000 on your new Card within 3 months of your approval date. Offer ends 7 October 2020

Learn More Or Apply

Up to 55 interest free days to pay for your purchases

Interest rate of 16.99% p.a. (or 0% when you pay your balance in full, on time)

What’s the value of 100,000 MR Points?

Membership Reward points translate into 50,000 frequent flyer miles (Singapore Airlines, Cathay Pacific, Marriott Bonvoy to name a few). Points in your MR account don’t expire as long as you’re an American Express member so, in uncertain times like these, it’s considered much safer compared to having points in an airline frequent flyer program.

decor What’s the value of 100,000 MR Points?

Everyday Earn Rate

2 MR points (everyday spend) = 1 frequent flyer points with: Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, Air New Zealand Airpoints ($0.015 Airpoints Dollars), Emirates Skywards, Etihad Guest, Malaysia Airlines Enrich and Thai Airways Royal Orchid Plus.

Government Earn Rate

1 MR points earned per dollar on government providers including the ATO (1= 0.5 frequent flyer points)

Lounge Passes

Relax with 2 entries per calendar year to the American Express Lounge at Sydney International Airport T1 and Melbourne International Airport.

Sign Up Bonus

New American Express Card Members will receive an introductory 100,000 Membership Rewards Bonus Points – apply by 7 October 2020 and spend $3,000 in the first 3 months from the Card approval date.

Points Capping

Uncapped earning potential.

Using Points For Cashback

You will also have the added benefit of using your points to pay for card charges. This works out to 1% cash back on most purchases. To put that in perspective; 100,000 MR points are valued at $500 when you use them to pay off your card.

1,000 MR Points = $5 when used to pay off your charges. Since you earn 2 points per $1, this works out to a rate of 1%

Eligibility Criteria

To be eligible for the American Express Business Explorer credit card, you must be able to say yes to the following:

Learn more or apply via American Express

Business Requirements

Your business must have a valid ABN registered for GST

Business Turnover

Have an annual business revenue of $75,000 or more

Credit Worthiness

Have a good credit history and no payment defaults

Residency Requirements

Be an Australian citizen or a permanent resident

Age Requirements

Be over 18 years of age

Ready to Apply?

Rewards yourself with 100,000 bonus Membership Rewards Points. New American Express Card Members receive 100k bonus Membership Rewards points. Apply by 7 October 2020 and spend $3,000 within 3 months of approval date.

Apply nowic
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Business Explorer Travel Insurance

Of course, this card also comes with a generous amount of travel insurance which covers yourself, direct family and employees that are supplementary card holders for the following:

Read More

Damaged, destroyed, lost or stolen personal baggage, money and documents during your trip

Cover Medical emergency expenses

Delayed flight or missed flight connection

Luggage delay for luggage checked on a scheduled flight

Travel disruption due to the unforeseen and unavoidable cancellation of a trip

Business Explorer VS Personal Explorer Cards

Unlike the non-business Amex Explorer (you can read the review on that card here), the Business Explorer doesn’t come with a $400 travel credit but has some unique benefits tailored to small and medium/large businesses. Instead, your business will earn 50,000 bonus points each year when you spend $100,000 on your business card (that's in addition to the points you would earn on every single dollar).

This business credit card also lets you add up to 99 additional card holders at no extra cost which could skyrocket the point earning potential (use it for work-related expenses instead of reimbursing employees).

On top of that, if your business expenditure is worth more than $100,000 annually, Amex will give you a bonus of 50,000 Membership Rewards points each year (when you meet the annual spend criteria).

Apply Online Via American Express

Other Card Benefits

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Airport Lounge Access

Just like the standard Explorer card, the Business Explorer offers two lounge access passes to the Amex Lounge in Sydney T1 and the Amex Lounge in Melbourne international airport. Unfortunately, the access isn’t extended to the supplementary card holders.

US$100 Hotel Credit & Upgrades

Holding an American Express Business Explorer Card gives you access to The Hotel Collection. This is an exclusive service offering access to over 600 properties worldwide. When you book 2 nights or more at one of these hotels via American Express Travel, you will receive a US$100 hotel credit and upgrade (when available) at participating properties.

Hilton Honors Silver

As a Business Explorer Card member, you get access to free Hilton Honors Silver status. This perk gives you the following benefits when you book a stay direct with Hilton:

• 20% Points earning Bonus on stays Earn free nights faster with 20% Bonus on Base Points you earn on every stay.

• Fifth night free Your fifth night is free when you book a stay with 100% Points.

• Free bottled water Get two free bottles of water when you arrive (at select hotels).

• Elite Rollover Nights Roll over extra nights for a head start on earning next year’s status

50k Bonus Points Each Year

Simply spend $100,000 on your Card every 12 months and receive 50,000 bonus Membership Rewards points (in addition to regular points earn)

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What If Your Supplier Doesn’t Accept Amex?

Amex is working hard on increasing their acceptance rate among retailers and suppliers. Acceptance however is a valid concern business owners have when it comes to using Amex cards for all their purchases.

Introducing Access Line! Access line is a payment facility offered by American Express, exclusively for its business customers. It allows you to pay anyone, anywhere, regardless of what type of cards they accept. Even if the business you’re trying to pay doesn’t accept credit cards, you can use Access Line to facilitate the payment and take advantage of the interest free days on your card.

How much does it cost? Access Line has one of the lowest market rates of 2.15% GST included. Depending on your tax bracket (talk to your accountant), this could be a very lucrative way to pay your suppliers and earn points along the way. After deductions, you are left with a very competitive rate at which you’re essentially “buying points”. Clever business owners can also use this strategy to negotiate early payment discounts with their suppliers. Let’s assume you have extended payment terms with suppliers, propose to them a 1% discount to your invoice if you pay in advance. This means you’re making use of your interest free days with American Express, while also getting valuable MR points.

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Amex Business Explorer: In Conclusion

Amex Explorer is one of the best business points earning credit cards on the market right now. Considering the 100,000 bonus MR points (worth $500), this is an excellent deal if your business is looking to make the switch to American Express.

Keep in mind that this deal is only available through a select number of American Express partners (that’s us!) so if you want to take advantage, you must apply via this page.

Apply online to receive 100,000 bonus Membership Rewards points!

Rewards yourself with 100,000 bonus Membership Rewards Points. New American Express Card Members receive 100,000 bonus Membership Rewards points. Apply by 7 October 2020 and spend $3,000 within 3 months of approval date.

Apply nowic
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  • Bonus Offer 5
  • Annual Fee 4
  • Earn Rate 4
  • Card Features 4

Our Rating

The Amex Business Explorer is a great entry level business card with a nice welcome bonus and access to the most valuable rewards program in Australia. For business users who can't justify the cost of Platinum, the Explorer is the next best thing.

Pros

  • Good sign up offer for new members
  • Access to Membership Rewards
  • 50,000 Bonus Points each year you spend $100k

Cons

  • No travel credit compared to personal Explorer
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  • Bonus Offer 5
  • Annual Fee 4
  • Earn Rate 4
  • Card Features 4