American Express Explorer Credit Card
The American Express Explorer Credit Card offers a range of benefits including Membership Rewards Points earned on eligible purchases, complimentary travel insurance, American Express Lounge invitiations, a $400 Travel Credit each year.
Updated 8 May 2025
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The American Express Explorer credit card is one of American Express' Membership Rewards products. Featuring a relatively high points earn rate which is American Express' highest and uncapped, the card provides American Express's high quality service benefits. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 1% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has a $395 annual fee, including up to 55 interest free days.
Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include no additional cardholder fees and an annual $400 Travel Credit. Please note, that commonly in the Australian market, acceptance of American Express cards for payment in comparison to Visa and Mastercard isn’t as broad. Also, there is a greater level of merchant surcharging on American Express cards in comparison to Visa and Mastercard, noting that Visa and Mastercard can also attract surcharging by some merchants.
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Earn Membership Rewards Points
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2points per $1 spent
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$395 annual account fee
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No additional cardholder fee
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Up to 4 additional cardholders
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3.00% international transaction fee
Other fees may apply.
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23.99% p.a. variable purchase rate
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Up to 55 interest free days on purchases
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$400 Travel Credit each year
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Domestic and International Travel Insurance
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Transport Accident Cover
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Smartphone Screen Cover
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Purchase Protection Cover
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Refund Protection Cover
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Buyer's Advantage Cover
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Loss Damage Waiver Cover
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2 x American Express Lounge invitiations each year
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the American Express website.