American Express Explorer Credit Card

The American Express Explorer Credit Card is a popular and feature-packed credit card in Australia that offers a range of benefits and rewards to cardholders who are looking to earn points on their spending, enjoy travel perks, and receive purchase and refund protection..

Card Key Features:

• Annual fee: $395 per year
• Points earning: Cardholders can earn 2 Membership Rewards points per dollar spent on eligible purchases, except for government spend in which the earn rate is 1 points per dollar spent.
• Bonus points: Cardholders can earn 120,000* bonus Membership Rewards points when they apply online, are approved, and spend $4,000 on eligible purchases in the first three months. ^{T&Cs apply. New Card Members only1. Offer subject to change without notice.}
• Travel benefits: Cardholders can enjoy complimentary domestic and international travel insurance, as well as access to American Express’ Global Lounge Collection, which includes over 1,200 airport lounges worldwide.
• Shopping benefits: Cardholders can receive up to 90 days of purchase protection, as well as up to $2000 of refund protection per year and $500 per claim with no excess. This card also comes with a smartphone screen insurance benefit.
• $400 Travel Credit: Cardholders can receive a $400 Travel Credit each year, which can be used towards flights, hotels, and car rentals booked through American Express Travel. Additionally, the card offers a smartphone screen insurance benefit, a complimentary membership to the Accor Plus program, and the ability to transfer Membership Rewards points to a range of frequent flyer and hotel loyalty programs.

Best Value:

The American Express Explorer Credit Card offers the best value to cardholders who:

• Spend a significant amount on eligible purchases: The card earns 2 Membership Rewards points per dollar spent on eligible purchases, which can be redeemed for a variety of rewards including travel, gift cards, merchandise, and more.
• Travel frequently: The card offers a range of travel benefits including complimentary domestic and international travel insurance, as well as access to over 1,200 airport lounges worldwide through the Global Lounge Collection.
• Book travel through American Express Travel: Cardholders can receive a $400 Travel Credit each year, which can be used towards flights, hotels, and car rentals booked through American Express Travel.

Pros:

• Points earning: The card earns 2 Membership Rewards points per dollar spent on eligible purchases, except for government spend in which the earn rate is 1 points per dollar spent.
• Bonus points: Huge signup bonus points to kick start your rewards journey.
• Travel benefits: The card offers a range of travel benefits including complimentary domestic and international travel insurance, as well as access to over 1,200 airport lounges worldwide through the Global Lounge Collection.
• Shopping benefits: Cardholders can receive purchase and refund protection, as well as a
• smartphone screen insurance benefit.
• $400 Travel Credit: Cardholders can receive a $400 Travel Credit each year, which can be used towards flights, hotels, and car rentals booked through American Express Travel.

Cons:

• Annual fee: The American Express Explorer Credit Card has an annual fee of $395, which may be a deterrent for some consumers.
• Acceptance: American Express cards are not as widely accepted as Visa or Mastercard, which may limit the card’s usability in some places.
• Interest rates: The card has a purchase interest rate of 21.99% p.a. and a cash advance interest rate of 21.99% p.a., which may be higher than some other credit cards.

In conclusion, the American Express Explorer Credit Card is a great option for consumers who spend a significant amount on eligible purchases and travel frequently. The card offers a range of benefits and rewards, including points earning, bonus points, travel benefits, shopping benefits, and a $400 Travel Credit each year. However, the card does come with an annual fee and higher interest rates compared to some other credit cards. Ultimately, consumers should weigh the benefits and costs of the card to determine if it is the right fit for their spending and lifestyle.

Travel Benefits

The American Express Explorer Credit Card offers a range of travel benefits to cardholders, including:

1. Complimentary domestic and international travel insurance: Cardholders can enjoy peace of mind when traveling with complimentary insurance coverage for medical emergency expenses, trip cancellation or disruption, and other travel inconveniences.
2. Access to American Express’ Global Lounge Collection: The card provides access to over 1,200 airport lounges worldwide through the Global Lounge Collection program, allowing cardholders to relax and refresh before their flights.
3. $400 Travel Credit: Cardholders can receive a $400 Travel Credit each year, which can be used towards flights, hotels, and car rentals booked through American Express Travel.
4. Travel rewards: The card earns 2 Membership Rewards points per dollar spent on eligible purchases, which can be redeemed for travel rewards such as flights, hotel stays, and car rentals.
5. Concierge service: Cardholders can access a 24/7 concierge service that can assist with travel arrangements, such as booking flights, hotels, and restaurants.

Overall, the travel benefits of the American Express Explorer Credit Card can help cardholders save money and enhance their travel experience, whether it’s through insurance coverage, airport lounge access, or travel rewards.

When to Consider getting Amex Explorer Card

There are several reasons why someone may want to consider getting the American Express Explorer Credit Card:

1. Generous rewards program: The card offers 2 Membership Rewards points per dollar spent on eligible purchases, which can be redeemed for a range of rewards, including travel, merchandise, and gift cards.
2. Travel benefits: The card comes with a $400 Travel Credit each year, complimentary travel insurance, and access to over 1,200 airport lounges worldwide through the Global Lounge Collection program.
3. Shopping benefits: The card offers a range of shopping benefits, including purchase protection, extended warranty coverage, and refund protection.
4. Smartphone screen insurance: Cardholders can receive up to $500 towards the cost of repairing or replacing their smartphone screen if it is accidentally damaged.
5. Bonus points: The card offers 120,000 bonus Membership Rewards points when new cardholders spend $4,000 on eligible purchases within the first three months of card membership.

Overall, the American Express Explorer Credit Card can be a great option for those who frequently travel or spend a significant amount on eligible purchases. The card offers a range of benefits and rewards, including travel benefits, shopping benefits, and a generous rewards program, making it a valuable addition to any wallet.

Conclusion

In conclusion, the American Express Explorer Credit Card is a great option for those who are looking for a credit card that offers a range of benefits and rewards. The card’s generous rewards program, travel benefits, shopping benefits, and smartphone screen insurance make it a valuable addition to any wallet.

While the card does come with an annual fee and higher interest rates compared to some other credit cards, the benefits and rewards offered can more than offset these costs for frequent travelers and big spenders.

Ultimately, consumers should carefully consider their spending and lifestyle to determine if the American Express Explorer Credit Card is the right fit for them. However, for those who travel frequently and spend a significant amount on eligible purchases, this card can provide a lot of value and make every purchase and trip more rewarding.

It’s worth noting that American Express cards are not as widely accepted as Visa and Mastercard in Australia, so it may be a good idea to carry a backup card from another provider.

Please click here to read the Key Facts Sheet for this Credit Card

Please note that this offer may not be available or can change if you return later or use a different device. While this offer may disappear, you should take a close look at what is the current offer before applying and note taking credit should be considered carefully. Please do not rush your decision.