American Express Explorer Credit Card
Offer Details
Signup Bonus
100,000 points
American Express
Minimum Spend
$4,000
within 3 months
Cash Bonus
Additional Cash Bonus
Offer Expires
December 2, 2025
6 months ago
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
$395
Ongoing Annual Fee
$395
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
- Lounge Access2 visits/year · The Centurion Lounge
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Two complimentary entries per calendar year to The Centurion Lounge at Sydney or Melbourne International Airports; children 17 and under enter free, additional guests may be charged
- Travel Credits
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$400 annual Travel Credit to spend on eligible domestic or international flights, hotels and car hire booked through American Express Travel; valid 365 days from benefit anniversary
- Hotel Benefits
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The Hotel Collection: up to US$100 hotel credit (on dining, spa and resort activities) and a one-category room upgrade when available on bookings of two consecutive nights at select hotels
- Points Transfer Benefits
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Redeem Membership Rewards points with over 10 airline partner programs or Hilton Honors hotel partner; transfers subject to partner program terms
- Installment Plans
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Plan It Instalments lets you pay off transactions or a portion of your balance in equal monthly instalments with no interest but a fixed monthly plan fee
- Interest Free Periods
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Up to 55 interest-free days on purchases when the full closing balance is paid by the due date each month; no interest-free period on balance transfers
- Digital Wallet Integration
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Supports Apple Pay, Samsung Pay and Google Pay
- No Additional Cardholder Fee
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Add Additional Cards for up to 4 family members at no extra fee
- Travel InsuranceUp to $2,500,000 cover · trips up to 180 days
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Complimentary domestic and international travel insurance when the return trip is paid on the Card; covers trip cancellation, medical emergency expenses, baggage and personal accident; cover ends for all trips at 180 days; medical emergency expenses up to $2,500,000 on international return trips
- Purchase Protection Insurance
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Card Purchase Cover: eligible items purchased on the Card covered against theft or damage within 90 days of purchase
- Extended Warranty Insurance
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Buyer's Advantage Cover extends the original Australian manufacturer's warranty (up to an additional 1 year) on eligible items purchased on the Card
- Mobile Phone Insurance
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Smartphone Screen Cover: up to $500 for front screen repairs when the phone is bought outright or the data plan is paid on the Card; 10% excess applies; phones older than 3 years excluded
- Rental Vehicle Insurance
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Loss Damage Waiver Cover up to $100,000 for loss or damage to a rental vehicle hired for less than 31 days and paid on the Card; driver must be aged 21-79; motorcycles, campervans and buses excluded
- Transit Accident Insurance
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Public Transport Accident Cover: up to $300,000 for accidental death or permanent disablement while travelling as a passenger on public transport
Benefit history
- Travel InsuranceUpdated May 2026
- Installment PlansUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Hotel BenefitsUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$44 per day required
First Year Cost
$395
annual fee
Earn Rate
Excellent
●●●●2.00x American Express points per $1
Travel Benefits
Lounge Access
Two complimentary entries per calendar year to The Centurion Lounge at Sydney International Airport or Melbourne International Airport
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- Expiration changed from 31/12/23 to ''2 years ago
- Bonus changed from 70K to 50K2 years ago
- Bonus changed from 50K to 70K2 years ago
- Bonus changed from 70K to 50K3 years ago
- Expiration changed from undefined to 31/12/233 years ago
- Bonus lowered from 85k to 70k3 years ago
- Bonus increased from 70k to 85k3 years ago
- Bonus increased from 50k to 70k, spend increased from $3k to $4k3 years ago
- Bonus lowered from 70k to 50k4 years ago
- Bonus reduced from 100k to 70k, spend reduced from $4k to $3k4 years ago
- Bonus reduced from 150,000 to 100,000 and spend requirement increased from $3000 to $40005 years ago
- Bonus increased from 100,000 to 150,00 and spend requirement dropped from $4000 to $30005 years ago
- Bonus reduced from 240,000 to 100,000 and spend requirements increased from $3000 to $40005 years ago