American Express Explorer Credit Card
$395 first year annual fee
100,000 points
2.00 points per dollar
Spend $4,000 in 90 days
Summary
Premium
Key Highlights
- • 100,000 bonus points
- • $395 annual fee
- • 2.00x points per $1
Offer Details
Signup Bonus
100,000 points
American Express
Minimum Spend
$4,000
within 3 months
Cash Bonus
$400Travel Credit
Offer Expires
December 2, 2025
in 3 months
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
Travel Insurance
Complimentary domestic & international travel insurance when you purchase a return trip on your Card, covering medical emergencies, cancellations, and COVID-19.
Lounge Access
Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport.
No Additional Cardholder Fee
No additional cardholder fee for up to 4 family members.
Hotel Benefits
Receive up to US$100 hotel credit and room upgrade at select hotels in The Hotel Collection when booking two consecutive nights. You will receive $1 for each dollar spent on dining, spa and resort activities, up to USD100
Extended Warranty Insurance
Extends the manufacturer's warranty by up to 12 months on eligible items purchased with the Card.
Purchase Protection Insurance
Covers replacement of eligible items purchased on the Card.
Digital Wallet Integration
Use your Card securely around the world and check out with Apple Pay, Samsung Pay, and Google Pay.
Installment Plans
Plan It™ Instalments offers a flexible way to pay off transactions in equal monthly instalments with a fixed monthly fee.
Expert Analysis
Bonus 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 or Melbourne International Airports
RWRDS Insight
This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.
I'd like to use my 108,000 bonus points for:
$540 of profit after meeting spend requirements
+ $535 Coles gift cards
+ $400 travel credit extra bonus
- $395
annual fee
$500
x 1
$25
x 1
$10
x 1
in Coles gift cards, $535 total, with 1,000 points remaining.
History
14/07/2025
3 changes
Successfully Scraped At:
14/07/202527/08/2025
Expiration Date:
01/07/202502/12/2025
Bonus:
75,000100,000
05/07/2025
2 changes
Successfully Scraped At:
14/07/2025
Expiration Date:
01/07/202501/07/2025
08/06/2025
2 changes
Lounge Pass:
Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney Inte...Two complimentary entries per calendar year to The Centurion Lounge at Sydney or...
Expiration Date:
01/07/202501/07/2025
26/05/2025
3 changes
Expiration Date:
08/04/202501/07/2025
Interest Rate:
023.99
Bonus:
110,00075,000
30/04/2025
2 changes
Expiration Date:
08/04/202508/04/2025
Bonus:
100,000110,000
15/01/2025
2 changes
Expiration Date:
08/04/2025
Bonus:
50,000100,000
- 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 50K2 years ago
- Expiration changed from undefined to 31/12/232 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 50k3 years ago
- Bonus reduced from 100k to 70k, spend reduced from $4k to $3k3 years ago
- Bonus reduced from 150,000 to 100,000 and spend requirement increased from $3000 to $40004 years ago
- Bonus increased from 100,000 to 150,00 and spend requirement dropped from $4000 to $30004 years ago
- Bonus reduced from 240,000 to 100,000 and spend requirements increased from $3000 to $40004 years ago
Other offers for this card
