Image of American Express Explorer Credit Card Referral Offer credit card

Card

American Express Explorer Credit Card

Offer

American Express Explorer Credit Card Referral Offer

Public offer

Last published terms

Ended. These terms are no longer available.

Unknown publication date

Offer terms history
$395 first year annual fee
110,000 points
2.00 points per dollar
Spend $4,000 in 90 days

This offer is currently unavailable.

Source wording history

Offer terms

PremiumOffer Ended

Signup Bonus

110,000 points

American Express

Minimum Spend

$4,000

within 3 months

Cash Bonus

$400Travel Credit

Offer Expires

June 1, 2022

4 years 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.

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
CraigCraig's Analysis
+110,000sign-up bonus
+8,000from $4,000 spend
=118,000American Express points
→$585in Coles gift cards
+$400cashback
−$395first-year fees
=$590first-year value

Bonus Difficulty

Easy

●○○

$44 per day required

First Year Cost

$395

annual fee

Bonus Value

$585

118,000 points redeemed in Coles gift cards

Earn Rate

Excellent

●●●●

2.00x American Express points per $1

Travel Benefits

Lounge Access

2 x American Express Airport Lounge per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport.

Did this help you make a decision?

$590 of profit after meeting spend requirements
+ $585 Coles gift cards
+ $400 travel credit extra bonus
- $395
annual fee

$500
x 1
$50
x 1
$25
x 1
$10
x 1
in Coles gift cards, $585 total, with 1,000 points remaining.

Can I get this bonus if I've had a card from American Express before?

You generally need to wait 18 months after your last American Express sign-up bonus before you can earn this one.

See exclusion periods for every Australian issuer →

Offer terms history

These are published versions of this offer's terms. Each version preserves the conditions available at that time.

Unknown publication date

First recorded terms

Bonus American Express:
110,000
Bonus Cash:
$400
Annual Fee:
$395
Minimum Spend:
$4,000 in 90 days
Lounge Pass:
2 x American Express Airport Lounge per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport.
Craig

Something out of date? Let me know on Instagram, Facebook, or email and I'll fix it ASAP.

— Craig