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American Express Business Explorer Credit Card

My monthly spend: 
$5,000
 
offer
card features
rewards program
earn rate
sign up bonus
your earnings
American Express Business Explorer Credit Card
APPLY BY 02 oct 17
Receive 100,000 points when you apply by 2nd Oct 2017, are approved and spend $3,000 on your card within the first 3 months.
Earn 50,000 business loyalty bonus points when you spend $100,000 every 12 months from the card approval date.
Enjoy up to two entries per year to the American Express Lounge.
Add to comparison
Membership Rewards Gateway
Membership Rewards Gateway
2 pts
per $1 spent
100,000
points
after spend criteria
 
in 12 mths (approx.) what can I do with these?

Pros & cons

What's good?

What's not so good?

Receive 100,000 points when you apply by 2nd Oct 2017, are approved and spend $3,000 on your card within the first 3 months.
Earn 50,000 business loyalty bonus points when you spend $100,000 every 12 months from the card approval date.
Enjoy up to two entries per year to the American Express Lounge.
Earn up to 2 pts per $1 spent on eligible purchases with the Membership Rewards Gateway program.
Travel with peace of mind with the complimentary travel insurances.
The $395 p.a. but it is offset with benefits.
To get a credit card like this one, you will need a minimum income of $24,000.

Basic details

About this card

Card setup
Single
Card tier
Platinum
Card type
American Express
Card use
Business
Credit rating
No history of bad credit
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$24,000
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
Membership Rewards Gateway
Temporary residents
Business Long Stay Visa (subclass 457)

Cardholders

Additional cardholders
Yes
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$3,000
Maximum credit limit
N/A

Repayments

Interest charged from
N/A
Interest free period
Up to 55 days on purchases
Minimum repayment
2.5%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances N/A N/A
Purchases 1.42% 16.99% p.a.

Fees

Annual fee
$395 p.a.
Cash advance fee
2%
Dishonour fee
$6
Duplicate statement fee
N/A
Foreign exchange fee
N/A
Late payment fee
$30
Over limit fee
N/A
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
N/A

Rewards

Rewards program basics

First purchase bonus
100,000 points
Reward points expiry
Never
Rewards program
Membership Rewards Gateway
Spend required for bonus points
$3,000 in 3 months

Earning points with this card

ATO payment earns rewards
0.5 pts per $1 spent
Frequent flyer points
2 pts per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
N/A
Points cap per year
N/A
Reward points
2 pts per $1 spent

Additional benefits

Airport lounge access
Yes
Complimentary flight voucher
No
Concierge service
N/A

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $24,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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