Are you looking for a business credit card that’s rewarding, but still easy on the bottom line? The American Express Business Explorer Credit Card might just be your new best friend. It has an annual fee of $149, with up to 99 complimentary Employee Cards offered as standard – and that’s just the tip of the iceberg.

With bonus sign-up points, eight airline transfer partners, complimentary travel insurance, and lounge passes, the American Express Business Explorer Credit Card is one of the best-value choices. You also get interest-free days and easy reporting tools on the card. So let’s get started.


American Express Logo This guide is brought to you with support from American Express, a Point Hacks commercial partner. Please note that American Express provided the factual information required for this article. All opinions expressed are solely those of Point Hacks.


1. Straight to the points

The American Express Business Explorer Credit Card is part of the Membership Rewards family. It is one of Australia’s biggest and most versatile flexible rewards programs. You’ll earn a steady 2 Membership Rewards Points per dollar spent on purchases, except government-related expenses which will earn you 1 Membership Rewards Point per dollar spent.

If you haven’t held an American Express-issued card in the preceding 18 months (personal or business), then you might also be eligible for a hefty sign-up bonus! Our latest offer is below:

2. Be rewarded with travel perks

There’s so much to do with the Membership Rewards Points that you can earn with the American Express Business Explorer Credit Card. Need to book flights, hotels or car hire with minimal fuss? Redeem your hard-earned points directly with American Express Travel online, or with Helloworld and Webjet. For 20,000 points, you’ll usually get around $100 worth of value.

Or for a trip that’s even more rewarding, transfer your Membership Rewards Points to eight airline partners, including Virgin Australia Velocity, Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles. You’ll usually get one frequent flyer point or mile for every two Membership Rewards Points you transfer.

As a reference, you could snag a Business Class reward flight on Qatar Airways from Australia to London, normally priced around $4,500, for only 90,000 Asia Miles + taxes! That’s 180,000 Membership Rewards Points from your account, which is otherwise worth $900 at Webjet or Helloworld. You can see why using points for a Business Class reward is highly popular!

Don’t forget, the American Express Business Explorer also comes with two single entries into the American Express lounges at Sydney and Melbourne international airports.

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3. Look after yourself and your employees

Your American Express Business Explorer Credit Card isn’t just for yourself – your employees can enjoy selected benefits too. Enjoy peace of mind knowing that you, your spouse and your Employee Card Members are covered by a comprehensive domestic and international travel insurance plan if you book the return trip fare on your card.

And if you have spare Membership Rewards Points, you can put them towards gift cards from the Membership Rewards store to reward yourself, your clients or your employees.

4. Spend smarter, repay later

One of the biggest cash flow perks of any business credit card is interest-free days. The American Express Business Explorer offers up to 55 days interest-free, depending on when during the billing cycle you make the purchases. That gives you more time to generate more sales before your bill is due.

Speaking of bills and expenditures, your Employee Cards are linked to your main Account. So whatever they spend for your business will show up in one central location. Plus, they’ll be earning Membership Rewards Points for your business too, with these points all pooled into your rewards account. So you’ll have the potential to earn more points even faster.

Need to pay a supplier that doesn’t usually accept credit cards? You can still get rewarded once enrolled through American Express’ in-house AccessLine program.

When it’s time to balance the books, you’ll be able to directly integrate your account feeds into Quicken, Microsoft Excel and MYOB.

5. It’s easy to get started with American Express Business Explorer

With a low annual fee of $149, it doesn’t take a lot to get started. The main requirement is that you need to be a Director or Controller of a business. And have revenue of more than $75,000 a year. You’ll also need a valid ABN registered for GST.

Got all that in hand? Fire up the application page and you could be done in under 15 minutes. There is so much potential for travel with the American Express Business Explorer Credit Card. Taking up this offer could just be one of the best decisions you make for your business this year.


American Express is a Point Hacks commercial partner. The earning and redemption of Membership Rewards Points are subject to the terms and conditions of the American Express Membership Rewards program.

* Featured image courtesy of Pexels.

The American Express Business Explorer Credit Card is your partner in business was last modified: June 29th, 2022 by Brandon Loo