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American Express Explorer Card: Travel Perks Worth the A$395 Fee?
75,000 bonus points and 2x rewards on purchases — solid for frequent travelers, but watch out for the 23.99% APR.
The Quick Version
The American Express Explorer Credit Card is a travel-focused option offering 75,000 bonus points if you meet the spend requirement. With 2 points per A$1 on eligible purchases, it's a decent pick for frequent travelers, but the A$395 annual fee and 23.99% APR are not for the faint-hearted.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
American Express Explorer Credit Card
An ideal travel card if you can handle the annual fee.
Fees & Rates
The annual fee is A$395, which might seem steep unless you leverage the travel benefits. The APR is fixed at 23.99%, according to American Express, making it less appealing for those who carry a balance. There's no mention of foreign transaction fees, which is a plus for international travelers.
What's Actually Good
The standout feature is the 75,000 bonus points after meeting the spend requirement in the first three months. You also earn 2 Membership Rewards points per A$1 spent on eligible purchases, which is competitive. The card includes travel insurance and access to Amex's travel perks, making it valuable for frequent flyers.
The Catch
The A$395 annual fee is a hurdle unless you maximize the rewards and benefits. Also, the high APR of 23.99% makes this card unsuitable for carrying a balance. And while 2 points per dollar sounds appealing, it's only on eligible purchases, so read the fine print.
This Card Is For You If...
This card suits frequent travelers who can take full advantage of the travel perks and bonus points. It's best for those who pay their balance in full monthly to avoid the high APR. If you spend significantly on travel and eligible purchases, this card could be worthwhile.
The Bottom Line
The American Express Explorer Credit Card offers solid travel rewards and perks but comes with a hefty annual fee and high APR. It's best for frequent travelers who can maximize the benefits.
Looking for another travel card option? Consider the HSBC Star Alliance Credit Card: Worth the A$499 Fee?
