The American Express Explorer card 100,000 bonus points offer IS BACK! Because we’re a fan, we thought to highlight some of the features of this card – before the offer finishes!

Disclaimer: This is not personal financial advice. Please seek independent advice before considering a credit card. Also, for T&C’s of this card please see Amex website. 

Key features

  • 100,000 Amex Gateway Points  (after minimum spend)
  • 2 points per $1 dollar earn  (only eligible purchases)
  • 8 airlines partners to choose from  (when converting your points)
  • $400 Amex Travel credit  (to offset the $395 annual fee)
  • Access to Sydney Airport American Express lounge  (twice per year)
  • Complimentary travel and smartphone insurances
  • Great Amex Offers + Apple Pay ready

*To apply you need to earn $65,000 annual income and meet other requirements as outlined by Amex here – To unlock the bonus points offer you will need to spend $1,500 within the first 60 days. T&C’s apply to this card, some not outlined in this blog please see amex.com for full terms 🙂

APPLY CARD

Sign up bonus

There’s 100,000 Amex Gateway Points on offer when you apply and meet the eligible criteria. One of these conditions include spending $1,500 on the card within the first 60 days.

Points conversion

Member Reward Gateway Points are quite useful for converting to a range of airlines, however, the ratio is slightly lower than Amex Accent points. With Gateway, 1 member points = 0.75 frequent flyer point across selected airlines.

1 Member point = 0.75 Frequent Flyer point with:

Asia Miles
Emirates Skywards
Etihad Guest
Malaysian Airlines Enrich
Singapore Airlines KrisFlyer
THAI Royal Orchid Plus
Velocity Frequent Flyer

You can also convert to the popular Starwood Preferred Guest program at 1 to 0.5 SPG points ratio. Points can also be converted to alternate programs such as Amex Travel, Ticketmaster, Helloworld and David Jones – for a full guide we recommend checking out this blog by PointHacks.

Fly to Hong Kong in the new Cathay Pacific A350 in Business Class for 40,000 Asia Miles

Amex travel

Once you pay the $395 annual fee you will notice a $400 travel credit will appear in your Amex Travel account online. This is a yearly credit that helps offset the card fee. You can redeem it against flights, hotels and rental cars. You can book online through the website, or call the team for phone service. They’re quite friendly!

Insurances

As usual, this Amex comes with a good range of insurances. I find Amex to be quite generous on their insurance vs other bank issued cards. The main insurance headlines are:

Smartphone Screen Insurance
Up to $500 of screen repairs if you accidentally break your smartphone screen, with a 10% claim excess

Travel cancellation cover
Up to $30,000 in the event that your travel is cancelled for specific reasons

Lost baggage, money and documentation Cover
Up to $10,000 to cover loss or damage to documents, bags or money

Travel inconvenience insurance
Up to $500 if your flight departure is delayed for four hours or more

Medical emergency and expenses cover
Up to $2,500,000 towards medical treatment

Amex offers

All Amex cards get access to Amex Offers. A great way to get cash-back or discounts at selected retailers. Look out for some of the great Amex Travel offers, such as “spend $200 get $50 back” – these are great to reduce the cost of travel expenses booked online. We did a full blog post on Amex offers you can read here

 

Summary

This is a great card by Amex that’s extremely competitive to other bank-partnered ‘black’ level cards that offer an Amex card with hefty annual fees. The $400 travel credit offsets the annual fee and the added insurances, travel and phone screen insurance + visits to the Amex SYD lounge are all quite valued add-ons. Don’t forget it’s Apple Pay ready too!

My favourite thing about the card would be the 2 points per $1 earn rate (for standard purchases). This makes it easier to quickly acquire points, even if the redemption is slightly lower than Accent Rewards points… For the average earner/spender, this is a well-positioned card. I also prefer the Amex support team hands down over ANY Australian bank. They are faster at responding to issues, and extremely helpful if you have any questions.

Last tip is this… Take advantage of the 20,000 referral points for each friend you sign up to your Explorer. It can be a great way to boost your points. Also, keep an eye out for point earning initiatives Amex runs throughout the year, including bonus transfer specials to selected airlines.

Got questions? Tweet to the Author @lockyn

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