American Express Explorer – How to apply
This credit card is perfect for those who want many benefits and enjoy all related advantages.
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The American Express Explorer Credit Card is designed for people who want to earn more from their everyday spending.
It’s not just about rewards; it’s about upgrading your experience every time you use your American Express Explorer card.
With this card, you enter the Membership Rewards universe—one of the most flexible and versatile points systems on the market.
Whether you want to fly first class, book a dream hotel, or simply get great value on everyday items, the American Express Explorer Card gives you the tools to do just that.
Its combination of points, perks, and protections makes it a favorite among lifestyle-savvy users who want more than the average cashback.
American Express Explorer
2x points on travel Annual fee appliesHow does the American Express Explorer Credit Card work?
The American Express Explorer card runs on the Membership Rewards program, which means every eligible purchase earns points that can be redeemed in various ways.
You get 2 points per dollar on travel and dining and 1 point per dollar on everything else. These points can be transferred to major airline frequent flyer programs or used to book directly through Amex Travel.
There’s also a welcome bonus of up to 100,000 points—a significant value if you reach the spending requirement early on. That alone can be worth hundreds of dollars in flights or upgrades.
The card also comes with two complimentary lounge passes per year, access to international travel insurance, and screen damage coverage for your smartphone when its bill is paid with the card. These benefits give it practical value beyond points.
From booking your next flight to reserving a table at your favorite restaurant, the Explorer Card turns everyday spending into lifestyle-enhancing rewards.
Main Benefits of the American Express Explorer Credit Card
One of the top features is its earn rate: 2 points per dollar on eligible travel and dining purchases.
That includes things like airline tickets, hotel bookings, restaurants, cafes, and even food delivery services—areas where most users already spend.
The welcome bonus can unlock as many as 100,000 points (or equivalent, depending on the promo), and that can be transferred to airline partners such as Singapore Airlines, Emirates, Qantas, or used for statement credits or gift cards.
You also get:
- Two airport lounge visits per year
- Overseas travel insurance coverage for medical, trip delays, baggage, and more
- Smartphone screen repair coverage
- Access to Amex Offers for cashback and discounts at partner merchants
- Purchase protection and extended warranties
Together, these perks position the Explorer Card as more than just a credit card—it’s a tool for better travel, better shopping, and better peace of mind.
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Cons of the American Express Explorer Credit Card
One of the key limitations is the annual fee, which is higher than basic cards. However, many users find that the rewards and perks outweigh the cost, especially if they take full advantage of travel benefits and lounge access.
Another issue is Amex acceptance, which still lags behind Visa and Mastercard in some regions and merchants, particularly smaller businesses.
Also, the bonus structure requires hitting a spending threshold to unlock the full 100,000 points, which may be a stretch for users with low monthly expenses.
And while lounge access is a nice perk, the two-visit limit may not be enough for frequent travelers who fly monthly or more.
APR and Fees
- Annual Fee: Approx. $395 (varies by region)
- Purchase APR: Variable, typically 20–23.99%
- Cash Advance Fee: Applies if used
- Late Payment Fee: Up to $40
- Foreign Transaction Fee: Often waived or competitive
- Balance Transfers: Not typically a core feature of this card
Despite the annual fee, many users find the value of lounge passes, insurance, and points more than offsets the cost—especially with strategic use.
How to Apply for the American Express Explorer Credit Card
- Go to the American Express website and select the Explorer Credit Card.
- Click “Apply Now” and begin your secure application.
- Enter your personal and financial information, including income and employment.
- Review the welcome offer, terms, and conditions.
- Submit your application—most applicants receive an instant decision.
- Upon approval, you’ll receive your card by mail and can activate it online or via the Amex app.
Once active, start spending and tracking your points right away. The earlier you hit the welcome bonus target, the faster you unlock serious rewards.
