American Express Business Explorer turns Aussie business spend into points, lounge access and no‑fee employee cards

Rewards and points that actually help your bottom line

The American Express Business Explorer card delivers strong points potential for Aussie businesses, earning 2 points per $1 on most eligible spend and 1 point per $1 on payments to government bodies like the ATO. Those points stack up fast when you put regular bills, travel and supplier purchases on the card.

Points are flexible: redeem via American Express Travel, gift cards or transfer to partners such as Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Emirates Skywards and Hilton Honors. Using the Amex Business Explorer strategically turns everyday business spend into travel and tangible rewards.

Travel perks and lounge access for busy founders

Frequent flyers will appreciate complimentary lounge access and travel insurance that come with the Amex Business Explorer, helping your team stay productive between meetings and flights. Two lounge passes per year and bundled insurance add real value for interstate and international travel.

Combined with points earned on flights and accommodation bookings, the card reduces travel stress and cost. For many small businesses, those perks more than offset the yearly fee after the introductory period when you use the card for core travel spend.

Staff cards and expense control without extra fees

One of the biggest wins for Australian businesses is the ability to issue up to 99 employee cards with no additional annual fee, simplifying expense management and centralising reconciliation. Each staff card earns points, so the whole business benefits from routine purchases.

Amex Business Explorer also offers controls and reporting tools that help keep a handle on spend, making bookkeeping and GST claims cleaner. That visibility saves time for bookkeepers and accountants and reduces month-end headaches.

Costs, eligibility and how to make it work for you

The card typically has $0 annual fee in the first year (subject to eligibility) and then $149 per year after that, so it’s worth calculating expected points return versus the fee for your business’s monthly spend. Be mindful of interest rates if you carry a balance — the best results come from paying on time and using the card for regular business outlays.

Applying is straightforward for registered Australian businesses; you’ll need ABN details and standard ID. To maximise value, put recurring supplier invoices, travel and ATO payments on the card where permitted, track redemptions to partner programs and review promotional offers from American Express to squeeze extra value from the Amex Business Explorer.