The American Express Explorer Credit Card is an excellent choice for those looking to quickly accumulate points and enjoy premium travel benefits without necessarily compromising on the most expensive credit card segment. With a robust package that includes Membership Rewards points, annual travel credit, and lounge access, it positions itself as a complete solution for those seeking rewards for everyday use.
If you’re looking for a card that combines generous rewards with exclusive travel perks, the American Express Explorer could be just what you need.
Why we recommend the American Express Explorer Credit Card
We recommend the American Express Explorer Credit Card for its unique combination of benefits for those who love to travel and enjoy rewards in their daily lives. Some of the main reasons to recommend it are:
Accelerated accumulation of Membership Rewards Points on all purchases
$400 annual credit for travel booked through American Express Travel
Two free annual accesses to VIP lounges through Priority Pass
Wide range of options to redeem points, from airline tickets to products and credit on your statement
Free and comprehensive international travel insurance
Shopping and mobile device protections
These advantages make the Explorer an extremely solid choice for anyone looking to turn everyday expenses into tangible benefits.
What can I use the American Express Explorer Credit Card for?
The American Express Explorer Credit Card is extremely versatile, with several practical applications for everyday life and travel.
Use to accumulate points in everyday life
The card is ideal for accumulating Membership Rewards Points on:
Supermarkets and grocery stores
Restaurants, cafes and bars
Gas stations
Shopping for technology, fashion and decoration
Subscription services such as streaming and apps
Every purchase made with the card generates points that can be converted into real benefits.
Travel use
With American Express Explorer, travelers get:
$400 annual credit toward hotel, flight and vacation package bookings via Amex Travel
Two free Priority Pass lounge accesses per year
Free international travel insurance with comprehensive coverage for medical emergencies, trip cancellation and lost luggage
Possibility to transfer points to airline loyalty programs such as Qantas, Velocity, Singapore Airlines KrisFlyer, among others
These features make any trip more comfortable, safe and economical.
Use for shopping security
The card also protects your spending, offering:
Insurance for products purchased with the card against theft or accidental damage
Manufacturer’s Warranty Extension for Eligible Products
Price protection insurance, refunding the difference if the price of a purchased item drops
These guarantees increase confidence when using the card for important purchases.
Advantages and disadvantages of the card
Analyzing the pros and cons is essential to making an informed decision about purchasing the card.
Advantages of the American Express Explorer Credit Card
Earn 2 Membership Rewards Points for every dollar spent on eligible purchases
$400 annual travel credit for bookings through American Express Travel
Two free accesses per year to Priority Pass VIP lounges at airports worldwide
Free international travel insurance with medical coverage, trip cancellation and baggage protection
Purchase insurance with protection against theft, damage and extended warranty
Transferring points to various airline loyalty programs
Possibility of redeeming points to pay your bill, make purchases or exchange them for products and trips
Free additional card for family members or partners, maximizing points accumulation
Digital tools like the Amex App for controlling expenses and bills
Disadvantages of the American Express Explorer Credit Card
Annual fee of $395, which can be a burden for those who don’t take advantage of all the benefits
Not all establishments accept American Express, especially small businesses.
3% foreign currency conversion fee on international purchases
$400 travel credit must be used through Amex Travel website
Priority Pass access is limited; additional tickets are subject to a fee
Does not offer benefits such as automatic upgrades on airlines or hotels
These points should be considered to understand whether the American Express Explorer fits your lifestyle and consumption needs.
How is the credit analysis done on the American Express Explorer Credit Card?
Approval for the American Express Explorer Credit Card requires a rigorous credit analysis, with an assessment of the following aspects:
Applicant’s credit history, considering punctuality of payments and absence of default
Minimum annual income of $65,000, as evidenced by documents such as pay stubs, bank statements or income tax returns
Stability in employment or in your own business
Current debt level on other credit cards, loans or financing
Bill payment ability, especially considering the card’s annual fee
Having a healthy credit history, proof of adequate income and responsible financial behavior are essential factors to increase your chances of approval.
Is there a maximum and minimum value for the American Express Explorer Credit Card?
The initial credit limit for the American Express Explorer Credit Card is set individually during the analysis of the applicant’s profile.
There is no publicly disclosed pre-defined default limit.
The limit amount depends on credit assessment, proven income and financial history.
American Express conducts periodic reviews to increase or adjust the limit based on customer behavior.
Personalized limits help provide spending flexibility by adapting to the user’s profile
Conscious management of the available limit is essential to maximize the card’s benefits without compromising your financial health.
Want to apply? Learn how to get the American Express Explorer Credit Card right here
If you have identified with the advantages of the American Express Explorer Credit Card and wish to apply for it, the process is completely online and quite simple. Here’s how to proceed:
