American Express Explorer Credit Card Targeted Offer
Ended — kept for reference
$535 in Coles gift cards · 100,000 American Express points · spend $4,000 in 90 days
I'd like to use my bonus for:
$535 in Coles gift cards (107,000 of 108,000 American Express points; 1,000 left over) − $395 card fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
These terms ended and are kept for reference.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is an offer for invited customers.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$4,000 within 90 days — about $1,333 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
Recorded end date: December 2, 2025.
Should I keep it after the first year?
Renewal costs $395 each year ($395 annual fee) — first year was $395.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Ongoing earn: 2.00x American Express points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $395/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
Signup Bonus
100,000 points
American Express
Minimum Spend
$4,000
within 90 days (about 3 months)
Cash Bonus
Offer Expires
December 2, 2025
10 months ago
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
$395
Ongoing Annual Fee
$395
From year 2 onwards
Purchase Interest Rate
23.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
Now Up to $2,500,000 cover · trips up to 180 days.
- Installment PlansUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Hotel BenefitsUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
Now 2 visits/year · The Centurion Lounge.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About these ended terms (published 28 Jul 2025) — not the current offer.
Community and personal tools
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