AMEX Explorer Card Calculator

Card Details & AMEX Points Calculator
2x All Purchases*
$400 Annual Travel Credit
Two AMEX Lounge Passes Annually
The Hotel Collection
Smartphone Protection
Travel & Purchase Coverage

AMEX Points Calculator for the AMEX Explorer Card. Calculate total points and cash value. Compare against top cards based on spend and apply.

Bonus Categories

The AMEX Explorer Card does not have any bonus categories. You'll earn Membership Rewards Points at a flat rate of 2 points per $1 spent on all purchases with the exception of government bodies in which you'll earn 1 point per $1 spent. There's no limit to the amount of points you can earn with the AMEX Explorer Card overall.

  • 2x All Purchases
    • Purchases made with government bodies in Australia will earn you 1x.
    • Government bodies in Australia includes:
      • Australian Taxation Office
      • Australia Postal Corporation
      • Federal/State and Local Government Bodies

Perks & Benefits

The AMEX Explorer Card offers an annual travel credit, two AMEX lounge passes, and great travel and purchase coverage including smartphone screen insurance.

  • $400 Annual Travel Credit
    • Receive an annual travel credit of $400 redeemable on the American Express Travel portal towards flights, hotels, car hire, and experiences.
  • Two AMEX Lounge Passes Annually
    • Can be used at Sydney International Airport (T1) or Melbourne International Airport (T2) only.
  • Complimentary Hilton Honors Silver Status
  • The Hotel Collection
    • Booking two consecutive night stays at hotels through The Hotel Collection grants you:
      • Room upgrade at check-in, when available
      • A US$100 hotel credit for amenities like dining, spa, and other leisure facilities
  • Transfer Points To Partners
    • Partners include:
      • Virgin Australia Velocity Frequent Flyer
      • Emirates Skywards
      • Etihad Guest
      • Virgin Atlantic Flying Club
      • Singapore KrisFlyer
      • Air New Zealand Airpoints
      • THAI Royal Orchid Plus
      • Malaysia Airlines Enrich
      • Cathay Pacific Asia Miles
      • Hilton Honors
  • American Express Benefits
    • AMEX Offers
    • American Express Experiences
    • Entertainment Lounge Access
      • Qudos Bank Arena Sydney
      • First State Super Theatre Sydney
      • Brisbane Entertainment Centre
  • Travel & Purchase Coverage
    • Medical Emergency Expenses Cover
    • Personal Liability Cover
    • Travel Cancellation Cover
    • Travel Inconvenience Cover
    • Loss/Damage Cover For Baggage, Money, & Documents
    • Smartphone Screen Insurance
      • Must use your AMEX Explorer Card to pay for the phone outright or monthly bill.
    • Buyer's Advantage
    • Purchase Protection
    • Refund Protection
    • Fraud Protection Guarantee

Sign Up Bonus (SUB)

The sign up bonus for the AMEX Explorer Card is 50,000 Membership Rewards Points when you spend $3,000 on the card within the first 3 months of card membership.

Fees & Income Requirements

Annual Fee

The annual fee for the AMEX Explorer Card is $395. The $400 travel credit pretty much covers this fee assuming you can use it all.

Authorized User Fee

There is no fee to add up to 4 additional cards to the AMEX Explorer Card. I recommend adding family and friends to help build your points faster.

Foreign Transaction Fee

The AMEX Essential Card has a currency conversion fee of 3% of the converted amount.

Income Requirements

The AMEX Essential Card requires an annual income of $65,000 or more.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


Earn additional cash back when booking travel and shopping online using Cashrewards. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
Sign Up For Free
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Recommended Reads