American Express Explorer® Credit Card
American Express · AMEX
The American Express Explorer® Credit Card is a credit card from American Express on the American Express network. It has an annual fee of HK$2,200. It earns up to 0.59x on travel, up to 0.33x on everything else. The welcome offer is Up to 26,000 miles and a first-year annual fee waiver for new cardmembers who spend HK$30,000 in the first 3 months (offer ends 31 October 2026).
Key facts
- Annual fee
- HK$2,200
- Purchase APR
- 35.96% APR
- Foreign transaction fee
- 2%
- Network
- AMEX
- Welcome offer
- Up to 26,000 miles and a first-year annual fee waiver for new cardmembers who spend HK$30,000 in the first 3 months (offer ends 31 October 2026)
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | up to 0.59x | Up to 1 mile per HK$1.68 (10.75X points) on foreign currency spending, after enrolling in the Foreign Currency Bonus Program |
| Everything else | up to 0.33x | Up to 1 mile per HK$3 (6X points) on Hong Kong dollar spending, after enrolling in the Local Spend Bonus Program |
Benefits and perks
- Up to 12 free airport lounge visits a year, shared with supplementary cardmembers.
- Annual fee waived for the next year with HK$150,000 of spending a year.
Questions about the American Express Explorer® Credit Card
What is the annual fee on the American Express Explorer® Credit Card?
The American Express Explorer® Credit Card has an annual fee of HK$2,200.
What rewards does the American Express Explorer® Credit Card earn?
The American Express Explorer® Credit Card earns up to 0.59x on travel, up to 0.33x on everything else.
Is the American Express Explorer® Credit Card worth it?
The American Express Explorer® Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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