American Express Explorer

I have the Amex Exporer card sinc ethe last 2 years.
The $395 annual fee is compensated by the $400 travel credit.
There are times, when the Tickets on the American express Travel site is a couple of $100 more than other websites.
The Rewards point value has been reduced from $7.41 /1000 points to $5.00 /1000 points.
The promotional offers e.g. vogue fashion nights & Small shop in November are good value for your money.

This is one of the first credit cards I got and I loved it. It gives you the travel credit of same amount as annual fee plus it give you complementary insurance, lounge passes and many more benefits. The best part is that you can accumulate points at faster rate with this card and although amex is not accepted everywhere but to have that option in your hand is worth it.

Have had this card for 3 years and great card especially for travelling. Lounge access has been a blessing especially with a toddler.
Insurance on card is good as well, got a new phone stolen on the way back from one of our overseas trips and insurance gave us a full refund no questions asked.
Disappointed as the points have diminished in value over the years. But the perks of Amex offers makes up for some of the downfalls, though many of the good offers are full before you can register for it.

Enjoyed first year annual fee free and $400 traveling credit which I used on air ticket, pretty good service, they sent me reminder by text which help me avoid late payment penalty, no one else does that, the only thing I think can improve is add search bar on the website, so users can search by name, amount etc

Have had it for two years, it's started to decline in its member benefits with stores that are overpriced and not relevant. The discount amount isnt actually attractive for sellers who have an inflated RRP
Also, it's American Express and isn't readily available within stores and if they are - there's usually surcharges.
Points used to get a higher return e.g 1,000 = $5 and it was formally $7+

Had this card for almost three years, the amount of rewards given by this card has been overwhelmingly fantastic! American Express makes it very easy for us to claim our rewards and redeem them on flights. Plus the annual fee you pay for transfer directly to travel credit. Booking your flights with the travel credit on the AMEX service is easy and competitive! Just stay away from hotels!

We've used this card numerous time overseas and the rates are pretty competitive to other banks. There are no slap on fees or penalties for using this card abroad, hence the 'explorer' naming of it.

It was quite convenient for me to use my Amex card when I travelled to Phuket last month. It is more and more easier for me to accumulate points for example supermarkets like coles, woolworths, shops like bunings and ikea, etc can accept Amex. Also it will send me some cash back promotion to save in the card and automatically redeem when you hit the requirement. There're lots of ways to redeem my point, credit for repayment, travel credit, transfer to frequent flyer points, etc. The most good part is $400 trevel credit can be used per year. Really recommeneded.

good value with $400 travel credit. best credit card on market!
Also come with international airport lounge and lots of amex deals
this is the only credit card I keep for long term.

Excellent value Card. $395 annual fee offset by $400 in travel credit for use on any flight or hotel booking. Complimentary travel insurances included when you use the card to book your travel. Easy app to keep track of spend. The Card has a Great look with a solid dark colour which makes it seem like a premium Card. Handy backup Card to accumulate frequent flyer points are a better earn rate. Use [referral link removed] to sign up and get a 60,000 point bonus (I also receive 30,000 points).