Welcome to AFF [USER=96044]@dantje7[/USER],
As has been indicated in many of these previous similar types of threads, any choice as to which card/which points programme you enter/choose is a personal one. No one can advise you as to 'the best option' and any 'opinion' is utterly subjective. You need to consider MANY variables that impact just you, inter alia, how you wish to 'spend' your points and how you wish to accumulate additional points.
But before you make any choice, I'd encourage you to check the information you have gathered as I can already see multiple errors. The travel credit for the AMEX Explorer card is $400 NOT $450 as you have claimed. And the annual fee is $395 NOT $450 as you indicate. I'd also indicate that the offer of 110,000 points for the Explorer card is not personalised to you, but ratehr is the current public offer for this card (American Express Explorer Credit Card | Amex AU)
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