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American Express® Green Card review

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A valuable travel card with 3x points on travel and dining purchases, and up to $200 in travel-related credits.’s rating: 3.9 / 5


Please note: All information about American Express® Green Card has been collected independently by Finder and this card is not available through this site.

Earn accelerated reward points on purchases at restaurants worldwide and travel.

  • Get this card if you want a solid Amex travel card without burning a hole in your pocket.
  • Pick something else if you want to carry your balance.
  • Apply with a good to excellent credit score of 680 or higher.


Points as welcome offer

Up to 3x



Annual fee


Recommended credit score


Product NameAmerican Express® Green Card
Card typeAmerican Express
Annual fee$150
Purchase APRSee Pay Over Time APR
Balance transfer APRSee Pay Over Time APR
Cash advance rate25.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $40
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The revamped American Express® Green Card offers plenty to entice, including up to 3x points on restaurants and travel purchases, a 30,000 point welcome offer, no foreign transaction fees and annual statement credits toward travel-related purchases, such as CLEAR and LoungeBuddy.

New to the card is a boosted rewards rate, bringing it up to par with some of the top-of-the-line competitor cards. This is particularly valuable since the card earns the flexible Membership Rewards points.

A few sticking points remain, such as the card’s hybrid nature and the increased annual fee. Nonetheless, the American Express® Green Card is a more than solid opportunity if you’re a traveler but don’t want the perks or fees on Amex’s more luxurious cards.

How to apply for the American Express® Green Card

To apply for the card, you must be at least 18 years old and a US resident. If you meet these eligibility criteria, here’s how to proceed:

  1. Go to the provider's site and click Apply now.
  2. Fill out the application form.
  3. Review the form and submit.

What credit score do I need?

Increase your chances of approval with a good to excellent credit score of 680 or higher.

American Express® Green Card benefits

  • Welcome offer.
    Earn 30,000 membership rewards points after you spend $2,000 in your first 3 months when you open your account.
  • Membership Rewards points.
    Earn 3x points at restaurants worldwide and 3x points on travel purchases including, airfare, hotel stays, subway rides and city tours. All other purchases earn 1x points.
  • CLEAR statement credit.
    Receive up to $100 in statement credit annually when you use your card to pay for your CLEAR membership. If you’re already a Delta SkyMiles or United MileagePlus member, you get an additional $60 discount on your CLEAR membership, reducing the price of CLEAR membership from $179 to $119.
  • LoungeBuddy statement credit.
    Receive up to $100 in statement credit each year when you pay with your American Express® Green Card for lounge passes via the LoungeBuddy app.
  • No foreign transaction fees.
    Use your card abroad and you won’t incur any foreign transaction fees.

What to watch out for

  • Annual fee.
    Expect to pay $150 annually to use the card and its perks. But if you use the statement credits each year, you can easily cover the annual fee.
  • Hybrid card.
    In line with its sibling cards, American Express® Green Card is a combination of a charge card and a credit card. This means you have to pay your full balance before it’s due every month. Eligible purchases of $100 or more, however, can be purchased then paid off later by accruing interest. This feature is called Pay Over Time.

Compare rewards credit cards

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

Bottom line

If you travel often and you want to earn accelerated reward points on travel and restaurant purchases, the American Express® Green Card could be worth considering. You get to earn a solid welcome offer and you get to earn statement credits each year on CLEAR membership and LoungeBuddy purchases.

However, if you think there could be a better credit card for you, compare all credit cards until you find the right fit for your wallet.

Frequently asked questions

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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  1. Default Gravatar
    March 4, 2019

    If I rent a car with the Green American express card what kind of free insurance I get?

    • Avatarfinder Customer Care
      March 4, 2019

      Hi Chris,

      Thanks for getting in touch! According to the information above, when you use your card for a car rental service you are only covered for theft and damage. You can check the policy for more specific information. It would be ideal to look for a car hire insurance for overseas travel that will offer more than what is offered by American Express. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps!


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