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American Express® Green Card review

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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.

30,000

Points as welcome offer

Up to 3x

Points

$150

Annual fee

680

Recommended credit score

Details

Product NameAmerican Express® Green Card
Card typeAmerican Express
Annual fee$150
Purchase APRSee Rates & Fees
Balance transfer APRSee Rates & Fees
Cash advance rate26.74% 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 $39
Returned payment feeUp to $39
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 up to $200 in statement credits each year 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.

Upcoming benefit changes to the American Express® Green Card

American Express has announced changes to some of the American Express® Green Card‘s benefits. Here’s what’s taking effect starting January 1, 2020:

  • Added trip delay reimbursement
  • Reduced extended warranty period from two years to one year
  • Reduced purchase protection coverage from 120 days to 90 days
  • Removed travel accident insurance
  • Removed roadside assistance
  • Removed return protection

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. You can also earn a $100 statement credit bonus if you buy a new suitcase or a bag directly with Away, including AwayTravel.com, until January 15, 2020.
  • 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 of up to $200 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.

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. 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.

Compare rewards credit cards

Updated December 14th, 2019
Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 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
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
American Express® Green Card
30,000 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Chase Freedom Unlimited®
$150 after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.

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

Disclaimer

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.

Rates and fees

Images: AmericanExpress.com

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2 Comments

  1. Default Gravatar
    Chris
    March 4, 2019

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

    • Avatarfinder Customer Care
      nikkiangco
      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!

      Best,
      Nikko

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