Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

American Express® Green Card review

Last updated:  

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 Rates & Fees
Balance transfer APRSee Rates & Fees
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.

Benefit changes to the American Express® Green Card

American Express recently made changes to some of the American Express® Green Card‘s benefits. Here’s what took effect on 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.
  • 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.

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.

Compare rewards credit cards

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
$150 after spending $1,200 in the first 90 days
1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
This 5% rotating cashback card boasts a long intro balance transfer APR of , offering added value if you're looking to make a transfer.
TD Cash Credit Card
$150 after spending $500 in the first 90 days
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.

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.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    March 4, 2019

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

    • Default Gravatar
      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!


Go to site