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American Express® Green Card vs American Express® Gold Card

Two excellent cards for travel and dining rewards, as well as travel credits.

Megan Horner
Megan Horner

Updated . What changed?

Fact checked

The winner: American Express® Gold Card

American Express® Gold Card logo

60,000-point

Welcome offer after spending $4,000 in first 6 months

  • Choose from two designs: Gold or Rose Gold
  • 4x points on restaurants, including delivery
  • 4x points at US supermarkets (on up to $25,000 annually, then 1x)
Apply now
Terms apply, see rates & fees
The American Express® Green Card costs $150 a year and offers 3x points on travel and at restaurants. The American Express® Gold Card is more expensive, with a $250 annual fee — but it pays excellent rewards on groceries, 4x points at restaurants, dining and takeout — including Uber Eats — and 3x points on eligible flights.

Credits are a big point of difference. The American Express® Green Card offers a $100 annual CLEAR credit and $100 annual LoungeBuddy credit; the American Express® Gold Card brings up to $120 in annual dining credits and $10 monthly Uber cash credit each month up to $120 annually.

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

American Express® Green Card

American Express® Green Card

Rates & Fees

American Express® Gold Card

American Express® Gold Card

Rates & Fees
finder.com's rating
finder.com's rating

★★★★★

3.9 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Travel and dining rewards worldwide
  • Generous points on dining and US supermarkets
Welcome offer
Welcome offer

30,000 points after spending $2,000 in the first 3 months

60,000 points after spending $4,000 in the first 3 months
Rewards
Rewards

3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases

4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points) and 3x points on directly-booked flights
Purchase APR
Purchase APR

See Pay Over Time APR

See Pay Over Time APR

Annual fee
Annual fee $150 $250
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee
Interest-free period
Interest-free period 25 days 25 days
Minimum credit score
Minimum credit score 680 670
Card type
Card type Other Other
Learn more
Learn more

Read review

Compare American Express® Green Card vs. American Express® Gold Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
American Express® Green Card
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
View details
American Express® Gold Card
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points) and 3x points on directly-booked flights
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Terms apply, see rates & fees
Apply now
View details
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