The American Express Green Card review 2019

This simple yet almost iconic charge card offers an easy rewards programme with a flat annual fee and no interest.

Whether or not this is a suitable card for you is likely to come down to whether or not the rewards you’d earn through using the card would outweigh the annual fee.

Finder rating: ★★★★★

£60

Yearly account fee

Earn 1 point

per £1 spent

Details

IssuerAmerican Express
NetworkAmex
Rep. APRN/A (this product is a charge card).
Annual/monthly fees£60 per annum
Loyalty schemePoints
Incentive1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.
Additional Rewards InfoAccess to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences. Eligible for American Express Offers where cardmembers can choose offers from selected retailers to obtain discounts or cashback.

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

If you like simplicity, the The American Express Green Card could be up your street. Since it’s a charge card, you won’t pay any interest but you do have to clear your outstanding balance in full every month.

In return for the annual fee you can earn Membership reward points on all your spending, to redeem with a range of popular partners like Amazon, Boots, Eurostar or Expedia.

To decide if this card is a decent bet for you, try to work out how much you’d spend on it each month, and what that would earn you in rewards points. If it outweighs the fee, fantastic. If it doesn’t you may want to consider another Amex deal.

How does this card compare to others that earn Membership Rewards?

Table: sorted by representative APR, promoted deals first
Updated December 14th, 2019
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
American Express Rewards Credit Card
5,000 points
1 point per £1 spent
£0
22.9% (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
American Express Preferred Rewards Gold Credit Card
10,000 points
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £140 per annum
57.6% (variable)
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% APR (variable).
The Platinum Card
30,000 points
1 point per £1 spent
£575 per annum
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.
The American Express Green Card
N/A
1 point per £1 spent
£60 per annum
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

How to apply for the The American Express Green Card

If you’d like to apply for this card, you can click “Go to site” above and start your application. Make sure you’ll eligible for an Amex credit card before applying, which you can do by using the American Express Eligibility Checker. You’ll need to provide personal and financial details as part of your application.

Frequently asked questions

How does an American Express charge card work?
Unlike a regular credit card, the American Express Green card does not have a credit limit, and you’ll need to pay off your balance in full each month. You’ll also have to pay a £60 per annum account fee.
Is an American Express Green card worth it?
This depends on how much you’re likely to spend using the card. As you’ll be paying a £60 per annum fee, the value of any rewards you earn annually would have to be greater for the card to represent value for money. If not, it may be worth considering other credit cards.
How many reward points will I get?
You’ll get one reward point for every £1 you spend using your card. You can also get up to 90,000 bonus points a year by referring friends to American Express, as long as they’re approved.
How many cards can I get?
You can get two complimentary additional cards, after which you’ll pay £17.50 for each additional card.

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