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.
The American Express Green Card review 2021
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.
You say: ★★★★★We say: ★★★★★
Doing its job: 3.5/5
In a nutshell:
Earn 1 point
per £1 spent
Yearly account fee
|Rep. APR||N/A (this product is a charge card).|
|Annual/monthly fees||£60 per annum|
|Incentive||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. If you're an existing Cardmember, invite your friends to join American Express and you'll get 5,000 points if they are approved.|
|Additional Rewards Info||Access 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.|
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.
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.
Pros and cons
- Customers report excellent customer service when dealing with American Express
- Earn points on day-to-day spending
- £60 annual account fee
- Applicants with low credit scores are unlikely to be eligible
How does this card compare to others that earn Membership Rewards?
How to apply for the Green Card
First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for The American Express Green Card. This won't impact your credit score. If it's good news, you can then proceed to American Express's online application, which takes 10-15 minutes to complete.
With the classic green styling, the American Express Green credit card is as iconic as they come, and a decent reward card to boot. While there’s a hefty annual fee, you’re able to earn points on all purchases, and as it’s a charge card, there’s also no interest to pay.
Of course, this still means you’ll need to clear your balance in full each month, or face sizeable late payment fees, making this a reward card that’s best suited for those looking to earn rewards but also responsible about how and when they spend.
Frequently asked questions
Can I withdraw cash using The American Express Green Card?
Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (withdrawing cash at an ATM, getting cashback at the till, spending at a casino, buying currency, etc.) often incur steep fees and/or higher rates of interest.
The cash advance fee on The American Express Green Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.
The interest rate on this part of your balance will be .
How much does it cost to use The American Express Green Card abroad?
Non-sterling transactions are subject to a 2.99% charge. For example, if you spend 200 euros (£172.67), it'll cost you around £5.16.
Can I request an additional The American Express Green Card?
Yes, in fact, you can request up to 2 more. There's no fee for additional cards. Plus, with additional cards, you could earn points at a faster rate. Bear in mind that card debt accrued by additional cardholders is the sole responsibility of the account holder – not the additional cardholder.
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.