The American Express Green Card review

This card is no longer available, but you can use our review to find alternatives.

The American Express Green Card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

You say: ★★★★★We say: ★★★★★

Earn 1 point

per £1 spent


Yearly account fee


IssuerAmerican Express
Representative 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. 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 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 Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback.

Review by

Chris Lilly is a publisher at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. 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.

From August 2022, Amex will no longer be accepting new applications for American Express Card Cardmembers. If you currently hold the Amex Green Card, you will still be able to use your card.

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?

Table: sorted by representative APR, promoted deals first
1 - 3 of 3
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
The American Express Rewards® Credit Card
10,000 points
1 point per £1 spent
26% APR (variable)
Check eligibility
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
American Express® Preferred Rewards Gold Credit Card
20,000 points
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £140 per annum
61.8% APR (variable)
Check eligibility
New welcome offer: Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Terms Apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 61.8% APR (variable).
The Platinum Card
Finder Award
The Platinum Card
60,000 points
1 point per £1 spent
£575 per annum
439.9% APR (variable)
Check eligibility
Earn 60,000 Memberships Rewards® points plus a £200 Credit towards your next special getaway with Amex Travel Online when you spend £6,000 in your first 6 months of Cardmembership. Terms apply. Offer ends 25 October 2022.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £575 per annum, your representative rate is 439.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The representative APRs shown represent 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 Green Card

Sorry – American Express is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

The verdict

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

How much does it cost to use The American Express Green Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£173.81), it'll cost you around £5.20 in fees.

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.

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Our experts score rewards credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any caps or restrictions on the points you can earn, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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