45,000-Point Bonus and More Benefits


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Featured Reward

45,000 points after you spend $2,000 on purchases in the first six months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • 3x bonus categories of travel and restaurants that rival the more-expensive Chase Sapphire Reserve
    • Reasonable annual fee compared to many other travel rewards cards
    Cons
    • Annual statement credits with CLEAR and LoungeBuddy won’t be useful to everyone
    • Underwhelming welcome bonus
    • The information related to the American Express® Green Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
    • Earn 45,000 points after you spend $2,000 on purchases in the first six months of account opening.
    • Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
    • Earn 3X Membership Rewards® points at restaurants worldwide.
    • Receive up to $100 per year in statement credits when you use the American Express® Green Card to pay for your CLEAR® membership at select airports and stadiums across the U.S. and Permissible Biometric Scanning Technology terms: eye scanning, irises scanning and fingerprints scanning.
    • Use the American Express® Green Card to purchase lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network – no memberships, elite statuses, or first class tickets required. Earn up to $100 in statement credits per calendar year on your LoungeBuddy purchases.
    • No Foreign Transaction Fees.
    • $150 Annual Fee.
    • Terms Apply.

    Read Our Review
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    Review: Is the Amex Green Card the best credit card for you?

    The American Express® Green Card currently offers a welcome bonus of 45,000 points after you spend $2,000 on purchases in the first six months of account opening.

    That’s worth an average of $810 in travel, per Insider’s valuations — and significant enough to take a closer look at the card. Is it worth test-driving the card out for a couple of years to see if it integrates well with your lifestyle?

    This product is by nature a travel rewards card — if you make a lot of travel, dining, and transit purchases, you’ll be rewarded with 3 points per dollar. Transit is a particularly rare category, and includes merchants like trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

    Read more: Guide to the best American Express cards

    And with benefits such as up to $100 in CLEAR credits (helpful for speeding through the TSA airport security line) and up to $100 in LoungeBuddy credits (so you can access airport lounges for free), this is a good starter travel card for the less hardcore travelers.

    Here’s what you need to know about this card.

    Comparison: Amex Green Card vs other Amex cards

    *on up to $25,000 spent at U.S. supermarkets per calendar year, then 1x

    ***up to $10 in statement credits per month when you use the Amex Gold card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. Enrollment required.

    ****up to $10 in Uber Cash per month (this is only applicable to U.S. Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit)

    *****Eligible digital subscriptions include Audible, SiriusXM, The New York Times, and Peacock

    Amex Green Card vs other rewards cards

    How to earn points from the Amex Green Card

    The Amex Green Card has a simple and powerful earning structure that fits the lifestyle of a frequent traveler. You’ll earn 3 Amex Membership Rewards points per dollar on the following purchases: 

    • Restaurants (including takeout and delivery)
    • Travel (including airfare, hotels, cruises, tours, car rentals, and more)
    • Transit (including trains, buses, ferries, subway, and more)

    You’ll earn 1 point per dollar on all other eligible purchases.

    Insider estimates Amex points value to be an average of 1.8 cents each when redeemed for travel. That means an earning rate of 3 points per dollar is equivalent to a 5.4% return.

    To become an Amex points-earning powerhouse, you can complement this card’s bonus categories with other American Express cards. For example, the Amex Gold Card earns 4 points per dollar at US supermarkets (on up to $25,000 spent per year, then 1x) and at restaurants.

    Read more: Use these 3 Amex cards to earn maximum rewards points for every purchase you make

    How to use rewards

    There are myriad ways to use Amex Membership Rewards points, each offering drastically different value.

    To get the biggest return for your rewards, you’ll want to use them for travel — namely, transferring your points to airline and hotel partners such as Air Canada Aeroplan, ANA, Singapore Airlines, Virgin Atlantic, and Hilton. For example, you can:

    • Transfer 87,000 Amex points to Avianca for a one-way first-class flight to Frankfurt on Lufthansa (a $7,000+ value)
    • Transfer 35,000 Amex points to Singapore Airlines for a round-trip flight to Hawaii on United Airlines  (a $500+ value)
    • Transfer 95,000 Amex points to Hilton for a weekend stay at the Conrad Bora Bora (a $2,500+ value)
    • Transfer 88,000 Amex points to ANA for a round-trip business class flight to Europe on United Airlines (a $3,500 value)

    Read more: How to earn, redeem, and maximize Amex Membership Rewards points

    Alternately, you can use your points to effectively “buy” flights through the American Express Travel portal at a rate of 1 cent each. You can reserve hotels, rental cars, cruises, etc. through the portal, too, but your points will be worth just 0.7 cents each.

    Other options (though we don’t recommend any of these) include:

    Benefits and features

    The Amex Green Card isn’t as jam-packed with benefits as similarly priced travel credit cards, but it’s got enough to more than offset the card’s annual fee each year.

    Up to $100 in LoungeBuddy statement credits

    LoungeBuddy aggregates most airport lounges worldwide and allows you to purchase a day pass. This is beneficial if you don’t already have a credit card with free airport lounge access, and if you don’t frequently travel enough to warrant opening one of the aforementioned cards.

    Prices for a day pass through LoungeBuddy vary with each location, but day passes can cost as low as $25. If you and a travel buddy want to enter a lounge, you could well get two visits each from this annual statement credit.

    Up to $100 in CLEAR statement credits

    CLEAR is an expedited airport security program that lets you skip to the front of the TSA line. It also operates at the entrance of some stadiums.

    A membership to CLEAR normally costs $179 per year — so a $100 statement credit would lower your out-of-pocket cost to $79 per year. However, there are ways to get it even cheaper. For example, if you’re a loyalty member of either United or Delta, CLEAR costs just $119. After this card’s statement credit, you’d pay just $19 per year for a CLEAR membership.

    Read more: I wasn’t interested in CLEAR until the Amex Platinum gave it to me for free. It’s fantastic.

    Modest travel and lifestyle insurances

    As with most cards in this price range, you can receive purchase insurance with eligible items. You’ll get:

    • Purchase protection
    • Extended warranty protection
    • Return protection

    And because this card is primarily for travelers, it comes with:

    • Rental car insurance — This coverage is secondary, so it will pick up what your personal auto insurance doesn’t cover.
    • Trip delay insurance — When your flight is delayed 12 hours or more, you’ll get up to $300 per trip (max two claims per year).
    • Baggage insurance — Offers reimbursement in the event of lost, stolen, or damaged baggage.
    • 24/7 Global Assistance Hotline — Helpful for various emergencies, such as cash wire transfers, medical problems, etc. (you must be at least 100 miles from home).

    Regular APR

    See Rates & Fees

    Featured Reward

    45,000 points after you spend $2,000 on purchases in the first six months of account opening

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • 3x bonus categories of travel and restaurants that rival the more-expensive Chase Sapphire Reserve
    • Reasonable annual fee compared to many other travel rewards cards
    Cons
    • Annual statement credits with CLEAR and LoungeBuddy won’t be useful to everyone
    • Underwhelming welcome bonus
    • The information related to the American Express® Green Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
    • Earn 45,000 points after you spend $2,000 on purchases in the first six months of account opening.
    • Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
    • Earn 3X Membership Rewards® points at restaurants worldwide.
    • Receive up to $100 per year in statement credits when you use the American Express® Green Card to pay for your CLEAR® membership at select airports and stadiums across the U.S. and Permissible Biometric Scanning Technology terms: eye scanning, irises scanning and fingerprints scanning.
    • Use the American Express® Green Card to purchase lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network – no memberships, elite statuses, or first class tickets required. Earn up to $100 in statement credits per calendar year on your LoungeBuddy purchases.
    • No Foreign Transaction Fees.
    • $150 Annual Fee.
    • Terms Apply.

    Read Our Review
    Read Our Review A looong arrow, pointing right

    Fees and costs

    The Amex Green Card charges a $150. But you’ll also be charged for things like late/returned payments and cash advances.

    Also note that this card doesn’t charge foreign transaction fees, so it’s a great companion when traveling internationally.

    Amex Green Card — Frequently Asked Questions (FAQ)

    Are the Amex Green Card benefits worth the annual fee?

    The Amex Green Card is only worth the annual fee if you will fully use its benefits. The card comes with up to $200 a year in useful statement credits for travel-centric purchases. If you can make use of those (and not simply use them because they’re there), the card is worth keeping year after year.

    Is the Amex Green Card metal?

    The Amex Green Card is made of plastic, unlike its siblings, the Amex Gold Card and the (extra-heavy) Amex Platinum Card.

    Amex Green Card vs Gold: Which is better?

    The Amex Gold Card has a noteworthy amount of benefits above the Amex Green Card. However, its annual fee is $100 higher at $250.

    Read more: Amex Green vs Gold vs Platinum: How to figure out which credit card is right for you

    It’s well worth the extra money for a higher earning rate on common purchases like dining and US supermarkets, as well as the up to $240 in annual statement credits:

    What credit score do you need for the Amex Green Card?

    We generally recommend that you shouldn’t open a travel credit card unless your credit score is around 700 or higher. If you’re not there yet, take a while to improve your credit — you’ll be glad you did, as it will unlock all kinds of amazing credit card welcome bonuses.

    Featured credit cards from our partners

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    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

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    1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

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