The Amex Green Card is worth it for frequent travelers with above-average credit who buy airport lounge day passes and prefer expedited airport security. Customers with enough dining expenses to help offset the card’s $150 annual fee may also find the Amex Green Card worth applying for.
Aside from offering 3 points per $1 spent on travel and dining purchases and an initial bonus of 45,000 points, what makes the Amex Green Card particularly worthwhile is an annual $100 credit toward the cost of a yearly CLEAR membership (currently $179 per year), which provides faster security screening at airports and other venues. There’s also a yearly $100 LoungeBuddy credit that offsets the cost of airport lounge day passes purchased with the LoungeBuddy app. By making the most of these travel-friendly perks, the Amex Green Card’s annual fee will easily pay for itself.
However, the card most likely won’t be worth it if you’re unable to pay the balance in full and on time every month. The interest you’ll pay on the balance will cut into the card’s overall value.
The American Express® Green Card’s credit score requirement alone doesn’t determine your approval or rejection. But it is a key component. Amex also considers annual income, employment status, monthly rent/mortgage payments and existing debt, among other factors.
Here’s the American Express Green Card credit score requirement and more:
Credit score required: Good
Other factors: Annual income, employment status, monthly rent/mortgage payment, existing debt and more.
Age requirement: At least 18 years old (must have a verifiable source of income).
Residency/identification requirement: A U.S. mailing address (no P.O. boxes) and a Social Security number, Individual Taxpayer Identification Number or passport.
Even if you meet the American Express® Green Card credit score requirement, you should be aware that this card is a hybrid card before you apply. That means you’re usually required to pay the entire balance in full each billing period. There is a feature called “Pay Over Time” where cardholders can carry a balance on individual charges that are each at least $100. However, these purchases are subject to approval by Amex. And the account will have a set “Pay Over Time” limit that cannot be exceeded. If you usually carry a balance every month, you might want to consider other Amex cards.
The American Express Green card’s limit can vary from month to month. American Express may adjust the limit based on your card use. The amount and the frequency in which those adjustments occur also depend on a wide range of factors such as your income, credit standing, payment record and more.… read full answer
You should be able to charge up to the same amount on the Amex Green card each month, as long as there are no drastic changes in your financial situation. A reduced income or lowered credit score may prompt American Express to reduce how much you can spend, for example. Conversely, improvements to your credit and income may allow you to spend more.
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