Minimum Credit Score Needed 
Good
American Express® Green Card
American Express® Green Card's Rewards
- Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020.
- Plus, earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
- 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.
- Receive up to $100 in statement credits per year on your LoungeBuddy purchases. 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.
- Terms Apply.
American Express® Green Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
See Rates & Fees
American Express® Green Card's Additional Info
-
MAX LATE FEE
$39
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
See Rates & Fees
-
GRACE PERIOD
See Terms
-
ONLINE RESPONSE
Yes
-
CASH ADVANCE
APR
26.74% (V)
-
CASH ADVANCE
FEE
5% (min $10)
-
FOREIGN
TRANSACTION FEE
0%
-
SMART CHIP
Yes, chip-and-PIN
- No Foreign Transaction Fees.
- $150 Annual Fee.
at American Express' secure site
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American Express® Green Card Reviews
Share your insights and review the American Express® Green Card.
Nov 28, 2013
Most Americans would be owing an AmEx card, for some purpose or the other. That's the reach AmEx has. The American Express Green Card comes power packed with rewards, Roadside Assistance, Financial Control and Fraud Protection Guarantee which are really integral. But the annual fees would simply dissuade any genuine buyer and turn him away. I havent seen any card that charges $95 annual fee, I guess only the AmEx does that! But I guess the unlimited spending and reward points are simply too irresistible.… show more
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Nov 24, 2013
The American express green card seems like a good card to add to your credit cards. Some good quality's about this card is there are 24/7 emergency assistance when traveling and that is always good to have just in case something happens. Also there is no interest charges because you pay your balance in full every month. Also the Green card has no preset spending limit it just adjusts with you, however you use the card. I mean the good quality's just keep going and going about this card. The only set backs I see of this card would be is the annual $95 fee after the first year or the 35 dollar late fee. Other than that is card seems to be one of the best offered on the market. I know I was looking at a Capital One credit card the other day and it did not offer anything as good as this American Express Green card does.… show more
Nov 15, 2013
I'm not a fan of fees - especially annual fees. The $95 fee seems like way too much to me. The benefits associated with this type of card is pretty typical with most cards. The travel benefits and points I find with plenty of cards which do not have an annual fee. I also see that this one forces the customer to pay off the balance each month, which is the traditional American Express model. Some other American Express cards have it to where this isn't part of the policy and actually allow one to pay the balance down over time which seems to be a better deal to me. Personally, this card doesn't cut it - others have the same if not better benefits!… show more
Nov 06, 2013
This is simply one of the best cards on the market, hands down. Not only is their customer service super friendly and legit helpful, but their annual fee the first year is waived and only 95$ a year after that! You simply can not beat that plain and simple. Other banks charge you the first year and jack up the annual fee to above 200$, not with this bank! I also like that late fees are only 35$. With big banks now a days they charge you an arm and a leg for being late and it is very costly!… show more
Nov 05, 2013
The American Express Green Card was one of the first cards we had when we moved to the U.S., so maybe that's why we were not fully aware of any major benefits. It was nice that they offered it to us when we had not yet built credit (it's really the only reason why we accepted it) but once we'd built some credit the $100 annual fee just wasn't worth it. So all in all, I guess both sides benefited from the relationship and then it was over. I am kind of glad that we don't have it anymore however, it doesn't carry as much of a status symbol as it used to and let's be honest, many small businesses don't accept them.… show more
Nov 02, 2013
The charge card version of the Blue credit card, the American Express Green Card allows you to have some of the benefits of a credit card but requires the balance be paid in full each month. Better than a debit if you don't have funds right now, and without the interest rates associated with a credit card, the Green Card is good if you travel frequently. With its double points on purchases made through American Express Travel and the ability to redeem points in the same site, you could quickly rack up points if you fly a lot. However, the redemption options beyond this are limited. Additionally, while there's no annual fee the first year, the $95 every year after is a bit rough.… show more
Oct 30, 2013
This credit card is beneficial for frequent travelers only. The reward points seem to be only for travel related rewards which is a big limitation of the card. There are companies providing credit cards with 5 X cashback like discover which this card doesn't provide. There is an annual fees for this card which most of the companies and my credit card company do not charge. The required credit score is also excellent to get approved for this card. My credit card requires average score for approval. However I liked that there are no blackout dates or seat restrictions when you pay with your points. Overall this card offer is not attractive.… show more
Oct 25, 2013
The American Express green card is geared toward wealthy people who can pay their charge card off each month and want to earn rewards. There's no preset spending limit, so these cards can be dangerous. The first year is great because there isn't an annual fee, but every year after that you find yourself paying $95. You do get the benefit of the Global Assist Hotline which provides 24/7 emergency assistance when traveling more than 100 miles from home and roadside assistance. That has value. Rewards are pretty easy to earn and flexible. You earn about one point on the dollar spent and you can earn 2X points when you use American Express Travel. The points also transfer over to 17 Frequent Flyer programs, which is pretty cool. I gave it a two because it's not a card that most people would qualify for.… show more
Oct 17, 2013
I like how the American Express Green Card earns you points even though it is not a credit card. This is a great deal for a card that is used like a debit, you pay off the balance each month in full and you get miles and points to use for vacation. For people that need to get credit started, this card is great because you could most likely get this approved with no credit. This card reminds me of my first "secured" credit card, that card however did not earn me points or give me rewards, it simply built my credit. I would recommend this card for people who cannot get a standard mileage or points credit card.… show more
Oct 14, 2013
The American Express Green Card is a decent option if, for some reason, you don't want a credit card. As it is a charge card, you must pay off your balance in full each month or incur a fee of 2.99% with a minimum charge of $35. The only benefit you get from using this card is points for American Express Travel. You can find better travel benefits from a rewards credit card, including higher point rewards and extras like travel insurance and car insurance, neither of which this card provide. In addition to all the limitations of having an American Express card (which isn't accepted nearly as many place as Visa or Mastercard, especially overseas), after the first year you're hit with a $95 annual fee.… show more
Oct 10, 2013
The fact that there is no interest or annual fee for the 1st year is nice. I never knew there was a substantial difference between a "charge" and a "Credit" card... Honestly other than the immediate convenience in the very short term IE not having cash on you, I think the fact that this card has no spending limit AND is a charge card so the full balance has to be paid down each month makes it potentially dangerous to the impulsive, but then again you need excellent credit so It is unlikely to get into the hands of people who are prone to that sort of thing. I think the points transfer program to frequent flyer miles and the roadside assistance is good though.… show more
Oct 06, 2013
I like the fact that there is zero annual fee for the first year. For some people they do not like the fact they have to pay their entire balance. I think that this allows you to be able to control your spending, because you know what to keep your limit each month. It will hopefully cut down on the need to splurge, because you know that you will have to pay back the entire balance and there are no interest charges. I love the fact that you can transfer points to your flying balance if you are a frequent flyer. The more points means the less that you will have to pay when purchasing a plane ticket. I also love roadside assistance. My account now prepaid visa does not offer a lot of these features. I would say that this is a great card to have.… show more
Oct 02, 2013
The American Express Green Card offers a great rewards program for those with the appropriate credit. This card has extensive online options for keeping track of finances and managing your card, which is a great feature that can be useful to almost anyone. It is also nice that there is no annual fee for the first year, and that reward points are earned for every dollar that you spend with the card! The card also has no preset spending limit, which is nice for making larger purchases. A 24/7 emergency hotline for assistance rounds out this balanced, beneficial rewards card.… show more
Sep 25, 2013
The American Express Green Card is another travel related card from American Express that has subpar benefits. For a whopping $95 annual fee you get 2% on travel. It's ridiculously low compared to what other credit cards offer on travel. You can only redeem the points on travel related purchases, and if you transfer your points to other rewards programs you're going to get less than 1% back after the conversion. You have to pay off your balance every single month too, so it's not really a credit card. And on top of all that, this travel focused rewards card charges a 2.7% foreign transaction fee! Stay clear of this one.… show more
Sep 20, 2013
I would not recommend the American Express Green Card for several reasons. The main benefit you get with this card is 2% back on travel and 1% on everything else, but the card comes with a $95 annual fee. For comparison, the Capital One Venture card has a much lower annual fee an 2% back on everything. Plus, this card must be paid off in full every single month. Now while I've never paid a finance charge in my life, it's something to keep in mind if you ever need to use it as a credit card. The subpar benefits combined with a steep annual fee cannot let me recommend it to anyone when there are better alternatives out there.… show more
Sep 13, 2013
The American Express Green Card sounds like a great card to use if you are ok with paying the balance in full each month. The great news is that you eliminate interest charges that way. The late fee charges are actually very reasonable compared to other cards I have had in the past. My Bank of America Visa charges $65 for a late fee. It sounds great not to have any blackout dates on travel points. My current card has so many blackout dates that I have to work around them while traveling. The $95 annual fee is pretty steep compared to other cards I have carried but the benefits may be worth it.… show more
Sep 09, 2013
The American Express Green Card is a decent choice if you're looking for a charge card. I think that the annual fee is slightly high, but the late fees are competitive with similar charge cards such as Discover. Paying your balance at the end of each billing period means you'll need to still be very responsible with your spending, but then there is no interest to worry about. The financial tools they offer like managing your account online, and the points incentive program make this card worth checking out. You can even use your points to pay for travel expenses.… show more
Aug 26, 2013
The American Express Green Card is a great card that offers a great reward program. This card lets you earn points on anything you purchase, which is really nice. One of my most favorite features of this card is that it lets you use the points you earned to purchase merchandise from websites such as Amazon.com. This is a major plus for the American Express Green Card if you do a lot of online shopping like I do. This card does have an annual fee after the first year, which is $95 and I do not like that at all. I do not believe any card should have an annual fee and is the biggest negative to the American Express Green Card. It comes with purchase protection so that you are not reliable for any fraud if your card is stolen, which is very nice as some cards make you pay for this. If you do a lot of online shopping to earn or use reward points and do not mind an annual fee, the American Express Green Card is a great choice for a charge card.… show more
Apr 28, 2013
I first got my American Express card when I moved into my own place. There were a lot of things that I needed for my house and it was nice to have the opportunity to purchase what I needed without having to spend the money up front. I quickly learned that American Express is a charge card, not a credit card. I know I probably sound like an idiot for not knowing that but someone I managed to rack up close to $2000 after buying all that I needed for the house plus furniture. But it actually worked out okay. I could not pay it all up front, but I got on a payment plan. American Express withdrew $200 from my bank account on the last day of each month, and after 10 months - I had the card paid off and still got to keep all of the things that I had purchased from my new place. I did cancel the card but I would definitely open one again in the future when I am more prepared and have more money to pay it off every month.....… show more
Feb 21, 2013
My American Express credit card has worked out very well for me. There have been instances where I have needed to contact American Express about issues with a bill and also for charges that I did not incur. There customer service was excellent and professional, totally hassle free.
I try not use credit cards very much, but I must say when a sudden expense appears it is very comforting to know I have credit to cover. The extra time to think and rearrange the budget is invaluable.
I had gotten into substantial debt with credit cards in the past, but I learned my lesson. The American Express is world wide and well established so, I also have been able to use it trouble free in foreign countries. I would recommend this card for peoples who are in control of their finances.… show more
I try not use credit cards very much, but I must say when a sudden expense appears it is very comforting to know I have credit to cover. The extra time to think and rearrange the budget is invaluable.
I had gotten into substantial debt with credit cards in the past, but I learned my lesson. The American Express is world wide and well established so, I also have been able to use it trouble free in foreign countries. I would recommend this card for peoples who are in control of their finances.… show more
Sep 14, 2012
I have been an American Express member for 7 years, and I use my American Express Green Card all the time. I have found that most merchants accept it, and it is very convenient not to have a pre-set spending limit to worry about. I like earning points, and especially appreciate that I can link them to my Amazon account and pay for items using my American Express points. American Express’ website is very easy to use, and I have never had a problem processing payments or finding information online. In the few rare occasions that I’ve had to call their customer support it has always been a pleasant, fast, and polite experience. I’m very pleased with this card.… show more
Aug 15, 2012
They sent me an invite through the mail a few years back, I did not expect to get approved with a credit score of about 680 but to my surprise I was (unfortunately I had an item on my credit record at that time that I couldn't get rid of. Thankfully, it's since been successfully disputed.). So far I have been really satisfied with this card. No limit and no late fees. Excellent customer service. They are the true definition of "active monitoring". Last year they caught the theft of my card number really fast, before I had even saw my statement. Apparently, it was being used to make a bunch of internet purchases and the card company was able to quickly determine they were suspicious (compared to the quantity and nature of my usual spending activity). I had no clue what was going on, so what a relief to be contacted about the situation and discover my credit card number had been stolen, but then be immediately told that it's already been taken care of. I was so grateful. I love this card.… show more
Aug 15, 2012
We initially signed up for an American Express to help lay a good foundation for our Credit usage. We already had good credit scores, but we wanted to have a more history for when we got older. The only thing we used it for was once a month we bought a week’s worth of groceries with it, so we could easily pay it off each month. Once our first year was up, we decided to pay the fee to keep it only to continue to build credit. We had no problems with the card, but after that second year, we decided against keeping it. They offer good programs, but unless you travel most of them aren’t that great. We couldn’t justify the cost each year to keep the card, when it’s only purpose was to build credit. However, if we decide later to travel, we will likely pick it back up.… show more
Jun 27, 2012
I first got my American Express card when I moved into my own place. There were a lot of things that I needed for my house and it was nice to have the opportunity to purchase what I needed without having to spend the money up front. I quickly learned that American Express is a charge card, not a credit card. I know I probably sound like an idiot for not knowing that but someone I managed to rack up close to $2000 after buying all that I needed for the house plus furniture. But it actually worked out okay. I could not pay it all up front, but I got on a payment plan. American Express withdrew $200 from my bank account on the last day of each month, and after 10 months - I had the card paid off and still got to keep all of the things that I had purchased from my new place. I did cancel the card but I would definitely open one again in the future when I am more prepared and have more money to pay it off every month.… show more
Dec 14, 2011
A lot of people don’t include charge cards in their rewards credit card search, which is odd because charge cards are technically credit cards. Obviously, charge cards are generally for people with excellent credit and they require that you pay your balance in full every month, so they aren’t right for everybody, but they often have better rewards than traditional credit cards. From name alone, you’d therefore have to be encouraged by the American Express Green Card. I mean, it could be good for the environment or give you citizenship or something, but that’s doubtful since a card offering those things would definitely have a higher annual fee than $0 in the first year and $95 thereafter. Unfortunately, you’re bound to be disappointed by the Amex Green Card. It only gives you one point per dollar spent, 2 points for every dollar in travel purchases via American Express travel, and 10 points when you shop at www.membershiprewards.com/earn. The latter two things don’t really count either because credit card company run online shopping malls typically charge higher prices than you can find elsewhere, so these rewards offered by the American Express Green Charge Card aren’t really rewards at all.
So what cards will give you more green than the Amex Green Card? When it comes to charge cards, the Amex Gold and Platinum Cards offer much better rewards, but also come with steeper annual fees, so you would have to determine how much practical benefit you’d get from these rewards and how much it’d be worth to you. When it comes to credit cards, it really depends on your biggest expenses, but cards like the Capital One Cash Credit Card, which offers 1.5% cash back across all purchases, and the Chase Sapphire Preferred Card, which offers a $500 initial rewards bonus, 2 points per dollar on travel and dining, and 1 point on everything else, would both be better options than the American Express Green Card.… show more
So what cards will give you more green than the Amex Green Card? When it comes to charge cards, the Amex Gold and Platinum Cards offer much better rewards, but also come with steeper annual fees, so you would have to determine how much practical benefit you’d get from these rewards and how much it’d be worth to you. When it comes to credit cards, it really depends on your biggest expenses, but cards like the Capital One Cash Credit Card, which offers 1.5% cash back across all purchases, and the Chase Sapphire Preferred Card, which offers a $500 initial rewards bonus, 2 points per dollar on travel and dining, and 1 point on everything else, would both be better options than the American Express Green Card.… show more
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: November 1st, 2019 at 10:41
Related Credit Cards
If you are interested in the American Express® Green Card, check out the following credit cards as well:
Related Credit Card Categories
American Express® Green Card is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Nov 1st, 2019 at 10:41 ET