The American Express® Green Card is a versatile charge card designed for consumers who want to earn rewards while enjoying flexibility in their spending.
With a strong emphasis on travel and dining, this card allows you to earn Membership Rewards® points on a wide range of purchases, making it an excellent option for those who want to maximize rewards in categories like restaurants and travel.
It offers 3 points per dollar on restaurants, takeout, and delivery, as well as 3 points per dollar on travel, including flights, hotels, car rentals, and transportation.
About American Express
American Express is a renowned financial services company that is widely known for its premium charge cards and credit cards.
Founded in 1850, American Express has become a leader in the financial industry, offering a range of products that cater to both personal and business needs.
The company is particularly recognized for its outstanding customer service, exclusive rewards programs, and global presence.
American Express is also known for offering cards that focus on luxury, travel, and lifestyle benefits, positioning itself as a leader in the premium card market.
With a global network of merchants that accept American Express, cardholders can enjoy an elevated level of service and rewards wherever they go.
Who is this card for?
The American Express® Green Card is perfect for:
- Travel enthusiasts: If you frequently travel for business or leisure, the card offers 3 points per dollar on travel-related purchases, making it ideal for accumulating rewards in this category.
- Food lovers: With 3 points per dollar on dining, takeout, and delivery, the Green Card is also a great option for those who frequently dine out or order food for delivery.
- Consumers who prefer charge cards: Unlike traditional credit cards, the American Express® Green Card is a charge card, meaning the balance must be paid in full each month. This is ideal for individuals who prefer to avoid carrying a balance and paying interest.
- Frequent shoppers: If you tend to spend a lot on travel-related services or dining, this card offers a generous return on your spending.
- Those looking for travel protection: The card offers a range of travel protection benefits, including trip cancellation insurance and lost luggage reimbursement, making it an attractive option for those who prioritize travel security.
Card Advantages
The American Express® Green Card offers a variety of advantages:
- 3 Points per Dollar on Travel: Whether you’re booking a flight, staying at a hotel, or using public transportation, you’ll earn 3 points per dollar on all your travel-related purchases, making it a great card for those who travel frequently.
- 3 Points per Dollar on Dining: This card also offers 3 points per dollar on dining, including restaurants, takeout, and delivery services. This makes it a fantastic option for those who regularly dine out.
- Welcome Bonus: New cardholders can earn 60,000 Membership Rewards® points after spending $3,000 in purchases within the first 3 months of account opening. This can be redeemed for up to $600 in travel, merchandise, or other rewards through the Membership Rewards® program.
- No Foreign Transaction Fees: For those who travel abroad, the American Express® Green Card does not charge any foreign transaction fees, making it a great option for international travel.
- Trip Protection: The card offers trip protection benefits, including trip cancellation insurance and lost luggage reimbursement, which can provide peace of mind while traveling.
- Access to Exclusive Events: American Express cardholders get access to exclusive events, including concerts, sports events, and special offers that are not available to the general public.
- Global Acceptance: The card is widely accepted around the world, allowing you to use it for purchases wherever American Express is accepted.
- Flexible Redemption: Rewards points earned through the card can be redeemed for travel, shopping, gift cards, or even transferred to frequent flyer programs with partner airlines.
Additional Benefits
In addition to its core advantages, the American Express® Green Card offers a variety of additional benefits:
- Extended Warranty: For purchases made with the card, American Express extends the manufacturer’s warranty for up to 1 additional year, giving you extra peace of mind when making purchases.
- Global Assist Hotline: If you’re traveling more than 100 miles from home, the Global Assist Hotline can provide you with emergency assistance services such as medical referrals, legal help, and travel support.
- Personalized Concierge Service: The card includes a concierge service that can help with a wide range of personal requests, from booking reservations to securing tickets for exclusive events.
- Travel Insurance: The card offers travel insurance benefits, including trip delay insurance and car rental loss and damage insurance, helping protect you during your travels.
- American Express Offers: Cardholders can take advantage of special offers at various retailers, restaurants, and travel partners, helping them save money on purchases.
Fees and charges
Late Payment: Up to $40;
Returned payment: Up to $40;
● APR: 20.24% - 28.24%;
● Cash Advance: either $10 or 5% of the amount of each cash advance.
Expert review
The American Express® Green Card offers solid rewards for travelers and those who enjoy dining out.
It earns 3x points on travel and 2x points on restaurants, which makes it ideal for frequent flyers and food lovers.
Additionally, it provides valuable travel perks like no foreign transaction fees and access to Amex Offers for discounts.
However, it comes with a $150 annual fee, and the points redemption options may not be as flexible as those of higher-tier cards.
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+Positive points
- 3x points on travel: Earn 3x points on travel, including flights, hotels, and transit.
- 2x points on restaurants: Get 2x points on dining out, including takeout and delivery.
- No foreign transaction fees: Enjoy no foreign transaction fees, making it great for international use.
- Amex Offers: Access to exclusive discounts and offers through the American Express program.
- Flexible points redemption: Points can be redeemed for travel, gift cards, or statement credits.
- Negative points
- $150 annual fee: Comes with a $150 annual fee, which may be a downside for some users.
- No welcome bonus: Unlike other cards, the Green Card doesn't offer a substantial welcome bonus.
- Limited premium benefits: Lacks high-end travel perks such as airport lounge access or comprehensive insurance coverage.