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One of the first American Express rewards credit cards was its American Express® Green Card. Maybe you owned one once upon a time before upgrading to the American Express® Gold Card or The Platinum Card® from American Express. Like the recent Platinum Card and Gold Card upgrades, this American Express Green Card review covers all the new changes to this card.

american express green card review
In this American Express Green Card review, you can learn how you use the card to see the Northern Lights. Photo by stein egil liland from Pexels

The information for the American Express® Green Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

In-Depth American Express Green Card Review

If you’re looking for an entry-level travel rewards credit card, the American Express® Green Card is an attractive option once again. This can even be a good alternative to the Citi Premier® Card and even the Capital One Venture Rewards Credit Card.

For instance, you can earn up to 3x Membership Rewards on purchases. You also get an annual CLEAR and LoungeBuddy credit.

Let’s take a look under the hood to see if the new and improved Green Card is worth it. In addition to the new card design and benefits, the Green Card is also made of up to 70% recycled plastic. It’s green in multiple ways.

30,000 Membership Rewards Welcome Bonus

You earn 30,000 bonus Membership Rewards points after spending $2,000 in the first 3 months. This bonus is worth $300 in award travel booked on AmexTravel.

Earn Up to 3x Membership Rewards on Purchases

You will earn unlimited 3x Membership Rewards points per $1 spent on these purchases:

  • Eligible Travel (including transportation, flights, hotels, and tours)
  • Rideshare transit
  • Restaurants (including takeout and delivery)

Even your international purchases for these three categories earn 3x points. This seems to be a growing trend for American Express rewards cards which usually only award bonus points on U.S. purchases.

All remaining purchases earn 1x Membership Rewards point per $1 spent.

Redeeming Membership Rewards Points

Your Membership Rewards points can be redeemed for award travel, cash rewards, and gift cards. Your rewards points are most valuable when redeemed for award flights on and gift cards. Each point is worth 1 cent each.

Another redemption option is transferring your points to the Membership Rewards airline and hotel partners. Most partners let you transfer points at a 1:1 ratio. Some of the best airline transfer partners include Delta, Emirate, British Airways, and Singapore Airlines.

Some of these benefits are comparable to some of the best Chase business credit cards.

Additional Card Benefits

There are a few benefit credits (worth up to $200 per year). Cardholders can earn up to $100 in annual statement credits for CLEAR® membership as well as up to $100 in annual statement credits to access 750+ airport lounges globally through LoungeBuddy. If you currently pay for CLEAR or LoungeBuddy access, these two credits alone are worth more than the $150 annual fee (See Rates & Fees).

Plus, for a limited time, cardholders can earn up to $80 in total statement credits on wireless telephone services. You get up to $10 per month, from May 2020 through December 2020. This is one of the added American Express bonus benefits to help during the COVID-19 pandemic.

$100 CLEAR Credit

A growing number of travel credit cards offer a Global Entry or TSA PreCheck application fee credit. The next big benefit trend might be CLEAR application credits. If you’re unfamiliar with CLEAR, it’s an expedited security line you can pass through before you reach the TSA airport security area.

Without this $100 credit, you pay $189 per year for CLEAR. Delta and United Airlines both offer discount CLEAR membership ($119/year or less depending on your loyalty status). This credit applies to primary and authorized users. So if you don’t use the entire credit yourself, another cardholder can use the remaining credit balance.

You will still need to purchase TSA PreCheck or Global Entry if you want to use these specific services and avoid security lines.

Learn more: Is TSA PreCheck, Global Entry, or CLEAR best?

$100 LoungeBuddy Credit

Another unique air travel benefit is an annual $100 LoungeBuddy credit for one-time visits. LoungeBuddy passes start at $25 per visit, making this credit worth up to 4 free visits each year.

If you only visit airport lounges a handful of times each year, this benefit is nice to have. But you should consider the Platinum Card from American Express if you plan on visiting lounges more often. The Platinum Card gives you free access to The Centurion, Priority Pass, Delta Sky Club, Air Space, Escape, and Plaza Premium lounge networks.

There are lounge locations in most major international airports across the world. Note that the selection is far smaller than Priority Pass, which is the standard credit card lounge network benefit.

Secondary Rental Car Insurance

You get secondary collision and theft damage waiver coverage on most car rentals. This coverage can cover expenses your primary insurance policy won’t. One example is the insurance deductible before your primary insurance benefits apply.

Having some of the best credit cards with roadside assistance is always nice to have in your wallet.

Baggage Insurance

On common carrier travel (i.e., plane, train, ship, bus, etc.), your carry-on baggage is insured up to $1,250 and checked bagged up to $500. New York State residents have a total coverage limit of $10,000 for all covered persons per trip.


Free 2-day ShopRunner shipping at more than 100 online stores. This is a common benefit for most American Express credit cards.

No Preset Spending Limit

Your maximum spending limit depends on your monthly spending habits and other factors. You will need to pay your balance in full each month to avoid interest charges.


Your annual fee is $150 (even during the first year). There is no foreign transaction fee (See Rates & Fees).


  • Earn 3x Membership Rewards on all travel, rideshare, and dining purchases
  • Annual $100 CLEAR credit
  • Annual $100 LoungeBuddy credit
  • 30,000 bonus Membership Rewards after spending $2,000 in the first 3 months
  • No foreign transaction fee


  • Not all travelers will benefit from CLEAR or LoungeBuddy credits
  • $150 annual fee is higher than other travel credit cards

Summary of American Express Green Card Review

The American Express Green Card is a competitive option for occasional travelers wanting to earn American Express Membership Rewards. However, you will need to use the CLEAR and LoungeBuddy credits to make the $150 annual fee worth it. Even so, this card can easily be one of the best American Express Credit Cards.


What is the American Express Green Card annual fee?

The annual fee is $150 for the American Express Green Card. The fee is not waived for the first year.

What are the American Express Green Card travel benefits?

After the late-2019 relaunch, the American Express Green Card provides these travel benefits:

  • Annual $100 CLEAR credit
  • Annual $100 LoungeBuddy credit
  • Secondary rental car collision and theft damage waiver coverage
  • Carry-on and checked baggage insurance
  • No foreign transaction fees

What credit score is needed to get the American Express Green Card?

You can most likely get the American Express Green Card with a 670+ credit score. This is the start of “good credit.” But having a score near or above 740 gives you the best approval odds as you will have “excellent credit.”

Premium cards like the Platinum Card from American Express and Gold Card from American Express require a 740 credit score or higher to have the best approval odds.

For rates and fees of the American Express® Green Card, please click here.


Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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