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Business Green Rewards Card from American Express
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
$0 introductory annual fee for the first year, then $95
Business Green Rewards Card from American Express
This entry-level business card earns points for your business spending, which you can redeem in a simple-to-use rewards program. Business owners will appreciate the suite of tools designed to simplify finances.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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Learn More(at Amex's secure site)All information about Business Green Rewards Card from American Express has been collected independently by Upgraded Points.
Summary
The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
But did you know the familiar Green Card is available for your small business too?
The Amex Business Green card gives you the same great benefits of the personal card with added benefits for business owners!
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
Earn 2x for each dollar you spend on eligible purchases at amextravel.com
Earn 1x for each dollar you spend on eligible purchases
$0 introductory annual fee for the first year, then $95
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1087+ Expert Credit Card Guides
Great Card If
You and your employees travel frequently
You will use the suite of tools available for small businesses
You want a card that earns Membership Rewards points
Don’t Get If
You want the option to spread out your monthly payments (with interest)
You prefer to earn cash-back rewards
You travel outside the U.S. regularly and will incur foreign transaction fees
Welcome Bonus, Earning Categories, and Points
The Amex Business Green card usually has a decent welcome bonus (see table above), and a $0 introductory annual fee for the first year, then $95
You’ll also earn 1x points for each dollar you spend on eligible purchases.
Bottom Line: Earn 1x points for all purchases, but 2x when using the Amex Business Green card through the AmexTravel.com Portal. The card costs $0 introductory annual fee for the first year, then $95.
Benefits of the Amex Business Green Card
A nice feature of the card is that rather than having a set limit, you have a flexible spending limit.
Your limit will adjust based on your use of the card, payment history, and other factors to better meet the changing needs of your small business.
Membership Rewards points earned with the card can be redeemed for hundreds of rewards from airlines, hotels, restaurants, retailers, and other brands.
In fact, you can use Membership Rewards points to pay for part of a flight or hotel with AmexTravel.com through the Pay with Points program.
Bottom Line: There is no set credit limit on the Amex Business Green card; you have flexible spending power. You can also combine your points with other Membership Rewards cards to earn travel rewards!
Small Business Benefits
Small business owners will appreciate the fact that Amex Business Green card has a lower annual fee than other Amex business cards, and offers free employee cards.
The business credit card also comes with the many benefits offered by American Express to help run your business smoothly.
Take, for example, your account’s ability to connect to QuickBooks and ReceiptMatch, 2 tools that work together to help you manage your business expenses.
ReceiptMatch allows you to attach receipts, tags, and notes to your American Express card transactions, which can then be uploaded straight to QuickBooks.
Stay abreast of payment due dates, employee spending, and any suspicious activity on your card by setting up account alerts from your online account. You can always access your account through the online statements at the mobile and tablet apps.
If you don’t have time to review your statements and make payments, you can select a partner or employee to manage these tasks for you through the account manager feature.
Bottom Line: Small business owners will appreciate the many different Amex benefits that come from being a cardholder of the Amex Business Green card.
Perks With the Card
American Express has a reputation for offering some of the best credit card perks and insurances, from shopping and fraud protection to travel assistance.
For instance, with purchase protection, your purchases are protected against accidental damage and theft for up to 90 days from the date of purchase.
In addition, you can add up to 1 year to the original U.S. manufacturer’s warranty on items purchased with the card through the extended warranty feature.
Car rental loss and damage insurance can be invaluable if you and your team rent vehicles on a regular basis while traveling. This protects rental cars from theft or damage when you decline the collision damage waiver and pay with your card.
Speaking of traveling, the roadside assistance hotline can give you peace of mind when on the road. Just call the number on the back of your card to get help recharging a battery, changing a flat tire, or something else.
These are just some of the credit card insurances available when you use the card or other participating American Express credit cards.
Bottom Line: The Amex Business Green card comes with many different types of insurance and protections, including purchase protection, extended warranty, car rental insurance, and more!
Best Way to Maximize Amex Points
OK, so you can earn 2x points for booking through AmexTravel.com and 1x points for your other purchases. But how can you rack up as many points as possible with the Amex Business Green card?
Here are some tips to get you on your way:
Tip #1: Make your first purchase to get your bonus points. You have 3 months to do it and qualify for the welcome offer to receive the Membership Rewards points!
Tip #2: Get cards for your employees. The more people in your business earning points, the more points in your Membership Rewards. Plus, there’s no annual fee for the cards.
You’ll be happy to know you have control over employee spending limits. Set them online or by calling the number on the back of the card.
Tip #3: This is one of the American Express business cards that requires you to pay your balance in full each month.
Be sure to make your payment on time to ensure you don’t forfeit your Membership Rewards points and incur costly fees.
Tip #4: Do you have an American Express personal card that earns Membership Rewards? Link it to your business credit card and accumulate tons of Membership Rewards points!
Best Way To Redeem Amex Points
When it comes to redeeming Amex points, there are plenty of options, ranging in value from $0.006 per point to more than $0.02 per point.
Option #1: Statement Credit
Pay your Amex Business Green card statement balance with Membership Rewards points. Points are valued at $0.006 each when redeemed for a statement credit.
Option #2: Shopping
Gift Cards
Choose from a wide selection of Membership Rewards gift cards in a wide range of categories like dining, entertainment, and much more. The points value will vary depending on the gift card, but ranges between $0.006 and $0.01 per point.
You’ll find hundreds of technology, office, beauty, and other products in the online mall. You can even redeem for events. Redemptions in the shopping portal are valued at $0.005 per point.
Amazon.com and BestBuy.com
Want to pay for your Amazon.com and BestBuy.com shopping cart with Membership Rewards points? Points are valued at $0.007 per point when used directly with these 2 online retailers.
Option #3: Event Tickets
Tickets through Ticketmaster, Telecharge, and AXS
If you’re looking for tickets to an upcoming concert or event through Telecharge.com, Ticketmaster, or AXS, you can pay with Membership Rewards points. These points are valued at $0.005 each.
Option #4: Donate to Charity
For those who want to give back, donating to charity using Membership Rewards points can be a terrific opportunity. The first 500,000 points donated each calendar year are valued at $0.01 each. Make a donation starting at 1,000 points.
Option #5: Travel
Transfer to a Loyalty Program Partner
When you have an Amex card that can transfer points to partners, you open up the most valuable way to use your points.
Many hotel and airline loyalty programs currently participate. Transfer your points to most partners at a 1:1 ratio and redeem for as much as $0.02 per point!
You will have to pay a transfer fee of $0.0006 per point (up to $99), but when you consider the potential of piggybacking on the loyalty program redemption rate, it can the most valuable redemption option.
Redeem Points Through AmexTravel.com
Use your points to pay for all or part of your rewards travel, starting with 5,000 Membership Rewards points. Points for flights are valued at $0.01 per point, and other options are valued between $0.007-$0.005 per point.
There are no blackout dates, and you get a flexible seat selection!
Car Rentals and Amtrak
Redeem points toward rental cars and Amtrak starting at 5,000 points.
Drawbacks of the Amex Business Green Card
As with any credit card offer, there are a couple of drawbacks to the Amex Business Green card.
First, you must make your payments in full every month.
Another caveat is the lack of bonus earnings categories. Basically, you earn 1 point per $1 spent with the card with no extra points for purchases at office supply stores, restaurants, or other select categories.
Fees are another drawback of the card. There is a 2.7% foreign transaction fee on any purchases made while abroad.
Bottom Line: You must make payments in full each month with the Amex Business Green card, and unlike other business cards there aren’t any special bonus categories. It also has a 2.7% foreign transaction fee.
Alternatives to the Amex Business Green Card
The Blue Business® Plus Credit Card from American Express
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.
Financial Snapshot
APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 points
$2,200
$375
18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Pros & Cons
Pros
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply
Financial Snapshot
APR: 18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
If you would like to earn more for your spending in certain categories, you may prefer the Amex Business Gold card.
This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
The Plum Card® from American Express
If you and your employees regularly travel outside the country, you may find more value in a credit card without foreign transaction fees, such as the Amex Plum card.
Not only does it free you from foreign transaction fees, but this card also gives you a 1.5% discount when you pay your bill early. However, the annual fee is $250.
See below for some of our card comparisons with the Amex Business Green card:
The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the The Amex EveryDay® Preferred Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here. For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The Plum Card® from American Express, click here.
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