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American Express Green Card — Full Review [2023]

Jarrod West's image
Jarrod West
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Jarrod West

Senior Content Contributor

440 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Kellie Jez
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Kellie Jez

Director of Operations & Compliance

1 Published Article 1171 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

American Express® Green Card

American Express® Green Card

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.
4.25

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

  • 40,000 points

  • $150

  • See Pay Over Time APR

  • Good to Excellent (670-850)

American Express® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

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.
4.25

The American Express® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

Card Snapshot

Welcome Bonus & Info

  • Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
  • Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
  • $189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card.
  • $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express® Green Card and receive up to $100 in statement credits annually.
  • Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
  • Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express® Green Card there are no foreign transaction fees.
  • $150 annual fee.
  • Terms Apply.

Pros

  • 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
  • Up to $189 per calendar year in statement credits after you pay for a CLEAR® Plus membership with the Card.
  • Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.
  • Access to American Express transfer partners
  • No foreign transaction fees

Cons

  • $150 annual fee
  • No elite benefits like airport lounge access or hotel elite status

The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Great Card If

  • You love to travel and dine out at restaurants
  • You can make good use of the annual credits for CLEAR Plus and LoungeBuddy
  • You want a card with flexible redemption options
  • You want a card with no foreign transaction fees

Don’t Get If

  • You prefer a card with no annual fee
  • You seldom dine out and prefer cooking at home
  • You don’t enjoy traveling or are unable to travel
  • You prefer a card with more travel benefits like airport lounge access or hotel elite status

Amex Green Card — Is It Worth It?

The Amex Green card is one of the best American Express Cards and is great for frequent travelers who enjoy dining out and can regularly take advantage of the Amex Green card’s perks and benefits.

For example, the card helps to elevate your travel experiences by providing you with an up to $189 statement credit for a CLEAR Plus membership, and up to $100 in LoungeBuddy credits.

When you combine those travel benefits with 3x Membership Rewards points per $1 spent on all eligible travel purchases, it makes for a very compelling option for consumers, especially when pairing it alongside other cards that earn Membership Rewards points card such as the American Express® Gold Card or The Platinum Card® from American Express.

Amex Green Card Travel Benefits

  • CLEAR uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. Receive up to $189 per calendar year in statement credits for CLEAR Plus, when you pay for a CLEAR Plus membership (subject to auto-renewal) with the Amex Green card.
  • Use the Amex Green card to purchase airport lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network — no memberships, elite statuses, or first class tickets required. You’ll receive up to $100 in statement credits per year on your LoungeBuddy purchases.

Best Ways To Earn and Redeem Your Amex Membership Rewards Points

The Amex Green Card is great at earning points thanks to its multiple 3x bonus categories. That said, there are lots of other great ways to earn Amex Membership Rewards points to help you add to your stash.

Once you’ve built up a nice stash of points, you’ll want to read up on the best ways to redeem Amex Membership Rewards points for max value, so you can start planning out your future trips.

Our favorite way to redeem points is towards high-value redemptions like first and business class flights for pennies of their standard cost. If you want to learn how to make these redemptions, too, then read through our guide to the American Express transfer partners and how to use them!

Alternative Cards to the Amex Green Card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

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.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel.
60,000 points
$1,200
$550
22.49%-29.49% Variable
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.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros

  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked through Chase TravelSM
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
  • $300 annual travel credit
  • Priority Pass airport lounge access
  • TSA PreCheck, Global Entry, or NEXUS credit
  • Access to Chase Luxury Hotel and Resort Collection
  • Rental car elite status with National and Avis

Cons

  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Financial Snapshot

  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card also offers 3x points per $1 spent on all travel and dining purchases, and the Chase definition of travel is just as broad as it is with the Amex Green card.

The card includes a $300 annual travel credit, offers better lounge benefits via a Priority Pass membership, and has better travel protection.

If this all sounds compelling then the Chase Sapphire Reserve card is definitely worthy of considering. For a more detailed look at these 2 cards, check out our head-to-head comparison: Amex Green card vs. Chase Sapphire Reserve®

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

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.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
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.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

There’s a lot to love about the Capital One Venture card. Airline transfer partners, a statement credit for Global Entry or TSA PreCheck application fee, and 2x on all other purchases.

If the majority of your daily spending comes from purchases outside of dining and travel categories, then the Capital One Venture card might be a great option for you.

Learn more in our detailed comparison of these 2 cards: Amex Green card vs. Capital One Venture card

We’ve also compared the Amex Green Card to these other popular cards:

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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