Edited by: Chris Dong
& Stella Shon
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Let’s get right to the point: the American Express® Green Card can be a very valuable card to have in your wallet if you’re a frequent traveler.
With a relatively low $150 annual fee (rates & fees) and several key perks that benefit travelers, you’ll find this card a go-to option if you’re on the road (or in the sky) at least semi-frequently.
This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
If you're approved and accept this Card, your credit score may be impacted.
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.
While there are many benefits of the Amex Green card, these are the ones that particularly stand out as valuable to travelers:
While the annual fee is certainly not the lowest of any credit card, it can be easily offset by the several valuable perks available.
Here’s where this card really shines for semi-frequent travelers who want to earn lots of Amex points: you can earn 3x Amex Membership Rewards points per dollar spent on several categories. This includes:
As you can see, these are pretty broad categories and cover a wide variety of things you’d normally spend on while traveling — from the travel itself to dining out to getting around. It’s a wide swath of everyday needs. One of the nice things about this card is that you earn 3x points no matter what travel brand you use the card at. For example, some hotel-specific credit cards may only earn at a particular hotel chain, but the Amex Green card earns points no matter the property. It’s also great for hotels that may not be affiliated with a particular chain, such as boutique properties.
While some cards only offer bonus points for airfare purchases, it’s nice to see the Amex Green card recognizes that not all travel occurs by air. For instance, this is a great perk for travelers in bigger Northeast metropolitan cities where Amtrak is a staple. In addition, there are lots of other services that can be used on a trip, such as rideshares and tolls, and this card rewards you for those purchases.
If you don’t have a CLEAR Plus membership, you’re missing out. CLEAR allows you to bypass the traditional TSA lines at major airports in the U.S. and head to the front of the line. With biometric verification, your identity is screened at a kiosk, and then you’re escorted to the front of the line to begin your security check. It can be especially valuable during peak travel times.
The Amex Green card comes with an annual CLEAR Plus statement credit of up to $189, and, fortunately, CLEAR Plus costs exactly $189. This means that your annual membership to CLEAR is complimentary when charged to the Amex Green card. The $150 annual fee alone would pay for the CLEAR Plus membership, even if you decided to not use any other benefit.Hot Tip:
If you already have CLEAR, either through another credit card or through elite status on select airlines, you can use your credit on family or friends who also may want a membership. Be sure to use the statement credit either way so it doesn’t go to waste!
The Amex Green card does not come with any Priority Pass membership or any formal lounge entry program. The good news is that it does come with up to $100 in annual LoungeBuddy statement credits that you can use to book individual lounge day passes using LoungeBuddy, an integrated Amex partner allowing access to lounges worldwide.
Simply book your lounge visit through the LoungeBuddy.com website or LoungeBuddy iOS mobile app and you’ll receive up to $100 in statement credits annually. Bookings start at $25, so assuming you can find visits for that cheap, you’d be able to visit 4 lounges over the course of a year.Hot Tip:
If you fly a lot and are in airports often, you may exhaust this allotment. There are other credit cards that offer lounge access.
The Amex Green card comes with a baggage insurance plan, so when you purchase your entire common carrier ticket (like airfare) with your Amex Green card, you’re covered if your bag becomes lost, damaged, or stolen during your travels. There are various nuances to what is covered, when, and for how much, and American Express has a detailed guide for the baggage insurance plan’s coverages on this card.
In general, you’re covered for the actual bag itself and the property that’s in that bag, with various exceptions. In addition, coverage amounts change depending on whether your bag is a carry-on bag or a checked bag.
The Amex Green card comes with secondary car rental loss and damage insurance, which is different than primary rental car insurance. In essence, if your rental car is damaged and you charged the entire rental to your Amex Green card, the insurance will cover any difference that your primary rental car insurance doesn’t pay, but you must first submit through them.
This isn’t as useful as primary insurance that is available on some other credit cards, which will cover the damage without you ever having to involve your personal insurance company. However, this is still a decent perk for those looking to supplement their coverage.
Note that Amex Green cardholders are able to purchase Premium Protection, primary rental car coverage, at a fixed price of between $12.25 and $24.95 for the entire rental duration (eligible rentals can be up to 42 total days in length). The policy includes rental car damage, theft, loss of use coverage, and accidental death/dismemberment coverage.
The Amex Green card is a great everyday card for frequent (or semi-frequent) travelers, thanks to the amount of points you can earn on travel purchases, and several key benefits such as an annual CLEAR Plus membership statement credit and baggage insurance plan.
Even if you’re not a frequent traveler, you can likely get great use out of this card if you use public transit often or pay for tolls on your commute to work. Either way, you’re sure to find great value with the Amex Green card.
For the car rental loss and damage insurance benefit of the Amex Green card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Amex Green card is known for the 3x points earning it provides on travel, transit, and dining purchases, as well as its annual CLEAR Plus credit of up to $189.
The Amex Green card is made from 70% recycled plastic. The card is not made of metal.
The Amex Green card carries an annual fee of $150.
This card doesn’t have a specific lounge membership included, but it does provide up to $100 in statement credits per calendar year to use at daily passes purchased via the LoungeBuddy app or website.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.