American Express Green Card
$150/yr
American Express
American Express Green Card
4.0
(765 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The Amex Green offers broad 3x earning on travel, transit, and restaurants with Membership Rewards flexibility. The $100 CLEAR and $100 LoungeBuddy credits help offset the $150 fee. A good middle ground between the no-fee Blue Business Plus and the premium Gold/Platinum.
Annual Fee
$150
Purchase APR
21.49% – 29.49%
Rewards
1x base rate
Sign-Up Bonus
$400 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The American Express Green Card is best suited for established credit users who urban commuters who use transit and eat out frequently. The $150 annual fee pays for itself if you spend $15,000+/year on this card.
This card is great if you…
- 3x on travel/transit/dining
- CLEAR and lounge credits
- Membership Rewards flexibility
- Urban commuters who use transit and eat out frequently
Consider another card if you…
- $150 annual fee
- Credits require specific services
- Overshadowed by Gold card
Rewards Breakdown
3x travel, transit, restaurants, 1x everything else
| Category | Rate |
|---|---|
| Travel | 3x |
| Transit | 3x |
| Restaurants | 3x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Travel3x30%
Transit3x30%
Restaurants3x30%
Everything else1x10%
Sign-Up Bonus
40,000 Membership Rewards points after spending $3,000 in 6 months
Fees & APR
| Annual Fee | $150 |
| Purchase APR | 21.49% – 29.49% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
3x on travel/transit/dining
CLEAR and lounge credits
Membership Rewards flexibility
No FTF
$150 annual fee
Credits require specific services
Overshadowed by Gold card
The Bottom Line
The Good: The American Express Green Card stands out for its 3x on travel/transit/dining. The welcome bonus worth $400 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $150 annual fee. The $150 annual fee means you need to use the card actively to justify the cost.
Our Verdict: The American Express Green Card scores 7/10 — a solid option for urban commuters who use transit and eat out frequently. Make sure you'll earn at least $150 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the American Express Green Card?▾
The American Express Green Card has a $150 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the American Express Green Card?▾
The American Express Green Card currently offers a sign-up bonus worth approximately $400. 40,000 Membership Rewards points after spending $3,000 in 6 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the American Express Green Card?▾
The American Express Green Card earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the American Express Green Card?▾
The American Express Green Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the American Express Green Card charge a foreign transaction fee?▾
No — the American Express Green Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the American Express Green Card?▾
The American Express Green Card has a variable purchase APR of 21.49% – 29.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the American Express Green Card best for?▾
The American Express Green Card is best for Urban commuters who use transit and eat out frequently. A key advantage: 3x on travel/transit/dining.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $144Annual fee: $150
Spend at least $1,042/mo for the rewards to cover the $150 annual fee.
Based on 1x base rewards rate @ 1.2¢ per point. Bonus category spending may reduce your break-even point.
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