American Express Green Card Review

This review was updated on February 8, 2019 – The American Express Green Card is sort of the granddaddy of credit cards, with a history as one of the first mass-marketed credit cards. But that was then, this is now, and the Green Card’s age is showing. Is the Amex Green Card still worth having? After a review of its features, we say “no.”

Hybrid Charge Card / Credit Card

The American Express Green Card used to be a “charge card,” meaning you charged your purchases to the card but were then obligated to pay off your complete balance when the bill came. You never paid interest because you always paid off your balance in full. This contrasts with credit cards, which allow you to pay less than the full amount you owe, but charge you interest when you don’t pay in full. These days the card is sort of a hybrid, allowing you to revolve purchases of over $100 from month to month (the “Pay Over Time” feature), while still requiring you to pay off smaller purchases at the end of each month. You’ll want to avoid revolving any balances, however, because the interest rate you’d pay is a terrible 20.49%.

Annual Fee

The American Express Green Card has an annual fee of $95, but that fee is waived for the first year, giving you a year to decide whether the benefits of the card are worth the yearly cost.

Rewards & Perks

The Amex Green Card offers limited rewards, including:

  • Points in the American Express Membership Rewards program. You get 1 point per dollar charged to the card, except when you use the card at, in which case you get 2 points per dollar. Membership Rewards points can be used toward travel rewards and a host of other rewards; go here to see some of the Amex Green Card options. Note that you can transfer points into a number of airline and hotel rewards programs, including Delta, Hawaiian, Marriott, Hilton, and more.
  • 25,000 bonus Membership Rewards points if you spend at least $1000 with the card in the first three months of having it.

American Express also has a long list of perks that are “nice to haves” but either won’t be used by the majority of cardholders or are matched by pretty much every other major credit card. These include things like car rental insurance, baggage insurance, extended warranty protections, etc.

The only two perks exclusive to American Express (though not exclusive to the Green Card, any Amex will do) that we feel are noteworthy:

  • Free ShopRunner membership, which gives you free shipping from over 100 online stores
  • Entertainment access, which gives you first dibs on certain tickets or gives you access to events exclusively for Amex customers. This perk is better for those who live in larger cities where more of the cardholder-only events happen (especially New York). Amex is not the only card issuer to offer this type of entertainment access, but if that interests you, it might be good to have an Amex in your wallet (but maybe not this one).

Comparison to other Amex Charge Cards

There are two other American Express charge cards that have higher annual fees than the Green Card but actually have more of a reason for being:

  • The Amex Platinum Card has an annual fee of $550 but offers a host of travel rewards, rebates, and perks that the Green Card does not have. This card is not for everyone, but many frequent travelers love it because it gives them a real VIP experience, making life on the road a little less exhausting.
  • The American Express Gold Card has an annual fee of $250 but offers 4 points per dollar on restaurant and supermarket purchases, 3 points on flights, a $100 airline fee credit, and a 50,000-point bonus opportunity for new cardholders.

Overall, most people are going to prefer one of the cards above if looking specially at American Express cards, even with the higher fees.

Who is the Amex Green Card for?

For a card that charges $95 per year and has paltry rewards and perks, it’s hard to make a case for the Amex Green Card over many other cards on the market. There used to be a certain status associated with holding an American Express Green Card, but that is long gone. The other major credit card issuers have caught up on rewards and perks, and even American Express rarely features the Green Card in its marketing.

So why does it exist? Well, some people may not care much about card rewards or about the credit card market in general. The Amex Green Card is a known commodity — even though it objectively stacks up poorly to much of the card market, it’s got a long-standing reputation for reliability, which is enough for some people.

Bottom Line

If you care enough to have read to this point in the review, the American Express Green Card is probably not for you. You are probably interested in the greater rewards and perks you can get from American Express’ other charge cards or credit cards, or you’d be just as satisfied with a no annual fee credit card that has greater rewards. The Amex Green Card is a bit of a dinosaur — it has its fans, but they are seriously dwindling in number.