Travel on Point(s)

American Express® Green Card Review: A Broad Travel Earning Category

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

American Express® Green Card Review: A Broad Travel Earning Category

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

American Express® Green Card Review

The American Express® Green Card was revamped in 2019 to some fanfare. It was a vast improvement over the previous installment and we think it offers some value. In our American Express® Green Card review we will look at the welcome offer, earning structure, card perks and share our overall thoughts.

Current Welcome Offer

The Amex Green Card has the following welcome offer:

  • Earn 45,000 Membership Rewards after spending $2,000 on purchases in the first three months of account opening (terms apply). 
  • The card has a $150 annual fee. (Rates & Fees)

American Express® Green Card Review

Amex Application Rules

If you choose to apply, remember that Amex typically will not approve you for more than two Amex credit cards during a 90-day period. They also have a 10 card limit on the colored Membership Rewards earning cards. This includes personal and business cards. This is separate from the 5 card limit on credit cards. 

Amex also has a once per lifetime welcome offer rule on each card. This is more like every 5 – 7 years in reality though, and not actually your lifetime. That timeline is based off of when you last held a card, not when you last earned a welcome offer on the product though. If you are ineligible for the welcome offer for any reason American Express will usually let you know that with a pop-up before the application is processed. You can cancel the application at this time with no hard pull.

American Express® Green Card Review: Earning Structure

The Amex Green Card has the following earning structure:

  • 3x Membership Rewards points for
    • Travel
    • Restaurants worldwide
  • 1x points for all other purchases.

Amex Green Card Benefits

The Amex Green Card comes with the following notable benefits:

$189 CLEAR Statement Credit

You receive up to $189 per calendar year in statement credits when you pay for your CLEAR membership with your Amex Green Card. A one-year membership with CLEAR costs $179, and you can add additional family members for $50 per person (potentially even less with airline status). This benefit alone makes the Amex Green Card worthy of consideration for any frequent flyer who wants to breeze through security.

$100 LoungeBuddy Credit

The Amex Green Card offers up to $100 in statement credits per calendar year when you purchase lounge access through the LoungeBuddy app. LoungeBuddy is an airport lounge booking service that allows you to buy one-time passes to lounges in over 80 airports worldwide. Lounge visits through the app start at $25, so this benefit could net you 4 free lounge visits per year. LoungeBuddy can be a good way to supplement lounge access if you already have a Priority Pass membership, although a number of lounges available through LoungeBuddy are also Priority Pass lounges.

Baggage Insurance

The Amex Green Card comes with a Baggage Insurance Plan, which covers eligible lost, damaged, or stolen baggage when you purchase the entire fare on your card. Coverage can be up to $1,250 for carry-on baggage and up to $500 for checked luggage.

American Express® Green Card Review

Trip Delay Insurance

If your trip is delayed by more than 12 hours for a covered reason, the card’s trip delay insurance can reimburse up to $300 in expenses per trip. Covered reasons include certain inclement weather, terrorist action or hijacking, and a common carrier’s equipment failure. This benefit is limited to two claims per 12 consecutive months.

Car Rental Loss and Damage Insurance

The Amex Green Card can cover damage and theft for car rentals when you use your card to reserve and pay for the entire rental. For the insurance to apply, you must also decline the collision damage waiver at the rental car counter. The policy is subject to exceptions and does not cover certain countries, including Italy, Australia, and New Zealand. Keep in mind that this benefit provides only secondary coverage and does not include liability coverage.

ToP Analysis

The Amex Green Card tends to fly under the radar when compared to its bigger siblings, like the American Express® Gold Card and the The Platinum Card®. But with 3x per dollar for travel and restaurant purchases, and a reasonable annual fee, this card deserves everybody’s attention. To earn even 1 more point per dollar on either of those categories, you would have to spend at least another $100 in annual fees for the Amex Gold Card, and a lot more for the more expensive cards. Compared premium card’s annual fees that are $400+ more per year, the Amex Green Card’s $150 annual fee is sure to get you more for your money. 

Earning 3x points for travel and restaurant purchases makes the Amex Green Card a fantastic starter card for those first venturing into Membership Rewards. The $100 statement credits for CLEAR membership and LoungeBuddy also help (more than) offset the annual fee. If you don’t have an American Express card and are looking to start earning some Membership Rewards, this is a good option to get your feet wet with.

ToP Thoughts

The Amex Green Card stands out as a great all-around player with tremendous points earning potential and a modest annual fee. This is a great starting point for those looking to earn valuable Amex Membership Rewards. Share your thoughts on the Amex Green Card in our Facebook group!

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

SIGN UP TO RECEIVE
ToP TIPS STRAIGHT TO YOUR INBOX

We promise to keep things short, sweet, and packed with awesome insights!