The American Express® Green Card gives you strong everyday travel and dining rewards. You apply online in minutes.
You manage your account in the Amex app. You get 3X points on travel, transit, and restaurants. You pay no foreign transaction fees.
You get a CLEAR® Plus credit that can offset the annual fee. Terms apply.
Quick Take: Is American Express Green Card Good?
Yes, if you travel or commute often. Yes, if you dine out and want broad 3X categories. It is not the right pick if lounge access is your priority.
The American Express Green Card annual fee is moderate relative to premium travel cards. The perks are simple. The earn rate is easy to use.
Rewards Explained
You earn 3X on a wide travel set. That includes flights, hotels, car rentals, cruises, and many third-party bookings.
You also earn 3X on transit. That covers rideshare, taxis, buses, subways, trains, ferries, tolls, and parking.
You earn 3X at restaurants worldwide. Takeout and delivery in the U.S. usually count.
All other eligible purchases earn 1X.
Benefits That Matter
Get up to $209 back in statement credits each year after you pay for CLEAR Plus with your card. If you already use CLEAR, this is real savings.
Plan It®: Split eligible purchases into fixed-fee monthly plans.
Pay Over Time: Carry eligible balances with interest on purchases that qualify. You should still aim to pay in full to avoid interest.
Purchase coverage: Benefits like purchase protection and extended warranty may apply. Terms and limits apply.
American Express Green Card Lounge Access
This card does not offer built-in lounge access. There is no Priority Pass or Centurion Lounge entry from the Green alone.
If airport lounges are essential for you, compare the Platinum Card®.
If you only use lounges a few times a year, you can buy access as needed and still keep Green for 3X categories.
Rates and Fees
These figures change. Your personal offer controls. Always check the current Rates & Fees page during application.
- Annual fee: $150.
- APR for Pay Over Time purchases: Variable. Based on the Prime Rate plus a margin. Your exact APR depends on creditworthiness and market rates.
- Cash advance APR: Variable and higher than purchase APR.
- Penalty APR: May apply if you make a late payment or a payment is returned. Variable.
- APR maximum: Cards like this often cap variable APRs near 29.99%. Your offer may differ.
- Plan It fee: A fixed monthly fee based on plan length and your account APR.
- Late/returned payment fee: Up to $40 each.
How To Apply Online
Go to the American Express website.
Enter your full name, SSN, address, income, and contact details. Review rates, fees, and terms.
If approved, you may receive a digital card number to start using the card right away. Physical delivery usually follows within a few business days.
American Express Green Card Requirements
You must be at least 18 and a U.S. resident for a personal card. You provide a valid SSN or ITIN. You share total annual income.
A good to excellent credit profile helps. American Express reviews your history with Amex and other issuers. Approval is never guaranteed.
American Express Green Card Login
You manage your account on the Amex website or in the Amex mobile app.
You use your User ID and password to see statements, make payments, set up autopay, redeem points, view benefits, and chat with support.
If you forget your credentials, use the “Forgot User ID or Password” recovery flow. You can also call support for help.
American Express Green Card vs Gold Card
Pick Green if you want broad 3X on travel, transit, and restaurants with a lower annual fee.
Pick Gold if most of your spending is in restaurants and U.S. supermarkets. Gold offers richer multipliers on those categories and recurring dining and rides credits.
Gold has a higher annual fee. If you can fully use Gold’s credits, it can return more value for heavy food and grocery budgets.
If you want a simpler profile and the CLEAR Plus credit, Green is cleaner.
Who Gets The Most
Each applicant is unique.
Choose Green if you
Travel or commute frequently and can capture 3X on travel and transit, and dine out often and want 3X at restaurants worldwide.
Can use the CLEAR Plus credit every year.
Do not need lounge access included.
Skip Green if you
Want airport lounge access as a core perk, or cannot use CLEAR at your home airport.
Spend heavily on groceries and dining, and can maximize the Gold Card credits.
Prefer a no-annual-fee card.
How to Get Value in Year One
Activate and use CLEAR Plus as soon as you receive the card. That offsets much of the annual fee.
Route dining and transit to Green for a steady 3X accrual. Book travel that qualifies for 3X to grow your balance faster.
Redeem points smartly. Aim for airline and hotel transfer partners when you can. Statement credits usually yield a lower value.
Avoid interest. Pay in full each month. Use Pay Over Time or Plan It only when needed. Cost will reduce your net rewards.
Useful Contacts
Customer Service (Personal Cards): 1-800-528-4800 (24/7; TTY via 711).
General card mail (Personal Cards): American Express, P.O. Box 981535, El Paso, TX 79998-1535.
Bill payment by mail: American Express, P.O. Box 96001, Los Angeles, CA 90096-8000.
Issuer (bank) main office: American Express National Bank, 115 W Towne Ridge Pkwy, Sandy, UT 84070.
Conclusion
You can apply online in minutes. You get strong earn rates on travel, transit, and restaurants.
You avoid foreign transaction fees. You can offset much of the fee with CLEAR Plus if you use it. The trade-off is no lounge access.
If that fits your profile, the Green Card is a good choice. If you need lounges or richer grocery and dining multipliers, consider Gold or Platinum instead.
Disclaimer: This content is information only, not financial advice. Card offers, rewards, rates, fees, credits, and eligibility rules change. Your APR, terms, and benefits depend on your approval and program updates. Always review the issuer’s Rates & Fees, Benefit Terms, and your Cardmember Agreement before you apply or use benefits.
