American Express Green Card

The Amex Green is the entry-tier charge card in Amex's lineup, earning 3X on the categories travelers lean on most, which are restaurants worldwide, transit worldwide, and travel. The $209 CLEAR+ credit on its own offsets the $150 annual fee for anyone who uses it, and the flexible-points earning is upside on top of that. Comparable cards such as the Chase Sapphire Preferred carry similar rates at cheaper fee tiers, so the Green wins primarily for travelers who already collect Membership Rewards.

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Metal card

Annual fee

$150

$12.50/mo equivalent
Welcome offer

40,000 points

≈$600 at our valuation
after $3,000 in 6 months
Recommended credit

700-800

Median 720. See why →

Earning rates

on American Express Membership Rewards

3x

Dining Worldwide

Restaurants worldwide
3x

Transit

Worldwide
3x

Travel

Worldwide
1x

Everything else

Benefits and credits

Travel credits and perks

$209 CLEAR+ Credit

$209/year

Lifestyle credits

American Express Venue Collection

$250

Purchase and protection benefits

Extended Warranty

Up to $10,000
Purchase Protection

Up to $1,000 · 90d

Travel and purchase coverage

Lost luggage
Rental car collision damage waiver

Secondary coverage
Trip delay reimbursement

Secondary coverage

Pricing and fees

Full Pricing and Terms

Pay Over Time APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: Not applicable; Fee Not applicable
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Personal charge card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

See all comparisons

American Express Gold Card

Amex

The Amex Gold is built around dining and groceries, and it carries the highest non-promotional supermarket rate of any premium card.

$325 annual fee

View card Compare
Chase Sapphire Preferred

Chase · Visa

The Sapphire Preferred is the entry door to Chase's transferable Ultimate Rewards ecosystem at a $95 annual fee, with 5x on Chase Travel bookings, 3x on dining and online grocery, and a 10% anniversary points boost that compounds over years.

$95 annual fee

View card Compare
Citi Strata Premier Card

Citi · Mastercard

The Citi Strata Premier is Citi's mid-tier transferable-points travel card, and at $95 a year it leans on a broad 3x earning structure rather than perks.

$95 annual fee

View card Compare

Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.