American Express Green Card vs. Discover it Chrome
On the criteria below, American Express Green Card wins 3 of 4. The verdict depends on which criteria matter to you.
American Express Green Card
Amex
Discover it Chrome
Discover
American Express Green Card wins 3 of 4 criteria here, making it the stronger all-rounder.
American Express Green Card wins on first-year math, earning ceiling, and travel insurance; Discover it Chrome wins on annual fee.
Pick the American Express Green Card if year-one math is your priority; take the Discover it Chrome if you want a cheaper card to keep long-term.
Who wins what
3 vs 1- First-year math American Express Green Card
American Express Green Card wins on bonus value minus annual fee.
- Annual fee Discover it Chrome
Discover it Chrome is $150 cheaper to keep.
- Earning ceiling American Express Green Card
American Express Green Card earns more on its best category (3× vs 2×).
- Travel insurance American Express Green Card
American Express Green Card carries built-in travel insurance.
By the numbers
- Annual fee
- $150
- Free
- Welcome offer (typical value)
- $640
- —
- First-year net
- +$490
- +$0
- Peak earning rate
- 3×
- 2×
- Top categories
- Dining Worldwide, Transit, Travel
- Gas, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- American Express Membership Rewards
- Discover Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.