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American Express cards aren't accepted as widely as Visa and Mastercard are, but they do have some compelling travel benefits. The American Express® Green Card is no exception. The card has a generous intro bonus and rewards program that offers extra points for travel and dining purchases. Plus, with no foreign transaction fees, spending abroad is more affordable.
|Generous intro bonus||High annual fee|
|No foreign transaction fees||Less global acceptance than other issuers|
|Statement credit offers||No intro APR|
|American Express Customer Service|
P.O. Box 981535
While there's no introductory annual percentage rate (APR) for purchases or balance transfers, the Green Card card has a compelling intro bonus. Plus, card members receive triple the membership points for all eligible restaurant and travel-related purchases, including ride-hailing and taxis. Frequent jet-setters will also love the travel perks, such as statement credits for airport lounges, baggage insurance and the ability to redeem points for travel. While the Green Card does have a steep annual fee, it doesn't charge foreign transaction fees, so it won't cost you extra to spend while traveling abroad.
You'll earn 1 Membership Rewards point for nearly every dollar you spend with the Green Card, though you'll receive triple the points on eligible travel and dining expenses. Frequent travelers and diners can amass points quickly and use them to book travel, get gift cards, book experiences or cover previous charges on your account.
Attractive Intro Bonus but Hefty Annual Fee
The American Express® Green Card has a generous intro bonus for those who qualify: If you spend at least $2,000 on your credit card within the first 3 months of opening your account, you'll earn a whopping 30,000 Membership Rewards points.
On the flip side, the credit card comes with a $150 annual fee, which isn't cheap (though it is much less expensive than some other American Express cards). If you can earn the intro bonus, it could more than make up for the fee the first year at least. Also, if you use the card frequently, especially for triple-point purchases, you can rack up rewards that may help the card pay for itself. If you don't travel often, however, the fee might not outweigh the card's benefits.
Get Triple Points for Travel and Eating Out
The Green Card has extra incentives for those who are regular travelers and diners. For each purchase you make on eligible travel, including flights, train and subway rides, tours and hotels, you'll get 3 points per $1 spent. This also includes travel via taxi and ride-hailing, so if you use Uber or Lyft often, you can earn mega points this way. You also get 3 points per dollar spent at qualifying restaurants worldwide, so your rewards could add up quickly if you dine out often.
When you're ready to cash in your points, you can use the Pay with Points feature to book travel, get gift cards, go on immersive experiences or use your points to cover recent purchases you made with your card. The points never expire and there's no cap on how many you can earn, so you can save them up for a while if you want to use them for something big.
Purchase Flexibility With No Foreign Transaction Fees
One of the greatest perks of this card for travelers is the lack of a foreign transaction fee on international purchases. Many credit card issuers still charge this fee, which is a percent-based fee paid every time you swipe your card abroad. On bigger purchases and longer trips, it can add up. Since the Green Card doesn't have a foreign transaction fee, you won't have to pay anything extra when you make purchases out of the country or in foreign currency.
This American Express credit card also has a feature called Pay Over Time that gives you more flexibility with purchases. On eligible charges, you can decide whether you'd like to pay off your balance in full or carry a balance with interest (up to a set limit). While most credit cards allow you to do this, it's notable here since some American Express cards only function as charge cards, meaning you have to pay your balance in full at the end of each month. The Green Card lets you choose whether you'd like to pay right away or pay your purchases off over a longer period of time.
Extra Perks Let You Travel With Comfort and Confidence
The American Express® Green Card comes loaded with benefits for travelers, from safety features to luxurious perks. Here are some cardholders will enjoy:
- Baggage insurance plan: If you book travel with your American Express® Green Card—whether plane, train, bus or boat—you will be covered by insurance that helps protect you if your luggage is lost, stolen or damaged.
- Car rental loss and damage insurance: Pay for your rental car with your Amex and decline the rental company's damage waiver, and you'll get secondary coverage automatically to help cover you if your rental car is damaged or stolen.
- Global assist hotline: This benefit is available when you're traveling more than 100 miles from where you live. If you encounter an emergency and need medical assistance, legal assistance or passport help, this service is available 24/7 to assist you. They can also help with things such as emergency cash wires and missing luggage. There's a fee for the services, but they're made easily accessible as a cardholder.
- CLEAR statement credit: If you use your Green Card to pay for a membership with CLEAR, a biometrics service that lets you get through airport security faster, you'll get up to $100 per year in statement credits from American Express. This essentially reimburses you for over half the cost of a membership, which is currently $179 a year.
- LoungeBuddy statement credit: If you use your Green Card to buy airport lounge access through LoungeBuddy, you'll get up to $100 in statement credits each year. With LoungeBuddy, you can buy access to any airport lounge in their network without needing elite status, a membership or a first-class ticket. This means you'll get to relax in a few airport lounges each year at a reduced cost if you use your statement credits.
American Express also has a handy smartphone app so you can easily manage your account on the go. The Amex app is available for both Android users and iPhone users. With the app, you can check your transactions and account activity, view your balance, track your rewards and browse available rewards. You can also make payments and set up autopay from the app. Additionally, you can use the app to activate alerts that will keep you up to date on your account, including fraud alerts.
Cardholders can also view American Express offers through the app for dining, traveling and shopping, and it can point out available offers close to your physical location. You can also add your American Express card to your mobile wallet so you can make contactless payments.
|Purchase APR: See Rates & Fees||Grace period: 25 days|
|Transfer APR: N/A||Annual fee: $150|
|Cash advance APR: 26.74%||Balance Transfer Fee: N/A|
|Minimum Interest Charge: N/A||Cash advance fee: $10 or 5% (whichever is greater)|
|Foreign transaction fee: None|
|Late payment fee: Up to $39|
|Returned payment fee: Up to $39|
If you'd like to add a spouse or child to your Green Card account, you're in luck. American Express allows you to add additional card users as young as 13. If you add children, once they turn 18, the account activity can help them to start building credit.
You can set spending limits as low as $200 for each additional card member, in addition to spending alerts. Their expenses are listed separately on your statement, so it's easy to keep track of who made which purchases. Their purchases also help earn rewards, and they can take advantage of Amex Offers. Additional card members can also create their own personal login in the American Express app.
Is This Card Right for You?
If you're a frequent jet-setter or road warrior looking for a card that rewards you for your travels, the American Express® Green Card could be a good option for you. Its lack of foreign transaction fees is a big perk for international travelers, and earning triple points on all travel and dining purchases adds up fast. The $150 annual fee is significant, but those who take advantage of all the card has to offer may find the rewards and perks well worth it.