Apply for the American Express Green Card

Amex Green: travel, dining, perks.

Financial Analyst - Sarah Mitchell 27/01/2025 18/06/2025

Apply for the American Express Green Card

Card Overview

The American Express Green Card is one of the flagship cards in the Membership Rewards program, offering 3x points on travel, transit, and dining purchases globally.

The card also provides valuable perks, including travel insurance, purchase protection, and access to exclusive American Express experiences.

While there’s a $150 annual fee, the rewards and benefits can easily offset this cost, particularly for frequent travelers and those who dine out often.

Quick Facts:

Annual Fee: $150.
Rewards Rate: 3x points on travel, transit, and dining; 1x points on other purchases.
Welcome Bonus: Check the American Express website for the latest sign-up offers.
Foreign Transaction Fees: None.
APR: Variable, based on creditworthiness.

Why Choose the American Express Green Card?

The American Express Green Card is packed with features that appeal to frequent travelers and those who enjoy premium experiences.

Here’s why it stands out:

Outstanding Travel Rewards

Earn 3x Membership Rewards points on a broad range of travel purchases, including flights, hotels, car rentals, cruises, and transit options like trains, taxis, and rideshares.

The card supports everyday travelers by including transit options alongside traditional travel expenses.

Elevated Dining Perks

Earn 3x points on dining, covering restaurants, cafes, bars, and even delivery services like Uber Eats.

This makes it ideal for food lovers who dine out or order in regularly.

Flexible Membership Rewards

Redeem points for travel bookings, gift cards, statement credits, or merchandise through the American Express Membership Rewards® portal.

Transfer points to over 20 airline and hotel loyalty programs, including Delta SkyMiles®, British Airways Executive Club, and Hilton Honors, often at a 1:1 ratio.

Exclusive American Express Experiences

Enjoy early access to tickets for concerts, sports events, and premium dining experiences through Amex Offers.

No Foreign Transaction Fees

The card is an excellent companion for international travel, as there are no foreign transaction fees on purchases made abroad.

American Express Green Card

How to Apply for the Card

Visit the Official American Express Website:
Begin by navigating to the official American Express website. Look for the section dedicated to the American Express Green Card, where you can find comprehensive details about its features, benefits, and eligibility criteria.

Complete the Online Application Form:
Fill out the online application with your accurate personal and financial details. Make sure that all the information is current and correct, as any inaccuracies may delay the review process.

Submit Required Documentation:
Depending on your financial profile, you might be asked to provide additional documentation, such as proof of income, identification, or residency. Having these documents prepared in advance can help expedite the review process.

Review the Terms and Conditions:
Carefully read through the terms and conditions associated with the card. It is essential to understand details such as interest rates, annual fees, reward structures, and other specific benefits of the American Express Green Card.

Submit Your Application:
After verifying that all necessary fields are complete, submit your application. You will receive an email confirmation along with details about the next steps and an estimated timeframe for the analysis of your application.

Drawbacks of the American Express Green Card

While the card has many advantages, there are some potential downsides to consider:

Annual Fee

The $150 annual fee may not be ideal for individuals who don’t frequently travel or dine out.

Limited Reward Categories

The card excels in travel and dining but doesn’t offer elevated rewards for other spending categories like groceries, gas, or online shopping.

No Introductory APR Offer

Unlike some competitor cards, the American Express Green Card does not provide a 0% APR introductory period for purchases or balance transfers.

High Credit Score Requirement

Approval typically requires a good to excellent credit score (above 670), which may limit eligibility for some applicants.

Limited Value for Cash Back

The card’s primary strength lies in its travel and points transfer benefits. If you’re looking for a straightforward cash-back option, this may not be the best fit.

Eligibility Requirements

To apply for the American Express Green Card, you’ll need to meet the following criteria:

Credit Score

A good to excellent credit score (typically 670 or higher) is required.

Age and Residency

Applicants must be at least 18 years old and a resident of the United States.

Verifiable Income

A stable income source is necessary to ensure you can responsibly manage the card’s credit limit.

Identification

A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required.

Existing Relationships

While not mandatory, having a prior relationship with American Express may improve your chances of approval.

Fees and Costs

Here’s a detailed breakdown of the costs associated with the American Express Green Card:

Fee Type	Amount
Annual Fee	$150
Foreign Transaction Fees	None
APR (Variable)	Based on creditworthiness
Late Payment Fee	Up to $40
Returned Payment Fee	Up to $40
Cash Advance Fee	$10 or 5% of the amount (whichever is greater)

Frequently Asked Questions

What is the value of Membership Rewards® points?

The value varies depending on redemption options. Points are typically worth 1 cent per point for travel booked through the Membership Rewards® portal. However, transferring points to travel partners can yield higher value.

Are there spending limits for rewards?

No, there are no caps on the points you can earn with the American Express Green Card.

Does the card offer travel insurance?

Yes, the card includes trip delay, trip cancellation, and baggage insurance to protect your travel plans.

Can I use this card abroad?

Absolutely. The card has no foreign transaction fees, making it a great choice for international purchases.

Does the card have a sign-up bonus?

American Express frequently updates its welcome bonus offers. Check the latest promotions on the official website.

How does the Green Card compare to other Amex cards?

The Green Card is positioned as a mid-tier travel rewards card, offering more benefits than the Blue Cash Everyday® Card but fewer than the American Express Gold Card.

The American Express Green Card is a premium option for individuals who value travel and dining rewards.

Its 3x points on travel and dining, no foreign transaction fees, and versatile redemption options make it a strong contender for those seeking to enhance their lifestyle.

However, it’s important to assess your spending habits and ensure the $150 annual fee aligns with the value you’ll derive from the card.

If you’re a frequent traveler or someone who dines out often, the card’s benefits can easily outweigh the costs, making it a valuable addition to your wallet.

About the author

Financial Analyst - Sarah Mitchell

Content producer

based finance expert focused on credit cards, personal budgeting, and smart money habits. She helps readers make informed financial decisions with clear, trustworthy advice tailored to everyday life.