American Express® Green Card
Basic Information
Program ID: green-card
Issuer: American Express
Card Type: Charge
Network: American Express
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:32
Last Scraped: 01/15/2026 05:28
Fee Structure
| Annual Fee: | $150.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-139.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 0.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $3,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Membership Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Travel (flights, hotels, transit, taxis, ride-shares, etc.), 3x Restaurants worldwide
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Delta, British Airways, Emirates, Hilton, Marriott, Air Canada, Singapore Airlines
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: American Express Green Card (2026) Application and Bonus Rules: Eligibility Requirements: - Must be 18 years or older. - Must have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). - A good to excellent credit history is generally recommended for approval. Welcome Bonus Rule: - One welcome bonus per card per lifetime: You are generally eligible to receive the welcome bonus for the American Express Green Card only once in your lifetime. If you have ever held this specific card and received its welcome bonus, you will likely not be eligible again. Application Rules (General American Express): - 1/7 Rule: You can typically only be approved for one American Express card (credit or charge) within a 7-day period. - 2/90 Rule (Credit Cards): Maximum of 2 American Express *credit card* approvals within a 90-day period. (Note: The Green Card is a charge card and generally does not count towards this specific credit card limit, but other Amex application rules still apply). - 2/90 Rule (General Amex Cards): Some data points suggest a broader limit of 2 American Express card approvals (credit or charge) within a 90-day period. This rule is often applied to prevent rapid accumulation of multiple Amex products. - Charge cards (like the Green Card) generally do not count towards the credit card approval limits, but are subject to the general Amex application frequency rules.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Manufactured spending (e.g., buying gift cards to meet spend), high cumulative credit limit across Amex cards, spending exactly the bonus threshold and then ceasing card use, unusual spending patterns inconsistent with stated income, rapid spending on new cards without clear justification, abuse of return policies, excessive credit limit increase requests, late payments, or triggering a financial review (FR) due to suspicious account activity or changes in financial profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent rewards on travel, transit, and dining; flexible Membership Rewards points; valuable travel credits like CLEAR and LoungeBuddy; no foreign transaction fees.
Top Negative Feedback:
High annual fee for some; limited bonus categories compared to other cards; not as premium as the Platinum Card; no direct airport lounge access.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- American Express Gold Card
- The Platinum Card from American Express
- Blue Cash Preferred Card from American Express
Card Value Score: 75.0 / 100
Est. Annual Rewards: $900.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0