American Express® Green Card

American Express American Express Green Pending

Back Apply Now

13

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: green-card

Issuer: American Express

Card Name: American Express® Green Card

Card Type: Charge

Network: American Express

Card Tier: Green

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:32

Last Scraped: Jan 22, 2026 06:54

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Travel 3x Points Eligible travel, including flights, hotels, transit, and more. No Cap
Dining 3x Points Eligible purchases at restaurants worldwide. No Cap
Everyday 1x Points All other eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Membership Rewards Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Travel, 3x Transit, 3x Restaurants

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as account is active and in good standing.

Point Value: 0.02¢

Travel Portal Multiplier: 1x

Transfer Partners: Delta SkyMiles, British Airways Executive Club, Air Canada Aeroplan, Emirates Skywards, Hilton Honors, Marriott Bonvoy, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club

Redemption Penalties: Excise tax offset fee for transfers to U.S. airline partners ($0.0006 per point, up to $99).

Benefits & Protections (Detailed) 13 Total
PENDING
Account Services 1
Dispute Resolution
Assistance with unrecognized charges or purchase issues

If you see a charge you don't recognize or have an issue with a purchase, we can help. We'll work with you to help resolve the issue.

Purchase Protection 2
Purchase Protection
Coverage for accidental damage, theft, or loss for 90 days

Purchase Protection can help protect eligible purchases made on your Card in the event they're accidentally damaged, stolen, or lost for up to 90 days from the date of purchase.

Extended Warranty
Up to 1 additional year on manufacturer's warranty

When you use your Card for eligible purchases, you can get up to one additional year added to the original manufacturer's warranty.

Rewards 3
3X Points on Restaurants Worldwide
3X Membership Rewards Points

Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the U.S.

3X Points on Travel Purchases
3X Membership Rewards Points

Earn 3X Membership Rewards® points on eligible travel purchases, from airfare to hotels to transit.

1X Point on Other Eligible Purchases
1X Membership Rewards Point

Earn 1X Membership Rewards® point on all other eligible purchases.

Travel 1
No Foreign Transaction Fees
0% Foreign Transaction Fees

No Foreign Transaction Fees on purchases made abroad.

Travel Assistance 1
Global Assist Hotline
24/7 emergency coordination and assistance services

When you're traveling more than 100 miles from home, you can rely on Global Assist Hotline 24 hours a day, 7 days a week for medical, legal, financial or other select emergency coordination and assistance services. Card Members are responsible for the costs charged by third-party service providers.

Travel Credit 2
CLEAR® Plus Membership Credit
Up to $189 per calendar year

Receive up to $189 back per calendar year on your CLEAR® Plus Membership when you pay with the American Express® Green Card.

LoungeBuddy Statement Credit
Up to $100 per calendar year

Receive up to $100 in statement credits per calendar year for LoungeBuddy purchases when you pay with the American Express® Green Card.

Travel Insurance 2
Car Rental Loss and Damage Insurance
Coverage for damage or theft of rental vehicle

When you use your eligible Card to reserve and pay for the entire rental and decline the optional collision damage waiver (CDW) offered by the car rental company, you can be covered for damage to or theft of a rental vehicle. Coverage is secondary.

Baggage Insurance Plan
Coverage for lost, damaged, or stolen baggage

Baggage Insurance Plan coverage can be an important benefit when you book your entire trip on an eligible Card. Coverage for eligible lost, damaged, or stolen baggage.

Welcome Offer 1
Welcome Offer: Membership Rewards Points
40,000 Membership Rewards Points

Earn 40,000 Membership Rewards® Points after you spend $3,000 on eligible purchases with your new Card within the first 6 months.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Sign-Up Bonus
PENDING

45,000

Points/Miles

Requirement: Spend $3,000 in 180 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of statement closing after meeting the spend.

Fee Structure
PENDING
Annual Fee: $150.00
Year 1 Waived: No
Effective Annual Fee: $-50.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 0%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Pay Over Time

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
690 - 799
Very Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the American Express Green Card in 2026 requires applicants to be 18 years or older with a valid SSN or ITIN and a good credit history. A key application rule is the 'once per lifetime' welcome bonus policy, meaning you are only eligible to receive the welcome bonus for this specific card once. Additionally, applicants are subject to the '2/90 rule,' limiting new credit card applications to a maximum of two within any 90-day period. While the Green Card is a charge card, this rule applies as per issuer guidelines. Approval is also contingent on meeting Amex's internal underwriting criteria.

Max Cards Per Issuer: 5

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, reselling), high cumulative credit limits across Amex cards, spending patterns inconsistent with declared income, frequent large cash equivalent transactions, abuse of return policies, failure to pay balances on time, and triggering a financial review (FR) are common triggers for account shutdown or adverse action.

Cliff Effect Rules: The primary cliff effect for the Green Card is the 'once per lifetime' welcome bonus rule, meaning eligibility for the bonus is permanently exhausted after receiving it once. While the Green Card is a standalone charge card, American Express also applies broader 'family rules' for co-branded cards (e.g., Delta, Marriott), where receiving a bonus on one card in a family may preclude eligibility for another card in the same family. This specific rule does not directly apply to the Green Card's bonus eligibility in relation to other non-co-branded Amex cards.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards on travel, transit, and dining; valuable Amex Offers; good for those who prefer charge cards; solid travel protections.

Top Negative:
High annual fee for some; limited acceptance compared to Visa/Mastercard; rewards structure might not suit all spending habits; no intro APR.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • American Express Gold Card
  • Chase Sapphire Preferred Card
  • American Express Platinum Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $375.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: January 2024