American Express Green Card review: fees and how to apply
See the reward rate, interest rates and benefits before you apply
The American Express Green Card is a no-annual-fee credit card that earns Membership Rewards points on your everyday spending.
It focuses on simplicity, flexible rewards and basic purchase protection, and gives you access to the American Express network without a yearly cost.
Below, you’ll find an overview of how the American Express Green Card works, who it may suit and what to review before applying.
Who is the American Express Green Card for?
The American Express Green Card can suit people who want a simple, no-fee card that earns Membership Rewards points, one of the more flexible rewards programs in Canada.
It appeals to people who want to earn points on everyday purchases and redeem them for travel, statement credits or transfers to loyalty programs, without paying an annual fee.
Like other American Express cards in Canada, it has no minimum income requirement. Approval depends on American Express’s credit assessment.
Benefits of the American Express Green Card
This card includes features focused on everyday value, flexible rewards and basic protection.
Below are its main benefits:
No annual fee
The card has no annual fee, so you can keep the account open without a yearly cost.
Membership Rewards points
You earn 1 Membership Rewards point for every $1 in eligible purchases, plus 1 additional point per $1 on eligible hotel and car rental bookings made through American Express Travel Online.
You can redeem your points for travel booked through American Express Travel, gift cards, merchandise, purchases on Amazon.ca or statement credits (1,000 points equal a $10 credit). You can also transfer points 1:1 to loyalty programs such as Aeroplan. Points don’t expire while your account is in good standing.
Amex Experiences
Through Amex Experiences and Front Of The Line® Amex Presale Tickets, you can access presale and reserved tickets to concerts, theatre performances and other events in Canada.
Shopping coverage
The card includes Purchase Protection, which can cover eligible items against theft or accidental damage for a limited period (usually 90 days) after purchase, and Buyer’s Assurance, which can extend the manufacturer’s warranty by up to one additional year. Coverage is subject to the terms, limits and exclusions in the Certificate of Insurance.
Main details of the American Express Green Card
- Card network: American Express;
- Type: can be used in Canada and abroad wherever American Express is accepted;
- Credit limit: set by American Express based on your application;
- Annual fee: $0;
- Annual interest rate: 21.99% on purchases and 21.99% on funds advances;
- Missed payments: the rate increases to 25.99% after 2 missed payments, or 29.99% after 3 or more;
- Foreign currency conversion fee: 2.5%;
- Does it accept people with bad credit? American Express doesn’t publish a minimum credit score. Approval depends on its credit assessment and isn’t guaranteed.
Rates and fees checked on September 22, 2026, against American Express Canada’s website. Confirm current terms on the American Express website before applying.
Documents required to apply
American Express doesn’t publish a full list of documents for this card. When you apply, you’ll typically provide:
- Your personal information and Canadian address;
- Your employment and income details;
- Your Social Insurance Number (SIN), which is optional in Canada;
- A valid email address and phone number.
Depending on your profile, American Express may ask for more information during its review.
How to contact American Express?
For questions before or after applying, you can contact American Express through the customer service number on the back of your card or on the American Express website. You can also manage your account through the American Express App or Online Services.
How to apply for the American Express Green Card?
You can apply online on the American Express Canada website.
The application takes a few minutes. American Express also offers a way to check whether you’re likely to be approved before you apply, with no impact on your credit score.
After you submit your application, you may get a decision quickly, or American Express may contact you by email if it needs more information.
Conclusion
The American Express Green Card can be a good option for Canadians who want a no-fee card that earns Membership Rewards points, one of the more flexible rewards programs in the country.
It works best for people who pay their balance in full each month, since the interest rate is 21.99%. The ability to transfer points to airline and hotel partners can add value for people who like to plan travel.
At the same time, the earn rate of 1 point per $1 is modest, the card doesn’t include travel insurance, and American Express is accepted at fewer merchants than Visa or Mastercard. If you want higher earn rates, you may want to compare Amex’s Cobalt or Gold Rewards cards, which have monthly or annual fees.
Click the button below to be redirected to the official website responsible for issuing the American Express Green Card:
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Disclaimer: This site is independent and strictly informational, and its content does not constitute financial advice. Finvyu is not affiliated with American Express. We do not guarantee credit card approval, which is solely subject to a credit check, income verification and risk analysis by the issuing bank (Amex Bank of Canada). Finvyu Editorial Team.
