The American Express Green credit card is a popular choice for those who enjoy valuable perks.
With rewards on everyday spending and travel-related benefits, this financial product offers a balance between affordability and exclusive perks.
However, it also presents some drawbacks you should be aware of before making your application.
In this guide, we’ll explore its main characteristics, fees, and whether it’s the right card for your lifestyle. Keep reading!
Pros and cons of the credit card
Before applying for any credit card, it’s essential to weigh its advantages and possible drawbacks:
Advantages of the American Express Green credit card
This financial product offers several perks to its cardholders.
Check some of these benefits below:
- It has no annual fee, which is a feature that makes it more accessible to consumers who want to earn rewards without the added cost;
- As a new cardmember, you earn 10,000 Membership Rewards points when you spend $1,000 in the first three months of using your credit card;
- You earn 1x points on eligible everyday purchases, including takeout and travel expenses;
- You get 1 additional point on Amex Travel Online, which involves eligible hotel or car rental bookings.
Disadvantages of the American Express Green credit card
The American Express Green credit card also comes with limitations.
Know more about these drawbacks below:
- The annual interest rate on purchases and funds advances can be considered high by some customers;
- A foreign currency conversion fee is charged;
- The amount of points accumulated can be considered lower compared to other credit cards available in the market;
- It offers no travel insurance for its consumers.
Fees of the American Express Green credit card
Before applying, it’s important to understand the costs associated with this financial product.
Here are the main fees of the Amex Green credit card:
- Annual fee: non-applicable;
- Annual fee for additional cards: non-applicable;
- Annual interest rate for purchases: 21.99%;
- Annual interest rate for funds advances: 21.99%;
- Foreign currency conversion fee: 2.5% of each charge;
- Overlimit fee: $29.00.
These charges can add up, especially for people who travel regularly, who may face additional costs due to the foreign currency conversion rate.
Updated according to the issuing website on 02/07/2025
About the bank
American Express is one of the world’s leading financial institutions, known for its premium credit cards and travel-related benefits.
This bank has built a reputation for its responsive customer service, robust rewards programs, and exclusive perks for its cardholders.
Application
The American Express app provides an easy and secure way to manage your credit card and finances.
Through it, you can track your spending in real-time, pay your bills, redeem Membership Rewards points, access exclusive offers, and much more.
Opinion about the card
The American Express Green credit card is an interesting choice for frequent travelers who want to earn rewards on their everyday spending and enjoy exclusive benefits.
It offers flexibility and valuable perks, making it appealing to consumers who regularly order takeouts, book travel, or go to concerts and other special events.
However, its drawbacks must be considered. This card provides a lesser number of points, which may not be as competitive compared to other rewards cards that offer higher earning rates in specific categories.
Additionally, the annual interest rates and lack of travel insurance could be dealbreakers for some clients.
That way, individuals who want higher point earning potential or more travel benefits may eventually consider upgrading to a different Amex product.
And remember, before applying, it’s essential to evaluate these pros and cons to determine if this financial product aligns with your spending habits and financial goals.
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