American Express Green Card: Amex points, no annual fee
The American Express Green Card, often called the Amex Green Card, is a no-annual-fee credit card that earns Membership Rewards points on your everyday spending.
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It gives you access to the American Express Membership Rewards program without an annual fee, which makes it an entry point to Amex points for Canadians who don’t want to pay for premium features.
In this guide, we outline the main features of the American Express Green Card in Canada, including how it works, its benefits, its limitations and the costs involved.
About the Amex Green Card
The American Express Green Card is designed for people who want a simple rewards card for everyday purchases in Canada or abroad.
You earn Membership Rewards points on eligible spending, and the card focuses on simplicity: there’s one main earn rate, so it’s easy to understand how you earn points and how costs apply.
According to American Express, the physical card is made with 99% recycled materials.
It doesn’t include premium travel perks, but it can be a practical option for people who want accessible rewards with no annual fee. Amex describes it as a way to start earning Membership Rewards points without a yearly cost.
Benefits of the American Express Green Card
The American Express Green Card focuses on ease of use and flexibility rather than premium features.
Some of the main benefits include:
- No annual fee ($0);
- 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;
- Redeem your points in several ways: 1,000 points equal a $10 statement credit, and you can also use points for travel, merchandise, gift cards and purchases on Amazon.ca, or transfer them 1:1 to loyalty programs such as Aeroplan. Points don’t expire while your account is in good standing;
- Access to Amex Experiences and Front Of The Line® Amex Presale Tickets, for presale and reserved tickets to events in Canada;
- Buyer’s Assurance, which can extend the manufacturer’s warranty by up to one additional year, and Purchase Protection;
- Like other American Express cards in Canada, it has no minimum income requirement.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Disadvantages of the American Express Green Card
The card also has limitations to consider before applying:
- It doesn’t include premium travel features such as airport lounge access, flight upgrades or travel medical insurance;
- The earn rate of 1 point per $1 is lower than that of cards with category multipliers for gas or groceries, so annual rewards tend to be modest;
- A 2.5% foreign currency conversion fee applies to purchases in currencies other than Canadian dollars;
- American Express is accepted at fewer merchants in Canada than Visa or Mastercard.
About the issuing bank
American Express is an international financial services company and payment network. In Canada, the card is issued by Amex Bank of Canada.
American Express offers a range of cards, from no-fee products like the Green Card to cards with higher earn rates and fees, such as the Cobalt and Gold Rewards cards, all part of the Membership Rewards program.
Fees of the Amex Green Card
Reviewing the costs and interest rates is an important step before applying. The main fees and rates include:
- Annual fee: $0;
- Interest rate on purchases: 21.99%;
- Interest rate on funds advances: 21.99%;
- Missed payments: if you have 2 separate missed payments, the rate increases to 25.99%; with 3 or more, it increases to 29.99%;
- Foreign currency conversion fee: 2.5%.
Other fees may apply, as described in the Cardmember Agreement.
Rates and fees checked on September 22, 2026, against American Express Canada’s website. Confirm current terms on the American Express website before applying.
Why apply for this card?
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 Canada.
It works for everyday spending, letting you collect and redeem points for travel, statement credits, gift cards and more, with no annual fee. You can also transfer points to airline and hotel partners, which can increase their value.
It may also appeal to people who want access to the American Express network, basic purchase protection and entertainment offers, without paying for premium features they may not use.
However, if you want higher category earn rates or travel insurance, you may prefer to compare other cards, including Amex’s own Cobalt or Gold Rewards cards, which have monthly or annual fees.
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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.