The American Express Green Card is a strong choice for those looking to earn travel rewards. It offers 3x points on categories like travel, restaurants, and transit.
This card is ideal for U.S. residents who want to earn travel rewards without committing to high annual fees or the premium features of the Platinum Card. It’s perfect for people who spend frequently in these categories but don’t need the high-end perks of a more expensive card.
This article breaks down the American Express Green Card’s benefits, helping readers decide if it meets their needs for earning travel points efficiently.
Key Features of the American Express Green Card
This section highlights the main benefits of the American Express Green Card, including ways to earn rewards, enjoy fee-free perks, and access additional advantages.
Travel Rewards
Earn points on travel-related expenses like flights, hotels, and car rentals. The Amex Green Card offers 3X points on travel purchases, making it an excellent option for those who frequently book trips.
With no annual fee, this card delivers competitive rewards, making it a great choice for U.S. travelers aiming to maximize their benefits.
Amex Green Card Annual Fee
The American Express Green Card stands out due to its lack of an annual fee. Many cards offering similar travel rewards charge high fees, but this card allows you to save money while still earning significant rewards.
The absence of this fee means you can enjoy long-term benefits without worrying about hidden costs.
Additional Amex Green Card Benefits
Cardholders also enjoy the following perks:
- Trip Delay Insurance: Covers additional costs for delays over 12 hours.
- No Foreign Transaction Fees: Ideal for U.S. cardholders traveling abroad.
- Car Rental Loss and Damage Insurance: Protection when renting a vehicle.
- Baggage Insurance Plan: Safeguards luggage against damage or theft.
Interest Rates and Fees for the American Express Green Card
It’s important to be aware of the interest rates and fees associated with the American Express Green Card to avoid unnecessary costs. Here’s a breakdown of the key rates and fees.
Annual Percentage Rate (APR) for Purchases
The APR for purchases ranges from 20.74% to 28.74%, depending on creditworthiness. Since this is a variable rate, it may change based on market conditions.
To avoid high-interest charges, paying off the balance in full each month is best.
Interest Rates for Cash Advances
Cash advances come with a high interest rate of 29.74%. This is a costly option, so cash advances should be used sparingly and only in emergencies.
Additionally, a fee of $10 or 5% of the advanced amount will be charged, whichever is greater. To minimize fees, avoid using cash advances when possible.
Balance Transfer Rates and Fees
Balance transfers also have an interest rate of 29.74%. A fee of 3% or $5—whichever is higher—applies to balance transfers.
Calculating the total cost before transferring balances is important, as this can quickly eat into any savings or rewards.
How to Apply for the American Express Green Card
Follow these steps to apply for the American Express Green Card:
- Visit the official American Express website and navigate to the application page.
- Complete the application form with your details, including your name, address, and income information.
- Upload required documents for verification, such as proof of income or identity.
- Review the terms and conditions carefully before submitting your application.
- Wait for approval. The process may take anywhere from a few minutes to a few days.
Earning Points
The American Express Green Card offers 3X points on travel-related purchases such as airfare, hotels, and car rentals. You’ll earn 3X points on transit expenses, including rideshare services, buses, and parking.
Dining at restaurants in the U.S., including delivery and takeout, also earns 3X points. For other purchases, you get 1X points on eligible transactions.
The American Express Green Card offers multiple ways for Card Members in the United States to earn Membership Rewards® points:
- 3X points on dining worldwide, including takeout and delivery in the U.S.
- 3X points on transit worldwide, covering taxis, trains, tolls, and more.
- 3X points on travel-related purchases, such as airfare, car rentals, hotels, and home-sharing services.
Additionally, Card Members earn 1X points on all other eligible purchases.
Redeeming Points
Points can be redeemed for travel bookings like flights, hotels, and car rentals through AmexTravel.com.
They can also be used for merchandise, gift cards, or statement credits. Some purchases, like Insider Fares, must be fully covered with points. For the best value, redeem points for travel-related expenses.
Point Expiration Policy
Points remain active as long as the American Express Green Card account stays open. There are no expiration dates as long as the account is in good standing.
However, if the account is closed, accumulated points will be forfeited. Keep the account active to retain your rewards.
American Express® Green Card Extras
The American Express® Green Card offers several valuable perks beyond earning points and travel benefits, including:
- Trip Delay Insurance
- Car Rental Loss and Damage Insurance
- Baggage Insurance
- Global Assist Hotline
- AmEx Offers (enrollment required)
- ShopRunner Membership (enrollment required)
- Purchase Protection
- Extended Warranty Protection
- Exclusive Entertainment Access
Pros and Cons of the Card
Here’s a quick breakdown of the Amex green card benefits and drawbacks. This will help you decide if it fits your financial needs well.
Advantages
Some of the main advantages include:
- No annual fee
- 3X travel rewards
- Reliable customer service
Disadvantages
There are a few downsides to consider:
- Limited acceptance at specific merchants
- High interest rates if you carry a balance
Customer Support and Contact Information for American Express Green Card
This section explains how to contact American Express for assistance with the Green Card.
- Customer Service Phone Number: For support, call American Express at 1-888-297-1244. This number connects to customer service for help with card issues, transactions, or account management. Have your card information ready when calling.
- Bank’s Physical Address: Send inquiries or documents by mail to 115 W. Towne Ridge Parkway, Sandy, UT 84070. This address is used to handle customer letters and requests. For urgent matters, calling is recommended, as mailing can take longer.
- Online Resources for Cardholders: American Express provides online resources for managing your Green Card account. Cardholders can track rewards, make payments, and monitor their account 24/7. Live chat is also available for quick assistance.
Conclusion
The American Express Green Card is a strong option for U.S. cardholders seeking travel rewards. It offers 3X points on travel and dining, making it ideal for those who frequently travel. Its lack of an annual fee adds to its appeal for cost-conscious users.
However, potential applicants should consider the high interest rates and limited merchant acceptance. The American Express Green Card stands out as a reliable choice for those prioritizing travel rewards and no annual fees.
Disclaimer: Information in this article may change over time. For the most accurate and current details, visit the official American Express website.
