American Express® National Bank Green Card Review

If you're wondering whether American Express® National Bank Green Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 3 points per dollar spent.
• Signup bonus. Offers a signup bonus of 45000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. American Express® National Bank Green Card has a variable purchase APR that ranges from 15.99% up to 22.99%.
• Annual fee waived the first year. American Express® National Bank Green Card gives you the chance to have the card for a year without paying the $150 annual fee.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

The Good

The Bad

You can earn up to $100 in statement credits per calendar year when you use your American Express Green Card to pay for your annual CLEAR membership. Lower than average purchase APRs. Annual fee waived during the first year. Multiple credit card perks. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere American Express® National Bank Green Card is accepted. American Express® National Bank Green Card reports to multiple credit bureaus.

Requires good to excellent credit. Charges an annual fee of $150

Is there a American Express® National Bank Green Card cash back or rewards program?

American Express® National Bank Green Card offers a rewards program to its customers.

American Express® National Bank Green Card Rewards

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	45000
Signup Bonus Spend Requirement	$2000
Signup Bonus Spend Period (months)	3 months

What are the American Express® National Bank Green Card benefits?

American Express® National Bank Green Card provides the following benefits:

• No blackout dates when redeeming miles
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for American Express® National Bank Green Card?

American Express® National Bank Green Card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What are the fees for American Express® National Bank Green Card?

The following fees apply to American Express® National Bank Green Card:

American Express® National Bank Green Card Fees

Fees	Amount
Annual Fee	$150
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does American Express® National Bank Green Card report your account activity to credit bureaus?

Yes, American Express® National Bank Green Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for American Express® National Bank Green Card

• Visit the American Express® National Bank Green Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.