American Express® Green Card Review

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

• Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $95 for the privilege.
• Annual fee waived the first year. American Express® Green Card gives you the chance to have the card for a year without paying the $95 annual fee.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, 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
Annual fee waived during the first year. Multiple credit card perks. Earn rewards on every purchase. American Express® Green Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance.	Requires good to excellent credit. Charges an annual fee of $95. Does not offer a signup bonus. Charges a foreign transaction fee of 2.7%.

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

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

American Express® Green Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the American Express® Green Card benefits?

American Express® Green Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

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

American Express® 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 American Express® Green Card fees?

The following fees apply to American Express® Green Card:

American Express® Green Card Fees

Fees	Amount
Annual Fee	$95
Foreign Transaction Fee	2.7%
Returned Payment Fee	$38
Late Payment Fee	$38

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

American Express® 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 can help improve your credit score.

How to apply for American Express® Green Card

• Visit the American Express® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.