Is the American Express Green Card worth the annual fee?
Typically, when credit cards undergo changes, those changes come with a higher annual fee.
However, that’s not the case for the American Express® Green Card. While the card has experienced multiple updates in recent years, its reasonable $150 annual fee has remained the same.
But what do you get for that $150? Let’s break down the card’s benefits to help you decide if it’s worth adding to your wallet.
The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Welcome offer
Currently, new Amex Green applicants can earn 40,000 bonus points after spending $3,000 on purchases in the first six months of cardmembership.
TPG’s January 2025 valuations peg Membership Rewards points at 2 cents each, making this bonus worth $800.
You have a wide range of options when you’re ready to redeem your Membership Rewards points, including cashing out your points (not the best value) or redeeming with hotel and airline partners (can provide incredible valuedepending on the partner).
Excellent uses of Membership Rewards points include domestic flights on Delta Air Lines, flights to South America with LATAM and flights to Japan on Virgin Atlantic for redemptions with ANA.
Related: The ultimate guide to Amex Membership Rewards
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Clear Plus statement credit
Clear is a security program that can help you speed through airport and sporting event security checkpoints by using biometrics to prove your identity.
Membership costs $199 per year, which you can get reimbursed for in full by paying for your Clear Plus membership with your Amex Green card (subject to auto-renewal).
There’s no prior enrollment required with Amex to use this benefit, but you will need to register with Clear Plus and complete your enrollment to use Clear security lanes at a growing number of venues and airports. Terms apply.
Even better, select Delta SkyMiles and United MileagePlus cobranded credit card holders can get a Clear Plus membership at a reduced price of $159. Since your annual benefit maximum on the Amex Green is $199, that’s enough to cover this reduced price and some of the cost of adding a loved one.
If you don’t already have a Clear Plus membership, this perk alone will more than make up the $150 annual fee cost.
Related: Why your family may want to get Clear Plus before your next flight
Earning rates
One of the best features of the Amex Green may be its earning structure.
Cardmembers earn 3 points per dollar on dining at restaurants worldwide (including takeout and delivery services in the U.S.), 3 points per dollar on transit (including trains, buses, ferries and subways), 3 points per dollar on travel and 1 point per dollar on other purchases.
With broad travel and transit categories, this is one of the best cards for travel purchases and dining expenses. Since TPG’s January 2025 valuations peg Amex Membership Rewards points at 2 cents apiece, this is an effective 6% return on spending for your travel, commuting and dining expenses.
While the Amex Green earns less at restaurants than the 4 points per dollar (on the first $50,000 in purchases per calendar year; then 1 point per dollar) provided by the American Express® Gold Card and doesn’t offer bonus points at U.S. supermarkets (up to $25,000 per year in purchases, 1 point per dollar thereafter) as the Amex Gold does, the Amex Green provides much better earning rates for commuting and travel.
Related: Card showdown: Amex Gold vs. Amex Green
Additional benefits
Cardmembers also have access to Amex Offerswhich can provide rebates or bonus points on your upcoming purchases through targeted promotions.
The card also comes with built-in shopping and travel protections that can provide both peace of mind and security during mishaps at home and abroad. Terms apply.
Related: Everything you need to know about credit card merchant offers
Bottom line
As cardmember benefits have improved on the Amex Green in the past few years, the annual fee has remained steady at a moderate $150. If you can use the Clear Plus benefit, you can easily offset the annual fee.
However, you might not use these perks if you already have another credit card that reimburses your Clear Plus membership. The question at that point would be whether the earning structure on the Amex Green provides enough extra Membership Rewards points each year to make keeping the card worthwhile.
Learn more: American Express Green
Related: Who should (and who shouldn’t) get the Amex Green card?
