Does the American Express Green have an annual fee?

Yes — $150 a year, according to the issuer information in our record.

What does the American Express Green earn?

3x on travel, 3x on transit, 3x on restaurants, and 1x on other purchases.

Is the American Express Green worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in restaurants), the first year comes out around $836 before credits, including a welcome bonus valued at $680. Year two drops to about $156 before credits.

Do the American Express Green's credits cover the annual fee?

The listed credits add up to $209 a year at face value against a $150 fee. Count only the credits you'd use without changing your spending.

What credit do I need for the American Express Green?

Our record lists "Good" credit as the typical target for the American Express Green. American Express makes the final decision based on its own criteria.

American Express® Green Card

American Express

$150

Annual Fee

amexGoodpremiumtransferable16 days ago

Welcome Offer

40,000 pts(≈ $680)Spend $3,000 within 6 months

Check issuer terms ↗

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The link opens on the Platinum Card first. Use the Amex page to view currently eligible personal and business cards. Not every Amex product is necessarily included, and offers and eligibility may vary. The referrer may receive a reward if you are approved; this does not influence OpenCard's evaluation.

Full referral terms

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OpenCard editorial analysis

Our take

A mid-tier Membership Rewards card for broad travel and transit spending without the large premium-card fee. It can fit travelers who value flexible categories more than luxury benefits, but the annual fee still requires meaningful recurring spend or naturally used credits. It should be compared with strong no-fee travel-category cards before applying.

Best for

✓ Travelers with broad transit and travel purchases
✓ Membership Rewards users avoiding a premium fee
✓ People who value flexible travel categories over lounge bundles

Not ideal for

— People seeking a no-fee travel card
— Travelers focused mainly on lounge access
— Cash-back users unwilling to learn Membership Rewards

Conservative break-even test

Estimate incremental rewards over a no-fee travel card and add only credits already present in your budget. If credits cause new subscriptions or purchases, discount them heavily or assign zero value.

Compare this shortlist →Track benefits in My Cards →

Compare alternatives

Wells Fargo Autograph →

Broad no-fee travel categories with simpler rewards.

Chase Sapphire Preferred →

Different transferable ecosystem and travel-protection package.

OpenCard analysis

Is the American Express Green Card right for you?

The American Express Green is a $150-a-year transferable-points card from American Express. Its strongest everyday earning is 3x on restaurants, with 1x on most other purchases. Whether it pays off depends mostly on how many of its credits replace spending you already do.

Who it's for

✓ People who spend steadily on restaurants, where it earns 3x
✓ People who would use the CLEAR Plus credit without adding new spending

Who should skip it

— Heavy spenders outside restaurants — everything else earns 1x
— Anyone who won't earn at least $150 a year more than a no-fee card

First-year value estimate

Welcome bonus

$680

Rewards on spending

$306

Annual fee (year 1)

−$150

Year 1, before credits

$836

Year two, without the welcome bonus: about $156 before credits ($306 in rewards minus the $150 fee).

Assumptions

$3,000 a year in restaurants (3x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 1.7¢ per Membership Rewards (OpenCard valuation; cash-out value can be lower).
Welcome bonus: 40,000 Membership Rewards at 1.7¢ each (OpenCard valuation) ≈ $680.
Annual fee of $150 in year one and every year after.
Recurring credits are listed separately below and are not counted here.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.

How the fee is offset by credits

At face value the listed credits ($209 a year) exceed the $150 fee, but only spending you would have made anyway counts. A realistic test is to add up only the credits you used last year.

Credit	Terms	Per year (face value)
CLEAR Plus Credit	$209 per year	$209
Total face value		$209

How it compares

Wells Fargo Autograph Visa Signature →

Wells Fargo, lower fee ($0 vs $150); earns 3x on Gas Stations.

Chase Sapphire Preferred →

Chase, lower fee ($95 vs $150); earns 3x on dining.

American Express Gold →

American Express, higher fee ($325 vs $150); earns 4x on dining.

Compare side by side →

Rules and gotchas

The welcome bonus requires $3,000 in 6 months — roughly $500 a month. That fits inside the $1,000 a month in our illustration.

Frequently asked questions

Does the American Express Green have an annual fee?: Yes — $150 a year, according to the issuer information in our record.
What does the American Express Green earn?: 3x on travel, 3x on transit, 3x on restaurants, and 1x on other purchases.
Is the American Express Green worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in restaurants), the first year comes out around $836 before credits, including a welcome bonus valued at $680. Year two drops to about $156 before credits.
Do the American Express Green's credits cover the annual fee?: The listed credits add up to $209 a year at face value against a $150 fee. Count only the credits you'd use without changing your spending.
What credit do I need for the American Express Green?: Our record lists "Good" credit as the typical target for the American Express Green. American Express makes the final decision based on its own criteria.

Earning Rates

3×TravelIncluding airfare, hotels, tours, car rentals, cruises, etc.

3×TransitIncluding trains, buses, ferries, subways.

3×RestaurantsWorldwide, including takeout and delivery in the US.

1×Other

Benefits & Credits

$209

CLEAR Plus Credit

$209 annual credit for CLEAR Plus membership

/year

Other Benefits

No Foreign Transaction Fees

Save on purchases abroad.

Insurance

Trip Delay

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Sources

Last Updated: Oct 3, 2026