American Express Green Card by American Express: 3x dining & restaurants, 3x transit & commuting, 3x travel (broad), 1x everything else. $150 annual fee.…
The American Express Green Card is American Express's mid-tier credit card. The $150/yr annual fee includes a 40,000-point welcome bonus after spending $3,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| CLEAR Plus reimbursement | $219/yr | Up to $189/yr in statement credits for CLEAR Plus annual membership |
| LoungeBuddy | $100/yr | Up to $100/yr for LoungeBuddy lounge passes |
Welcome bonus value (year one): ~$800. Annual statement credits: $319. Minus the $150 annual fee = ~$969 in year-one net value before any spending earn. RewardsGuru rating: 4.6/5 — based on our net-value methodology.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
40,000 points after spending $3,000 in the first 6 months. At our ~2¢/pt valuation, that's roughly $800 in real value.
Year-one math: welcome bonus value (~$800) + annual credits ($319) − $150 fee = ~$969 net before spending earn. Year-two onward, the credits alone need to clear $150 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
2 recurring statement credits: CLEAR Plus reimbursement ($219/yr), LoungeBuddy ($100/yr). Total: $319/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.