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The card_name is a mid-tier travel rewards card offering generous, flexible rewards. Eligible travel, transit, and restaurant purchases earn up to 3x Membership Rewards points, which can be used to book trips through American Express Travel or transferred to Amex partners. This card also offers other perks that provide travelers with peace of mind. Here’s what to know about the card_name, its benefits, and who it’s right for.

American Express® Green Card

Credit score needed


TIME’s Take

The card_name is a solid option if you’re seeking a mid-tier card with a relatively reasonable $150 annual fee. With the Amex Green’s $189 CLEAR Plus and $100 LoungeBuddy credits, you can save time and money at the airport. The card will also easily pay for itself if you can take advantage of these credits.

While this card does have a welcome offer, it’s not as lucrative as the welcome offers you can earn with a top-tier card. Cardmembers earn 40,000 Membership Rewards after spending $3,000 in the first six months after account opening. Despite this, the card_name’s many perks make it worth considering.

Pros & cons


  • 3X Membership Rewards on eligible travel, transit, and restaurant purchases
  • No foreign transaction fees
  • Trip delay insurance, baggage insurance, and car rental loss and damage insurance
  • Can transfer points to several travel partners


  • Has annual fee
  • Only available to those with good or excellent credit
  • Cash advance fee of 5% or $10 (whichever is more) applies

Who is the card for?

The card_name could be ideal for those who often dine out, use public transit, and travel fairly frequently. This card comes with a relatively low annual fee that its rewards and credits can easily offset.

While you won’t get dedicated lounge access as you would with the top-tier American Express Platinum Card, you will get an annual $100 LoungeBuddy credit that could make airport visits more bearable. You’ll also get travel perks like trip delay, baggage, and car rental damage and loss insurance.

American Express doesn’t disclose its exact credit score requirements, though you’ll likely need good or excellent credit to qualify for an Amex Green Card. Per the FICO scoring model, good credit falls into the 670-739 range. Those with fair credit may need to focus on improving their credit before applying.


The card_name doesn’t come with the higher-tier travel benefits you’d get with the American Express Platinum, but its range of perks and credits make it a solid option. Here are the features you can expect with this card.

Earning rates

Cardholders earn 3x Membership Rewards points on qualifying travel, transit, and restaurant purchases, and 1x Membership Rewards points on all other purchases. If you spend frequently in the high-earning-rate categories, this card could make sense for your wallet.


Much of the value of this card lies within its credits. As a card member, you’ll get a $189 CLEAR Plus credit and a $100 LoungeBuddy credit each calendar year. This card doesn’t give you dedicated lounge access the way you’d get with a luxury travel card, but the LoungeBuddy credit definitely helps.


Cardholders also get travel insurance benefits, including trip delay, baggage, and car rental loss and damage insurance. This coverage provides valuable peace of mind and financial protection for your travels.

The fine print

  • reg_apr,reg_apr_type: 21.24% to 29.24% (variable)
  • Intro purchase APR: N/A: N/A
  • balance_transfer_intro_apr,balance_transfer_intro_duration: N/A
  • cash_advance_apr: 29.99%
  • Pay Over Time penalty APR: 29.99%

Additional hidden perks

Besides its obvious benefits, the card_name also comes with some lesser-known perks for cardholders.

Purchase protections

You’ll get extended warranty and purchase protection benefits when you use your card for covered purchases. The extended warranty coverage can add up to a year of additional protection to your original manufacturer’s warranty, and your purchase protection will reimburse you up to $1,000 per occurrence (or $50,000 per calendar year) if a covered item is damaged or stolen.

Buy now, pay later

You can opt to pay your balance in full each month. But if you’d rather not pay for a high-priced item upfront, Amex also offers Pay Over Time and Plan It buy now, pay later options. Pay Over Time lets you pay for eligible purchases with interest over a specific term, and Plan It lets you pay for large purchases in smaller increments with a relatively small, fixed monthly fee.

Travel partners

Amex lets you transfer your Membership Rewards points to more than a dozen travel partners, which is helpful for those seeking flexibility with flights and hotels.

What could be improved

Overall, the card_name is a solid mid-tier travel rewards card with many perks. That said, its annual fee is higher than similar mid-tier travel cards, including the Chase Sapphire Preferred and Capital One Venture Rewards Card. As with most other travel rewards cards, you’ll likely need good to excellent credit to qualify for the Amex Green.

Card Alternatives

Bottom line

The card_named could be a solid choice if you have strong credit and frequently spend on travel, transit, or at restaurants. It’s an even better option if you can benefit from its CLEAR Plus and LoungeBuddy credits. But those with fair credit will likely need to look elsewhere or work on building their credit to qualify. And if you’re seeking a no-annual-fee card, the Amex Green doesn’t qualify.

American Express® Green Card

Credit score needed


Frequently asked questions (FAQs)

Is it hard to get an card_name?

You can apply for an card_name online via the American Express website. You’ll likely need good to excellent credit to get approved.

What are the benefits of having an card_name?

The card_name offers several benefits, including a welcome offer, decent earning rate, $189 CLEAR and $100 LoungeBuddy credits, baggage insurance, and no foreign transaction fees.

What is the credit limit on a card_name?

The credit limit on the card_name will vary depending on your overall creditworthiness. There’s not specific limit for new cardholders.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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