American Express Green Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 40,000 Membership Rewards bonus points after spending $3,000 on purchases in the first 3 months of Card Membership (~$800 at 2¢/point transfer-partner valuations; standard public offer, occasionally elevated via CardMatch or referral).
Benefits and fees last verified May 2026against the issuer's published terms.
Hard to justify vs. Chase Sapphire Preferred at $95 with stronger earning. The CLEAR credit is nice but only useful if your airport has CLEAR lines. Most people are better off with Sapphire or Amex Gold.
Earning Rates
At a glance
- 3x travel + dining + transit
- $189 CLEAR credit
- $100 lounge credit
- Transferable MR points
Earning rates
4- 3xlodging
Earn 3X Membership Rewards points on eligible travel: airfare booked directly with airlines, hotels, cruises, guided tours, car rentals, campgrounds, and vacation rentals (no portal-booking requirement, unlike many competitors).
- 3xtravel
Earn 3X Membership Rewards points on eligible transit purchases worldwide: trains, taxis, rideshare (Uber, Lyft), ferries, tolls, parking, buses, and subways, a category most travel cards do not cover.
- 3xdining
Earn 3X Membership Rewards points on restaurants worldwide, including takeout and delivery in the U.S. (no foreign-dining exclusion, unlike Chase Sapphire Preferred's worldwide-but-no-delivery-abroad terms).
- 1xeverything else
Earn 1X Membership Rewards point on all other purchases, pair with a Blue Business Plus (2X everywhere up to $50K) to fill the non-bonus gap.
Statement credits
3- $209CLEAR Plus CreditYearly
Up to $209/year statement credit toward a CLEAR Plus membership.
- $209Up to $209 in annual statement credits for CLEAR Plus membership when you pay with the Green Card (auto-renewal required; rate refreshed from $189 to $209 in Q1 2026 to match CLEAR's price increase), fully offsets CLEAR's standalone cost.
- $100Up to $100 in annual statement credits for LoungeBuddy lounge purchases booked through the LoungeBuddy app/site and paid with the Green Card, covers ~1-2 day-pass lounge visits per year at non-Amex airports.
Perks & memberships
4- No foreign feesNo foreign transaction fees on purchases made abroad (saves the typical 3% surcharge), important since Green earns 3X on transit/dining worldwide.
- Payment flexibilityPay with Points and Pay Over Time flexibility for purchases, useful for spreading large travel bookings.
- MembershipShopRunner free 2-day shipping membership at participating retailers (enrollment required).
- ExperiencesAmerican Express Experiences: presale access to concerts, sporting events, and Broadway shows.
Travel & purchase protections
6- Trip Delay Insurance: reimbursement up to $300 per trip for reasonable additional expenses (meals, lodging, toiletries) when a covered trip is delayed more than 12 hours due to a covered reason (note: 12-hour threshold is longer than Chase Sapphire Preferred's 6 hours).
- Baggage Insurance Plan: covers lost, damaged, or stolen baggage up to $500 carry-on and $1,250 checked when the full fare is paid with the Green Card.
- Car Rental Loss & Damage Insurance: SECONDARY coverage in the U.S. (after your personal auto policy), this is a notable weakness vs. Sapphire Preferred's PRIMARY CDW. Enroll in Amex Premium Car Rental Protection ($12.25-$24.95 per rental) for primary coverage if you want it.
- Purchase Protection: up to $1,000 per covered purchase, $50,000 per calendar year, covers accidental damage or theft within 90 days of purchase.
- Extended Warranty: extends the original manufacturer's warranty by up to 1 additional year on eligible items with warranties of 5 years or less.
- Global Assist Hotline: 24/7 medical, legal, financial, and travel referral assistance when traveling more than 100 miles from home (third-party costs are cardmember's responsibility).
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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Transfer Partners
Full guide →Amex Membership Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $3,000 in the first 3 months to earn the 40,000 Membership Rewards points bonus.
See the Current Offer
Earn 40,000 Membership Rewards points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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