Best in Class
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Amex Business Green Credit Card Review
Key Takeaways
There are not many compelling reasons to apply for the American Express Business Green Credit Card. The sign-up bonus is only 15,000 points after spending $3,000 in the first three months. Although it can help you earn American Express points without affecting your 5/24 status, the card still carries a $95 annual fee and offers few other benefits aside from earning 2x points on flights and prepaid hotels through the American Express portal.
Why This Card Could Be Right For You
The sign-up bonus is 15,000 points for $3,000 in purchases within the first three months. This can be an easy way to collect some Membership Rewards points without affecting your 5/24 status, though 15,000 points will not stretch very far.
Cardmembers earn:
- 2X points on flights and prepaid hotels booked through the American Express portal
- 1X points on all other purchases
You can add additional employee expense cards to your account, and their points will credit to the main cardmember’s account. Additionally, the card provides basic travel insurance coverage when you use it for travel expenses, including car rental loss and damage insurance and baggage insurance.
When The Usual Advice Doesn't Apply
This card may not be a good fit for you if:
- You want a higher welcome offer or more benefits, even if it means paying a higher annual fee.
What to Know About Amex Membership Rewards
Amex points are great in theory. We just find them harder to collect and more expensive to hold than Chase points.
- If you’re in the points game long enough, you’ll dabble in both main systems (Chase & Amex).
- Amex has a one card bonus every 7 years rule, so ultimately, there will be more of a limit to how many you can collect via sign-up bonuses.
- There is only one no-fee card that allows you to earn and keep Membership Rewards points - the Blue Business Plus card.
- Delta and Hilton are solid transfer values and having Amex points gives you top-off flexibility if you are invested in either of those systems.
- We do find Amex travel a higher quality of service over the Chase travel portal.
How The Amex Business Green Credit Card Fits In The Amex Membership Rewards Ecosystem
If you are concerned about your 5/24 status and need a business card, remember that some American Express products offer more overall value than the Business Green. For example, the Business Gold and Business Platinum cards feature:
- Significantly higher sign-up bonuses (100,000 and 200,000 points, respectively)
- More valuable benefits and statement credits
- Annual fees of $375 for the Business Gold and $895 for the Business Platinum
These benefits and credits may help offset the higher fees associated with each card.
You can also consider other American Express business cards, but they generally offer limited value:
- Blue Business Cash: Provides a $250 statement credit as a welcome offer, and it charges no annual fee.
- Blue Business Plus: Offers the same 15,000-point sign-up bonus as the Business Green and also does not have an annual fee.
Both cards lack substantial perks and provide minimal value beyond their initial bonuses. Consequently, the return on your spending may be too small to justify signing up for either of them.
Card Information
Bonus Points
15,000
Minimum Spend
$3,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$95
1st Year Value
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Differentiating Perks
2x points on restaurants,entertainment and Grocery stores
Rules
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Estimated Next Offer
Start Date
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Bonus
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Spend Categories
Amex Business Green Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card)
After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus
Point Transfer Options
+9 Lower Value Transfers Show
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
3rd
Honorable Mention
