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American Express · charge
Last updated
Is the Amex Green worth keeping when the fee hits?
Welcome offer — Membership Rewards points after qualifying spend (offer varies) Inferred by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Recently changed — 1 update. See below ↓
Worth knowing
Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 3× | Travel (broad — flights, hotels, etc.) Verified by source |
|---|---|
| 3× | Transit (rideshare, trains, tolls, etc.) Verified by source |
| 3× | Restaurants Verified by source |
| 1× | Everything else Inferred by source |
Amex Membership Rewards points transfer to these loyalty programs. Mostly 1:1 (Hilton 1:2). Inferred by source
| Airlines (16) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| CLEAR Plus | $219/yr · annual Inferred by sourceenrollWhat is CLEAR Plus?CLEAR Plus is a paid identity-verification service. You use a separate, usually shorter lane at the airport to confirm your identity, then join the normal security screening queue. On this card: Up to $219/yr after paying for a CLEAR+ membership with the card Inferred by source |
|---|
No lounge access.
| Trip delay | Up to $300/trip when delayed more than 12 hours; covers meals, lodging, toiletries, medication; max 2 claims per 12-month period Verified by source |
|---|---|
| Baggage | Carry-on up to $1,250/person; checked up to $500/person; $250 sub-limit for high-risk items (jewelry, electronics, sporting equipment) Verified by source |
| Purchase protection | Up to $1,000 per covered purchase, $50,000/calendar year; accidental damage and theft for 90 days from purchase Verified by source |
| Extended warranty | Adds up to 1 year to original manufacturer's warranty of 5 years or less; up to $10,000/item, $50,000/year Verified by source |
| Rental car CDW | Secondary, up to $50,000 per rental agreement; covers up to 30 consecutive days; excludes Australia, Italy, New Zealand Verified by source |
Using Amex Green at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
Amex closed the Green Card to new applications on Jul 23, 2026 (application and referral links error out), then renamed it the American Express Classic Green Card on Aug 20, 2026. Existing cardholders keep the $150 annual fee, 3x travel/dining/transit and the CLEAR+ credit unchanged; the card remains reachable only as a downgrade from Platinum or Gold. No replacement has been announced.
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The American Express® Classic Green Card has a $150 annual fee.
Using its non-spend-gated credits fully, the American Express® Classic Green Card returns about $219 in value against its $150 annual fee — a net of +$69 per year. It can pay for itself if you actually use the credits.
The American Express® Classic Green Card earns 3x on travel (broad — flights, hotels, etc.), 3x on transit (rideshare, trains, tolls, etc.), 3x on restaurants.
No — the American Express® Classic Green Card does not include airport lounge access.
No — the American Express® Classic Green Card has no foreign transaction fee, so it's a good card to use abroad.
Membership Rewards points after qualifying spend (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.
Yes. Most recent change (announced 2026-07-23): Amex closed the Green Card to new applications on Jul 23, 2026 (application and referral links error out), then renamed it the American Express Classic Green Card on Aug 20, 2026. Existing cardholders keep the $150 annual fee, 3x travel/dining/transit and the CLEAR+ credit unchanged; the card remains reachable only as a downgrade from Platinum or Gold. No replacement has been announced.