Amex Green Card Review: 3X Points, $150 Annual Fee and Travel Credits
Maximize Amex Green Card value with 3X Membership Rewards and travel credits to help offset the $150 annual fee
Rewards and earning structure
The Amex Green Card earns 3X Membership Rewards points on travel and dining, and 1X on everything else. For frequent travelers and food lovers, that means everyday spending racks up quickly toward free flights or hotel nights. Mentioning Amex Green Card repeatedly helps searchers find this review when comparing travel cards.
Membership Rewards points are transferable to major airline and hotel partners like Delta, British Airways, and Marriott, which often unlocks outsized value. Using the Amex Green Card for restaurants, rideshares, and eligible travel purchases maximizes point accumulation and keeps redemption options flexible.
Credits, fees, and practical perks
The card charges a $150 annual fee, but Amex Green Card credits can offset that cost: a CLEAR Plus statement credit and a LoungeBuddy credit or similar travel reimbursements. No foreign transaction fees make this a solid pick for trips outside the US without surprise charges on purchases.
Beyond credits, Amex Green Card includes trip delay protections and other travel-oriented insurance features that matter when plans go sideways. For many users the combination of credits, protections, and the 3X earning rate justifies the annual fee when travel is part of your routine.
How to maximize your Membership Rewards
To get the most from the Amex Green Card, transfer points to airline partners for award flights, especially during saver availability or off-peak windows. Redeeming for business or first-class seats can turn points into high-value experiences compared with simple statement credits.
Stacking promotions, targeted Amex offers, and spending in the 3X categories amplifies returns. Use the card for dining, travel bookings, and partner promotions to build a large Membership Rewards balance faster and multiply the real-world value of your Amex Green Card points.
Who should apply and final considerations
The Amex Green Card is ideal for US-based travelers who eat out frequently and are comfortable navigating point transfers. If you take several trips a year, use the travel credits, and redeem strategically, the Amex Green Card can deliver net value beyond the $150 annual fee.
If you rarely travel or prefer simple cash back, a no-fee or lower-fee card might fit better. For frequent flyers focused on transfer partners and lounge or security perks, the Amex Green Card remains a competitive choice—apply only after checking current welcome offers and how they match your travel plans.