American Express Business Green Card Review: Worth It?

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The Business Green Rewards Card from American Express while offering some flexibility and travel benefits, is generally considered lackluster due to its subpar earning potential compared to other business cards.

It earns Membership Rewards points, but at a rate of only 2 points per dollar on eligible purchases at American Express Travel and 1 point per dollar on all other eligible purchases.

This article will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

Amex Business Green Rewards Card
  • Earn 15,000 Membership Rewards Points After $3,000 in Eligible Purchases in the First 3 Months.
  • 2x Points Per $1 for Flights and Pre-Paid Hotels on
  • 1x Points Per $1 on All Other Purchases
  • $0 Intro Annual Fee, Then $95 After (Rates and Fees)
Learn More
All information about this card has been collected independently by Deals Points; Terms Apply

Welcome Bonus

The Amex Business Green Card currently offers the following welcome bonus:

Earn 15,000 Membership Rewards Points After $3,000 in Eligible Purchases in the First 3 Months.

Earning Points

The Amex Business Green Card earns Membership Rewards points at the following rates:

  • 2 points per dollars on flights and prepaid hotels on; and 
  • 1 point per dollar on all other purchases.

Annual Fee

The Business Green Amex has a $95 annual fee, which is quite high given the lack of other benefits.

Card Benefits and Perks

Below are the benefits and perks of the Amex Business Green Card:

No Pre-Set Spending Limit

American Express’s No Preset Spending Limit feature is a unique aspect of their credit cards that offers users flexible spending capacity.

Unlike traditional credit cards, there is no predetermined limit on the amount you can spend. Instead, the amount you can spend adjusts according to factors such as your purchase, payment, and credit history.

Secondary Rental Car Insurance*

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

You still need to maintain liability car insurance to cover damage to another person or property.

Baggage Insurance Plan*

Baggage insurance covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.

You must purchase the trip with this card, and it will also cover immediate family members traveling with you.

Extended Warranty*

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 5 years.

For example, if you bought a TV with a manufacturer’s warranty of three years, this card would extend the warranty for free to the fourth year.

Purchase Protection*

Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.

For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.

*(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company.)

Access to Amex Offers

This card has access to Amex Offers, which are deals that are linked to your card, allowing you to save money or earn extra points on shopping, dining, and travel.

For example, there could be an offer such as spending $200+ at Marriott Hotels and Resorts and receiving $50 cash back as a statement credit.

You can find all of your Amex Offers by signing into your American Express account. You will need to “Add to Card” each offer to be eligible for the special offer.

Amex Offers

Redeeming Membership Rewards

American Express Membership Rewards is a popular rewards program that offers a variety of redemption options, including travel, merchandise, gift cards, and more.

However, to get the most value out of your rewards, it’s important to use them strategically.

One of the best ways to use Amex Membership Rewards is through transfer partners.

The program partners with over 20 airline and hotel partners, including ANA, Air Canada Aeroplan, Iberia Avios, and Avianca LifeMiles.

By transferring your points to these partners, you can often get more value per point and enjoy a wider range of redemption options.

American Express Logo Membership Rewards Transfer Partners [1 to 1]
Aer Lingus Aer Lingus Avios AEROMEXICO LOGO AeroMexico [1 to 1.6]
Air Canada Air Canada Aeroplan Air France Air France/KLM Flying Blue
ANA ANA Avianca Avianca LifeMiles
British Airways British Airways Avios Cathay Pacific Cathay Pacific Asia Miles
Delta Air Lines Delta SkyMiles El Al El Al [1,000 to 20]
Emirates logo Emirates Etihad Etihad Guest
Hawaiian Airlines logo Hawaiian Airlines Iberia logo Iberia Avios
JetBlue JetBlue [250 to 200] Qantas Logo Qantas
Qatar Airways logo Qatar Airways Singapore Airlines Singapore KrisFlyer
Virgin Atlantic logo Virgin Atlantic Choice Logo Choice
Marriott Hotels Marriott Bonvoy Hilton Hotels Hilton Honors [1 to 2]

Pros and Cons

Here’s a quick overview of this card’s advantages and disadvantages:


  • Baggage Insurance, Rental Car Insurance, Purchase Protection, and Extended Warranty.
  • Ability to earn valuable Membership Rewards points.


  • $95 annual fee with no credits to offset the fee.
  • 2.7% Foreign Transaction Fee.
  • Only one 2x category and it requires booking via

Alternatives to the Amex Business Green

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

Blue Business® Plus Credit Card from American Express

Better for No Annual Fee

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The Blue Business® Plus Credit Card from American Express (review) is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

The Business Platinum Card® from American Express

Better for Airport Lounge Access

Best for Airport Lounge Access
The Business Platinum Card® from American Express
  • bonus_miles_full
  • 5X Points on Flights and Prepaid Hotels Booked Via
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year).
  • Airport Lounge Access at Centurion Lounges, Delta Sky Clubs when Flying Delta, Escape, Plaza Premium, and Priority Pass.
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply; Enrollment is Required for Some Benefits.

The Business Platinum Card® from American Express (review) is an outstanding choice for business owners who want airport lounge access including the American Express Global Lounge Collection, Centurion Lounges, Delta Sky Clubs, Escape Lounges, Priority Pass lounges, and more. 

The Business Platinum card also offers several statement credits to offset the $695 annual fee:

  • $200 Airline Fee: Annual airline fee credit of up to $200 on charges by the airline you select per calendar year.
  • $400 Dell: Annual statement credit on all U.S. Dell purchases, up to $200 semiannually. 
  • $120 Wireless Phone Services: Annual statement credits for purchases made directly with any U.S. wireless telephone provider, up to $10 per month.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Business Platinum Card.
  • Global Entry or TSA PreCheck: Statement credits for Global Entry ($100) or TSA PreCheck ($85) every four years (4.5 years for PreCheck).

You can also earn 5X Membership Rewards® points on flights and prepaid hotels on, and 1.5x points on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

The American Express Business Platinum comes with automatic Hilton Honors Gold and Marriott Bonvoy Gold so that you can enjoy perks like room upgrades, late check-out, and a points bonus.

Additionally, the points you earn can be transferred to several Amex transfer partners such as Air Canada Aeroplan, Delta SkyMiles, and Marriott Bonvoy. This potentially increases the value of your points depending on how you redeem them.

Ink Business Preferred® Credit Card

Better for Travel

Ink Business Preferred® Credit Card
  • bonus_miles_full
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® Credit Card (review)   is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.

With this card, you’ll earn:

  • 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
  • 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.

Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:

  • Primary rental car insurance (when renting for business purposes).
  • Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
  • Purchase and extended warranty protection.

Is the the Amex Business Green Worth It?

No, the Amex Business Green Card is not worth it.

The card is in a major need of a refresh by American Express to make this card more competitive. An easy way to do that would be to duplicate American Express® Green Card (review) and make a business version. But until that happens, I suggest getting another card.

For rates and fees of The Business Platinum Card® from American Express, please click here.

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