American Express Business Green Card

Quick Snapshot

• Annual Fee: $95
• APR: 19.49%-27.49% variable
• Rewards: 2X travel, 1X everything else
• Bonus: 15,000 Membership Rewards points after $3,000 in purchases in 3 months
• Best For: Business owners who want a low-fee charge card with Membership Rewards and no preset spending limit
• Credit Needed: Good to Excellent (670+)

Overview

The American Express Business Green Card is the entry-level charge card in the Amex business lineup, offering 2X Membership Rewards points on travel purchases including transit, flights, and hotels, and 1X on everything else. At $95 per year, it provides access to the Membership Rewards ecosystem and the flexibility of no preset spending limit, which adjusts based on your spending patterns and financial profile.

The 15,000-point welcome bonus after $3,000 in spending is modest, but the card's value proposition lies in its ongoing earning and charge card benefits rather than the sign-up offer. Points transfer to the same 20+ airline and hotel partners as the premium Amex cards, giving you access to high-value redemptions despite the lower annual fee. The card includes a CLEAR Plus membership credit, which provides expedited airport security at over 50 airports.

The Business Green Card makes the most sense for business owners who want Membership Rewards transferability at the lowest possible annual fee, need a charge card with no preset spending limit for variable business expenses, or are building toward a multi-card Amex strategy. It serves as a points-pooling hub when combined with other Membership Rewards cards, keeping your points active and transferable.

APR Breakdown

• Purchase APR: 19.49%-27.49% variable
• Balance Transfer APR: N/A
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: This is a charge card product. Balances must be paid in full each month for most purchases, though the Pay Over Time feature allows select charges to be carried at the stated APR.

Benefits Overview

Membership Rewards Earning

• 2X points on transit including trains, buses, taxis, and rideshares
• 2X points on travel including flights, hotels, and cruises
• 1X points on all other eligible purchases
• Transfer points to 20+ airline and hotel partners

Charge Card Flexibility

• No preset spending limit adjusts to your business needs
• Pay Over Time option available for select larger purchases
• Employee cards at no additional cost
• Built-in spending controls for team members

Travel Benefits

• CLEAR Plus membership credit for expedited airport security
• No foreign transaction fees
• Car rental loss and damage insurance
• Global Assist Hotline for travel emergencies

Business Management

• Year-end spending summaries and reports
• Connect to QuickBooks and other accounting platforms
• Receipt management tools
• Dispute resolution support

Rewards & Points

• 2X Membership Rewards points on travel and transit purchases
• 1X points on all other eligible purchases

Despite the modest earning rates, the card provides access to the full Membership Rewards transfer partner network. Combined with points from other Amex Membership Rewards cards, the Business Green serves as an affordable way to keep your points balance active and transferable.

Welcome Bonus

Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on your new card within the first 3 months of card membership. At baseline value, this is worth $150; transferred to airline partners, it can be worth $225 to $300. The low spending requirement makes it accessible for businesses of all sizes.

Fees Summary

• Annual Fee: $95
• Employee Card Fee: $0
• Balance Transfer Fee: N/A
• Cash Advance Fee: N/A (charge card)
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Budget-conscious business travelers who want Membership Rewards at the lowest annual fee
• Variable spenders who need a charge card with no preset spending limit
• Multi-card strategists who want to pool Membership Rewards across multiple Amex cards
• CLEAR members who can use the CLEAR Plus credit to offset the annual fee

Not Good For

• High-earning seekers who want 3X or more on business categories
• Cash-back fans who prefer straightforward percentage rewards
• Balance carriers who need to carry balances monthly on a credit card

Key Pros & Cons

Pros

• Lowest annual fee for an Amex business charge card at $95
• 2X on travel and transit provides solid earning on business trips
• Access to full Membership Rewards transfer partner network
• No preset spending limit adapts to your business needs
• CLEAR Plus membership credit offsets most of the annual fee
• No foreign transaction fees for international business
• Employee cards at no extra cost
• Points pool with other Membership Rewards cards
• Low $3,000 threshold for the welcome bonus

Cons

• $95 annual fee when no-fee alternatives like Blue Business Plus earn 2X on everything
• 1X base rate on non-travel spending is below the Blue Business Plus rate of 2X
• 15,000-point welcome bonus is small compared to other business cards
• Charge card requires paying most balances in full each month
• Limited travel protections compared to the Business Platinum or Gold
• No lounge access, airline credits, or hotel status
• 2X rate is limited to travel and transit, not broad spending categories
• CLEAR credit only valuable if you fly through airports with CLEAR lanes

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $525 including welcome bonus at $150, points earned at $460, and CLEAR credit at approximately $189, minus the $95 annual fee. Value improves with airline transfer partners.

Should You Get This Card?

You Should Get It If...

• You want the cheapest way to earn Membership Rewards points on a business charge card
• You need a card with no preset spending limit for variable business expenses
• You fly through airports with CLEAR lanes and can use the CLEAR Plus credit
• You pool Membership Rewards across multiple Amex cards and need another earning card
• You travel for business and want 2X on flights, hotels, and transit
• You prefer the discipline of a charge card that requires paying in full

You Should Skip It If...

• You can get the Blue Business Plus for 2X on everything with no annual fee
• You want higher earning rates in specific business categories like advertising or shipping
• You need to carry balances and require a credit card rather than a charge card
• You want a large welcome bonus to help with early business expenses
• You do not fly through airports with CLEAR and cannot use the credit
• You prefer cash back over transferable points

Apply Now

Apply for American Express Business Green Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.