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American Express® Green Card review: A fair option for infrequent flyers

A solid first rewards card for occasional travelers.

 /  14 min
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Snapshot

4.4

Bankrate rating
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Rating: 4.4 stars out of 5

Bottom line

The Amex Green is a good choice if you travel occasionally, but not enough to warrant paying a high annual fee for a luxury travel card. However, another travel card will likely be a better fit if you’re after premium perks like unlimited airport lounge access.

Best for Everyday Travel + Transit

American Express Green Card®

American Express Green Card®

Recommended credit score:(670 - 850)

Intro offer

Earn 40,000 points

Rewards rate

1X - 3X

Annual fee

$150

APR

20.74% - 28.74% (Variable)

4.4

Cardholder rating

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4.4 / 5

Extra perks

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4.2 / 5

Meets needs

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4.5 / 5

Customer service

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4.4 / 5

Information safe

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4.6 / 5

4.4

Bankrate score

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4.4 / 5
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All information about the American Express® Green Card and Amex EveryDay® Credit Card from American Express has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.

American Express® Green Card Overview

The American Express® Green Card offers a terrific rewards structure if you want to earn elevated points on dining, transit and travel. Its annual credits can offset the card’s $150 annual fee if you travel enough to take advantage of them. But the best part is that the Amex Green Card lets you rack up valuable points in the American Express Membership Rewards program, known for its flexibility and valuable transfer partners. However, you might benefit from more luxurious perks and higher reward rates with another travel card if you’re a frequent flyer. 

  • Credit Card Cash Back Icon

    Rewards

    • 3X Membership Rewards points in expanded travel categories (including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals, travel purchases on third-party travel websites and travel purchases on amextravel.com)
    • 3X points on eligible purchases at restaurants worldwide, including takeout and delivery in the U.S.
    • 3X on transit (includes trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways)
    • 1X points on all other purchases

    Expert Appraisal: Good
    See our expert analysis

  • Rewards Icon

    Welcome offer

    •  40,000 Membership Rewards® Points after you spend $3,000 in your first six months

    Expert Appraisal: Good
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • Annual fee: $150
    • Foreign transaction fee: None
    • Regular APR for Pay Over Time: 20.74% - 28.74% variable APR
    • Pay Over Time Penalty APR: 29.99 percent
    • Cash advance fee: Either $10 or 5 percent of the amount of each cash advance (whichever is greater)
    • Late payment fee: Up to $40
    • Returned payment fee: Up to $40

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Annual statement credit for CLEAR membership 
    • Annual LoungeBuddy statement credit
    • Travel and purchase protections

    Expert Appraisal: Typical
    See our expert analysis

Amex Green pros and cons

Pros

  • Checkmark Icon

    This card offers a great rewards rate for travel that includes more than just flights and hotels, such as campgrounds and vacation rentals.

  • Checkmark Icon

    Credits for CLEAR Plus membership and LoungeBuddy are attractive perks that can help offset the annual fee.

  • Checkmark Icon

    The welcome bonus has great value and is attainable for many cardholders.

  • Checkmark Icon

    If you travel abroad frequently, you won't need to worry about foreign transaction fees when using this card.

Cons

  • The annual fee isn’t waived in the first year, so you'll need to make sure you can offset the fee through rewards or perks.

  • Unless you use the Pay Over Time or Pay It Plan It features, this card requires you to pay off your balance in full each month.

  • The Pay Over Time ongoing APR is high and the card lacks intro APR offers to help you save on interest.

Why you might want the Amex Green

The Amex Green stands out thanks to its redemption flexibility and potentially high rewards value, which could make the welcome offer quite lucrative. The card also has plenty of value to offer if you don’t fly often but prefer more unique travel options like camping or cruises. 

Rewards: Earn on expanded travel categories

You can earn unlimited 3X Membership Rewards points in expanded travel categories. But even if you don't travel often, you can earn bonus rates in non-travel categories. You earn 3X points at restaurants worldwide (including takeout and delivery limited to U.S. restaurants), 3X points on transit and 1X points on all other purchases. Even if you don't travel often, you can earn bonus rates in non-travel categories. 

The travel category for the Amex Green is especially notable compared to other mid-tier travel cards since many eligible purchases go beyond basic airfare and hotels. You can earn on travel purchases made on third-party websites and through the American Express Travel portal. Eligible purchases include options like car rentals, cruises, campgrounds and vacation rentals. Whether you prefer to take a road trip, catch a flight or set sail, the Amex Green card’s broad travel category has you covered. 

The transit category is also surprisingly robust and isn’t often found on competing travel rewards cards. It's a great way to earn rewards on daily commutes and rideshares. This adds flexibility to the card that can elude even some premium cards, making it easier to earn rewards and offset the annual fee.  

Redemption: Flexible options and potentially high redemption value

You can redeem American Express Membership Rewards points for cash back, merchandise, gift cards and eligible travel through the Amex Travel portal, as well as at checkout with select merchants. You can also transfer points to airline and hotel Amex transfer partners like Hilton Honors, Delta SkyMiles, Air France / Flying Blue and more.

Thanks to this variety of options and travel partners, American Express Membership Rewards points are some of the most valuable you can earn, holding a 2.0 cents redemption value on average, according to Bankrate's valuations. You’ll typically want to redeem points on options that give you a point value of at least 1 cent apiece. Booking flights with American Express Travel, selecting gift cards or transferring to certain partnering hotels and airlines might be your best choices.

Welcome offer: Solid short-term value

New cardholders can earn 40,000 points after spending $3,000 on purchases on the card in the first six months. The value of 40,000 Membership Rewards points will vary based on how you redeem them, but if you take advantage of Amex’s travel partners, you could squeeze about 2.0 cents out of each point, according to Bankrate's latest valuations, making this offer worth around $800. 

This is a great value, especially when you compare it to other premium travel card offers. For example, the Capital One Venture X Rewards Credit Card offers 75,000 bonus miles when you spend $4,000 in the first three months of account opening. Although the values of the welcome offers are close, with the Venture X’s being worth around $750 when redeemed for travel, the Venture X’s annual fee is much higher at $395 (See Rates & Fees).

Some of the content regarding the Capital One Venture Rewards Card is expired

Why you might want a different travel card

While you might enjoy reward flexibility with this card, if you prefer more premium perks to justify the annual fee, you might look elsewhere.

Rates and fees: High fees if you carry a balance 

The Amex Green Card comes with a $150 annual fee, which is reasonable for a mid-tier travel card. However, you'll need to either take advantage of this card's two annual statement credits — which are most beneficial for frequent travelers — or earn enough rewards every year to help offset the cost. If you are looking for premium perks like an annual companion pass, a dedicated airline card might better suit you. 

Its other fees are also on the higher end. You'll pay a fee of 5 percent (minimum $10) on cash advances, plus a 29.99 percent variable cash advance APR if you use your card to withdraw cash, a late payment fee up to $40 and a returned payment fee up to $40. Using the Pay Over Time payment option carries a high variable APR as well. So if you carry a balance, these fees may cut into your rewards. However, Amex does offer a Pay It Plan It feature that could also help manage your card debt.

Perks: Few luxury benefits

The Amex Green Card has some key travel benefits and protection plans, such as trip delay insurance, lost baggage insurance and secondary auto rental coverage. This card also offers several statement credit opportunities that can help offset the cost of the card’s annual fee. You can receive up to $199 in credit toward a CLEAR Plus membership each year, which can help you get through security lines faster at participating airports and other venues and a LoungeBuddy credit up to $100, which you can use to purchase lounge access at hundreds of airports worldwide. 

But occasional flyers may not find these credits worthwhile. If you don't fly a lot, then you might consider a travel rewards card with a lower annual fee that has more practical perks. 

We tried it: Here’s what our experts say

The American Express Green Card can be a strategic option that complements your lifestyle and travel capabilities. Here's how Stephanie Zito, Bankrate’s Travel Rewards Expert Contributor, puts it:

“The traditional American Express Green Card may not be the most exciting card in the Amex portfolio, but it definitely has its place. During the pandemic, I downgraded my American Express Platinum because I wasn’t using the travel benefits, and keeping the Green Card open gave me a good place to park my Membership Rewards points — while paying a much lower annual fee and still taking advantage of a good 3X earning rate at restaurants, travel and transit.”

— Stephanie Zito, Bankrate contributor

And check out why expert contributor Holly D. Johnson also loves the Amex Green card

First-year value vs. ongoing value

Your first year with the Amex Green card is where you’ll find the most value due to its fantastic welcome offer. There’s also the annual CLEAR and LoungeBuddy credit that will more than offset the card’s $150 annual fee. 

If you don’t travel enough to use the credits, the card’s ongoing rewards can also make up for the annual fee, depending on your spending. Based on our card scoring formula, we've calculated that the average spender will earn about $247 in yearly rewards value, with most of that spending in the card’s 3X-point categories. Either way, the Amex Green doesn’t make it tedious to justify its annual fee, even without the focus on airline travel and hotels.

To make your research easier, we’ve calculated the Amex Green card’s first-year and ongoing value based on our card scoring formula, a $22,500 annual spend and the baseline 1-cent value through Amex.

Benefits and Costs

First-year value

Ongoing value (no welcome offers)

Yearly rewards

+$247

+$247

Welcome offers

+$400 value (40,000 bonus points after spending $3,000 on purchases in the first six months of card membership)

Perks (of monetary value)

  • +$199 (CLEAR Plus credits per year on eligible purchases)

  • +$100 (LoungeBuddy credits per year on eligible purchases)

  • +$199 (CLEAR Plus credits per year on eligible purchases)

  • +$100 (LoungeBuddy credits per year on eligible purchases)

Annual fee

-$150

-$150

Total value

$786

$386

How the American Express Green Card compares to other travel rewards cards

While the Amex Green card is a solid mid-tier card, it may not be the best fit depending on your spending or travel habits. Whether you’re looking for an American Express credit card that earns American Express Membership Rewards points or a general travel rewards card, you might consider these alternatives. 

Image of American Express® Green Card

American Express® Green Card

Annual fee

$150

Intro offer

Earn 60,000 points
Info Icon

Rewards rate

3X - 3X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of American Express® Gold Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on American Express's secure site

Annual fee

$325

Intro offer

60,000 points
Info Icon

Rewards rate

1X - 4X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Capital One Venture Rewards Credit Card

Annual fee

$95

Intro offer

75,000 miles
Info Icon

Rewards rate

2 Miles - 5 Miles
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon

Best cards to pair with the Amex Green Card

The Amex Green card pairs well with a no-annual-fee cash back card that earns in bonus categories the Green card doesn’t cover. If you have a business, an Amex business card could supplement your travel spending. Depending on your needs, here are a few options that can make a solid pairing.

Who is the Amex Green right for?

This card could benefit occasional travelers, especially those who prefer non-flight vacation options like taking a cruise. Commuters can also take advantage of this card's elevated rewards rate.

Bankrate’s Take — Is the Amex Green worth it?

Although the Amex Green Card has a $150 annual fee, the welcome offer can more than make up for it the first year and the annual statement credits can help offset it long-term. Paired with the ability to transfer your earned points to travel partners, you have a solid mid-level travel rewards card that can reward your everyday travel. However, make sure you use the cardholder benefits available to you. If the benefits aren’t a great fit, you may want to consider another travel card with different benefits or no annual fee.

Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

All information about the American Express® Green Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.

How we rated this card

Document Icon
150+
cards rated
Congrats Icon
50+
rewards programs valued
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1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest). 

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

Frequently asked questions

What cardholders think

Image of American Express® Green Card

American Express® Green Card

4.4 Star Icon
47 ratings
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Score breakdown
5 stars
51%
4 stars
38%
3 stars
9%
2 stars
2%
1 star
0%
Score by category
Overall 4.4 / 5
Extra perks 3.9 / 5
Meets financial needs 4.2 / 5
Privacy and security 4.4 / 5
Customer service 4.0 / 5
Online portal or mobile app 4.1 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore American Express® Green Card reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I don't think any fee is worth it but American Express has been around for a long time for a reason.
Score by category
Extra perks 3 / 5
Meets financial needs 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I like the prestige of using the card
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Flexibility
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
their just extremely professional all around
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Great for travel because everybody accepts it
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I recently joined their membership points program and love the experience.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I often wonder. It used to be worth it when the reward points were more fair but now I question it. It has driven me to use my preferred cash rewards card more often.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
They are reliable and trustworthy
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It's American express
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
yes I use it instead of cash
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Very secure and good customer service
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It is a great card to have and the customer service is excellent.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I just use the card as credit and do not use perks
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
American express is not accepted everywhere and user does have to pay in full every month.
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I only use my American Express card about 2 times a year.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes this card is my go to everyday and everything card at the moment
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend because the rewards and how easy it is to pay it off
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it’s my favorite one
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend it because it's very convenient and easy to avoid fees with
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
international acceptance
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
was able to purchase extra holiday items
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
yes i would bc its easy to use and trustworthy
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to everyone it’s amazing with amazing benefits and you know your always secure in your purchase
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Trustworthy company
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend because it is a good value and serves my needs
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The customer service is better than a lot of other cards and the extras for being a Cardmember are fun.
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I would probably cancel credit cards with annual fees.
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yea, I travel A lot for work during the month so I rely On it quite a bit
Score by category
Extra perks 2 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I use it and I like it
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Cash back rewards
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Simple, reasonable yearly fee and decent perks
Score by category
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, better points on other cards…
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
My husband had a corporate card for a job a long time ago. We took a new job and switched the card to the green card. We have had it ever since.
Score by category
Meets financial needs 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is a part of my everyday life because it's very reliable
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I like the plans program for purchases over $100 And no set limit….
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend it because it is very reliable and helpful
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Have this card for decades
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is the primary card I use from Amex
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because of the great service offered and the good catch backs
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
When I had been scammed ,the customer service was great and they refunded my money
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
My company choose it.
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend because it has a low fee and still get good returns for points and access to premium content
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No. It’s just a backup. I almost never use it as I get better rewards with my capital one card and it’s integrated into my regular budgeting and expense tracking
Score by category
Extra perks 1 / 5
Meets financial needs 2 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I do not use it, my husband does but I have one.
Score by category
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The price was reasonable compared to other cards
Score by category
Extra perks 3 / 5
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use this for work spending only
Score by category
Extra perks 2 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was the best option for my business at the time and best fee structure for a business
Score by category
Extra perks 3 / 5
Meets financial needs 2 / 5
Online portal or mobile app 2 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Written by
Reena Thomas, Ph.D.
Editor II, Credit cards
Reena Thomas, Ph.D., is an editor/writer at Bankrate and CreditCards.com with a focus on credit card reward offers.
Edited by Former Senior Editor, Credit Cards
Reviewed by Contributor, Personal Finance

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.