Amex Business Green Rewards Card
- Annual fee
- $0 for the first year, then $95
- Recommended credit
- Excellent
- Card network
- American Express
- Regular purchase APR
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate for Pay Over Time…
At a glance
The American Express Business Green Rewards Card grants users the ability to earn 1X Membership Rewards® point for each dollar spent on eligible purchases and 2 Membership Rewards® points for eligible travel purchases made at AmexTravel.com. You can also earn 2X Membership Rewards® points for every dollar you spend on eligible purchases with your card, up to a maximum of $50,000, during your first three months as a cardholder.
Our review of the Amex Business Green Rewards Card
If you’re in the market for a credit card with a simple rewards structure, the Amex Green Business Rewards Card might be just what you need. With the ability to earn up to 2X Membership Rewards® points on eligible travel purchases, a generous welcome offer, complimentary employee cards, and no annual fee for the first year, this card has a lot to offer.
Eligibility
American Express business cards cater to a wide range of businesses, including freelancers, independent contractors, and side hustlers. Whether you own a small business or earn money through freelance work, you can benefit from the rewards and perks of the Amex Business Green Rewards Card.
Credit Needed
While American Express doesn’t specify a minimum credit score requirement for this card, a good to excellent credit score is typically needed.
Pay Over Time
Similar to the Gold and Platinum Cards, the Business Green Rewards Card functions more like a charge card, requiring full payment each month. However, businesses can utilize the “Pay Over Time” feature to finance select purchases over $100 at a competitive APR.
No Annual Fee for the 1st Year
Enjoy no annual fee for the first year with the Business Green Rewards Card, followed by a $95 annual fee thereafter. Plus, adding employee cards is free, regardless of the number of cards issued.
Welcome Offer
Receive 15,000 Membership Rewards® points as a welcome offer when you spend $3,000 on eligible purchases within the first three months of card ownership. Perfect for frequent travelers and business professionals.
Earn Up to 2X Membership Rewards
Earn 2X points on eligible travel purchases at AmexTravel.com and 1X points on all other eligible purchases. While the rewards may seem basic, issuing employee cards can help maximize points accumulation.
How to Redeem Membership Rewards
Redeem your Membership Rewards points for various options, including travel, hotels, airfare, cruises, merchandise, gift cards, statement credits, and charitable donations. Points also transfer to leading hotel and airline loyalty programs for added flexibility.
Travel Benefits
Enjoy valuable travel benefits with the Business Green Rewards Card, including Car Rental Loss and Damage Insurance, Baggage Insurance Plan, and Travel Accident Insurance. These features provide peace of mind for both employers and employees in case of emergencies.
Complimentary Employee Cards
Get more out of your Business Card with free employee cards, allowing you to earn rewards and track expenses easily.
QuickBooks® Integration
Save time with auto-expense categorization in QuickBooks, streamlining your accounting processes.
Account Manager
Assign a trusted team member as an account manager to oversee your American Express account, handling tasks like payments, transaction reviews, and adding employee cards.
Account Alerts
Set up account alerts to avoid late payments, monitor spending, and track employee card usage.
Vendor Pay by Bill.com
Simplify bill payments and improve cash flow with Vendor Pay by Bill.com, utilizing your card benefits for business expenses.
Year-End Summary
Receive a detailed year-end summary categorizing your spending by month and purchase type, helping you track business expenses efficiently.
Comparison
| Card | Rewards | Annual Fee | Employee Cards | Perks |
|---|---|---|---|---|
| American Express® Business Gold Card | Earn 4X points on select categories | $295 | $95 for up to five cards | Up to $395 in annual credits |
| Business Green Rewards Card | Earn 2X points on eligible travel purchases | $95 | Free | N/A |
| Marriott Bonvoy Business® American Express Card | Earn 6X points at Marriott hotels | $125 | Free | 7% discount rate, award night every account anniversary, Gold Elite status |
What We Like About the Green Card
One standout feature of the Business Green Rewards Card is the complimentary employee cards, making it a cost-effective choice for businesses needing multiple cards without additional fees.
Things to Consider
While the Green Card offers some benefits, its rewards rate and welcome offer may not provide as much value as other American Express cards. Consider your spending habits and business needs before applying.
Should You Apply for the Business Green Rewards Card?
If you’re a frequent business traveler seeking rewards and travel perks, the Business Green Rewards Card from American Express could be a suitable choice. With valuable benefits, flexible redemption options, and the ability to earn points on every purchase, this card is worth considering for business owners and professionals.
Explore other card offers such as the United℠ Business Card, Ink Business Preferred® Credit Card, Ink Business Cash® Credit Card, and Ink Business Unlimited® Credit Card for more options.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 2X points for every dollar spent on eligible purchases at amextravel.com
- 1X points on all other purchases Unlimited earnings
- Employee cards for no additional fees
- No annual fee
Who this card may suit
- You want to earn 2 Membership Rewards® points for eligible travel purchases made at AmexTravel.com and 1 Membership
- Rewards® point for each eligible dollar spent elsewhere
- You do not want a limit on the points you can earn or points that expire
Rates, fees and terms
| Annual Fee | $0 for the first year, then $95 |
|---|---|
| Regular Purchase APR | 19.49% to 27.49% variable based on creditworthiness and the Prime Rate for Pay Over Time purchases |
| Foreign Transaction Fee | : 2.7% of the transaction amount in U.S. dollars |
| Penalty APR | 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | $39 or 2.99% of any past due Pay in Full amount, whichever is greater |
| Return Payment Penalty Fee | $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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