American Express Business Green Rewards Card
$95 annual fee · 1x on everything else · 2.7% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
2x | uncapped |
Signup bonus: 15,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Amex offers can vary by applicant.
Non-cash perks
- Pay Over Time with interest (eligible purchases automatically added to a Pay Over Time balance)
- American Express App account management
Does the fee earn out? · how we got this
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $8,637 of spending at the base rate (valuing Amex Membership Rewards at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 2x on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 2x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 2.7% foreign transaction fee. On a card earning 1.1¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
Don't want the fee any more?
American Express Business Green Rewards Card can normally be product-changed to two lower-fee cards in the American Express Membership Rewards (business) family, though only one of them keeps Amex Membership Rewards instead of being closed — which keeps the account, its age and its credit line.
What does American Express Business Green Rewards Card downgrade to? →
Comparing cards in the same currency? See the best cards that earn Amex Membership Rewards →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.americanexpress.com · www.americanexpress.com · www.nerdwallet.com. Spot an error? Tell us.