Business Green Rewards Card
$150 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $150”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
“Foreign Transaction: None.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$30 | −$30 |
| Typical spender | $150 | $150 |
| Heavy spender | $510 | $510 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 65% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Membership Rewards
- 2× pointsFlights, prepaid hotels, and other eligible travel booked through AmexTravel.com or on the Amex Travel App™
- 1× pointsEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $150” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Transaction Fees Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF “Foreign Transaction: None.” |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Account Re-op ening: $25 if your Account is cancelled, you ask us to re-open it, and we do so.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- No Preset Spending Limit; spending adapts based on factors such as purchase, payment and credit history.
- Pay Over Time feature for eligible charges, up to the assigned Pay Over Time Limit.
- Amex Offers lets Card Members add offers to an eligible Card and earn extra rewards on qualifying purchases with select brands.
- Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires and missing luggage assistance; third-party provider costs are the Card Member's responsibility.
- Up to 99 Employee Cards can be added, with a no Annual Fee Employee Card option; employee purchases earn Membership Rewards points in the Basic Card Member's account.
- Employee Card controls include spending limits, real-time alerts, online spending tracking, and the ability to pause or resume spending.
- Connect to QuickBooks provides automatic categorization of Business Card transactions after enrollment.
- Account Manager access can be granted to designated individuals to manage the American Express Business Card account.
- Year-End Summary provides an annual overview of spending and downloadable charge information.
- Online Statements and the American Express App provide account, spending, rewards and payment management tools.
- Vendor Pay by BILL is available for eligible business bills after enrollment; additional plan and usage fees may apply.
- Dispute resolution assistance is available for fraudulent or incorrect statement charges.
- Extended Warranty can extend the original manufacturer's warranty for covered purchases by up to one additional year.
- Purchase Protection covers covered purchases for up to 90 days if stolen or accidentally damaged.
- Baggage Insurance Plan coverage applies when the entire common-carrier fare is purchased with an eligible Card.
- Car Rental Loss and Damage Insurance requires use of the eligible Card to reserve and pay for the entire rental and declining the collision damage waiver; coverage is secondary and excludes liability coverage.
- Extended warranty: one additional year
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
- Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; for New York State residents, a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip
- Rental car
Questions
- What is the annual fee?
- $150 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other points cards with fees up to $300
- WealthRegions · $125 a year+$475 a year
- Hilton Honors American Express SurpassAmerican Express · $150 a year+$350 a year
- Business Essentials PlusUS Bank · $295 a year+$155 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).