American Express
Business Green Rewards Card from American Express
Points transfer to travel partners
- Annual fee
- $95
- Welcome offer
- ~$300
- Annual benefits value
- -$95
- Est. 1st-year value
- $205
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Our review
The Business Green Rewards Card from American Express is an entry-level business charge card that earns flexible Membership Rewards points, with elevated earning on eligible travel booked through American Express Travel. It carries a modest annual fee and a light benefit set.
It ranks as a simple, low-commitment way for a business to earn transferable points, appealing to owners who want access to the Membership Rewards ecosystem without a premium fee or a large stack of credits.
The main value proposition is straightforward points earning plus the flexibility of Membership Rewards, rather than lounge access or recurring credits. It is designed for businesses that value simplicity.
One notable drawback for international use is that this card does charge a foreign transaction fee, unlike the issuer's premium travel cards, which makes it less ideal for purchases abroad.
For businesses that want an inexpensive card to earn transferable points on domestic spending, the Business Green Rewards Card is a reasonable option. Those who travel internationally or want richer benefits should consider a higher tier.
Why we like it
- Flexible Membership Rewards points earned on business spending.
- Elevated earning on eligible travel booked through American Express Travel.
- A low annual fee for an entry into the Membership Rewards ecosystem.
- Points that transfer to airline and hotel partners.
Who it's best for
- Businesses that want a simple, low-fee card to earn transferable points.
- Owners who spend mostly domestically and value simplicity over a large benefit set.
- Cardholders who want an entry point into Membership Rewards.
Welcome bonus
The current public welcome offer is 15,000 Membership Rewards points after spending $3,000 in eligible purchases within the first 3 months, though American Express notes welcome offers vary and you may not be eligible for a given offer.
Amex generally limits welcome offers to once per lifetime per card product. Confirm the exact offer and spend at application, and treat the estimated value shown above as an approximation.
Using your rewards
Membership Rewards points can be transferred to airline and hotel loyalty partners, redeemed for travel through American Express Travel, used as Pay with Points, or redeemed for gift cards and statement credits.
Transfer partners have long included a range of airline and hotel programs, though the participating list can change, so verify current options before planning a redemption.
For transfers into the frequent flyer program of a U.S. airline, American Express charges a small federal excise tax recovery fee (disclosed as $0.0006 per point, up to a maximum of $99 per transfer).
Airport lounge access
The Business Green Rewards Card does not include airport lounge access.
Foreign transaction fees
This card does charge a foreign transaction fee (American Express discloses 2.7% of each transaction after conversion to U.S. dollars), so it is less ideal for purchases made abroad or in a foreign currency.
Major credits & annual benefits
This is a lean card without the recurring statement credits found on the issuer's premium cards. Its value comes primarily from points earning and the flexibility of Membership Rewards rather than a slate of credits.
Insurance & protections
American Express offers a range of purchase and travel protections that can apply when you pay with the card. Coverage is subject to specific terms, limits, and exclusions and should be reviewed in the current benefits guide before you rely on it.
Fees & tradeoffs
The annual fee is modest, but so is the benefit set.
The main tradeoffs are the foreign transaction fee, which makes the card less suitable abroad, and the absence of credits or lounge access found on higher tiers.
Final verdict
For businesses that want an inexpensive way to earn transferable points on mostly domestic spending, the Business Green Rewards Card is a sensible choice when the welcome bonus and ongoing earning are weighed against the modest annual fee, roughly reflected in the estimated first-year value shown above.
Businesses that travel internationally or want richer benefits should consider the Business Gold or Business Platinum card.
Card details change often. Verify current rates, fees, welcome offers, credits, and benefit terms with the issuer before applying.
Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $0
- Welcome offer
- $300
- Annual fee
- −$95
- Estimated first-year net
- +$205
Welcome offer
Welcome offer value
Earn 15,000 points after $3,000 in spend within 3 months
$300
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$0
| Benefit | Frequency | Est. annual value |
|---|---|---|
2X on Amex Travel Earn 2X Membership Rewards points on eligible travel booked through American Express Travel, 1X on other purchases. No preset spending limit. | Annual | $0 |
Earning rates
Who it's for
Consider it if
- Points transfer to travel partners
Maybe skip it if
- Ongoing benefits may not cover the annual fee on their own
- Best value requires learning transfer partners
Fees & details
- Annual fee
- $95
- Foreign transaction fee
- 2.7%
- Card network
- American Express
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- Amex Membership Rewards
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | $95 | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$300 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $205 | $5,160.40 | $4,684 |
| Annual benefits value | -$95 | $2,160.40 | $1,684 |
| Editor rating | 3.2 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
