American Express · card facts

American Express Green

Travel-focused mid-tier card; credits are discounted heavily in our model.

WELCOME BONUS40k pointsSpend $3,000

ANNUAL FEE$150First year: $150

CREDITSHard$189/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$2,135

Welcome bonus · TPG est.+$800

Full advertised annual credits+$189

Rewards on $36,000 benchmark spend+$1,296

First-year annual fee−$150

Keep / year · best case credits

+$1,335

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $189 of those credits.

Advertised credits$189

Credit difficultyHard

TPG Aug. 2026 value2.00¢

Annual fee$150

Fee minus advertised credits+$39 credit surplus

Credit details

$189 advertised per year · Hard to use fully

Card creditsVaries · Varies difficulty

$189 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.