5 Amex Green Card Travel Benefits That Will Save You Money and Hassle (2023)

FAQs

What is the benefit of Amex Green card? ›

Green from Amex can help Card Members maximize their points with several practical points multipliers: 3X points per dollar at restaurants worldwide, including takeout or delivery in the U.S. 3X points on transit worldwide, from taxis and trains to tolls and beyond.

They'll also get 20% back on eligible travel and transit purchases in the first six months, up to $200 back in the form of a statement credit. TPG values this bonus at $1,400 (including statement credit), and you only need to spend $500 monthly for six months to achieve it.

To qualify for the Amex Green card, you'll need to have a good to excellent credit score (a FICO score of 670 or higher).

While there's no airline lounge membership included with the Amex Green, you do get up to $100 in LoungeBuddy credits each calendar year. LoungeBuddy is a service owned by American Express that lets you buy one-day entry to individual lounges at airports around the world starting at $25 per visit.

Amex Gold vs.

Travel Benefits Winner: The Amex Green card is the winner for travel benefits since it includes credits toward airport lounges and expedited security. The Amex Green Card caters more to travelers and as such includes a few benefits that will improve your travel experience.

Unlike many of the high-end rewards cards that are made of metal, Green from Amex is made from 70% reclaimed plastic collected from beaches, islands and coastal communities, in partnership with Parley for the Oceans.

Earns 3x points on dining, groceries, gas, air travel, and hotels, making this the mid-range card with the best bonus categories. Offers a $100 annual hotel credit valid through the Citi ThankYou portal.

The Amex Gold Card Is a Better Fit for You

If you've weighed the benefits of each card and decided that the bonus categories and perks of the Amex Gold card are a better fit for you, then it might make sense for you to upgrade your Amex Green card to the Amex Gold card.

However, you must fulfill the minimum annual income criteria for the American Express® credit card you are applying for. In general, you require a minimum income of Rs. 4.5 lakh or above if you are salaried, and Rs. 6 Lakh or above if you are self employed.

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

Is American Express interview tough? ›

It can be challenging to get a job with American Express because they have a lengthy interview procedure that can go up to four rounds. Since it spends so much on its workers, Amex hunts for the finest and brightest in the banking industry.

The American Express Green Card – one of our most recognizable cards - turns 54 this month.

Take advantage of complimentary access to over 1,200 airport lounges across more than 130 countries worldwide including the American Express lounges. Please refer to your Terms and Conditions for further details.

If you're a Platinum Card® from American Express cardholder, you get complimentary access to the Amex lounge networks on the day of your departure. You can bring two guests with you free of charge, and day passes for additional guests will cost you $50 each.

Upgrading an Amex Green Card to another Platinum is a great strategy if you want to collect a lot of Platinum cards. After you upgrade your Green card, you can open another Green card to maintain access to the great bonus categories offered by the revamp card.

Is Gold Card Higher Than Platinum? Both Amex Gold and Platinum offer a range of benefits, with the Gold card catering more to everyday spending and the Platinum card designed more for travelers. The Platinum card has more benefits, but it's annual $695 fee is higher than the Gold card's $250 fee.

Which Amex card is the easiest to get? The easiest Amex cards to get are ones with a lower minimum spending requirement for rewards, as well as a low annual fee or no annual fee. Examples include the Blue Cash Everyday Card from American Express and the American Express Cash Magnet Card.

You can carry a balance with interest, up to your Pay Over Time Limit. Make purchases like you normally do.

Coverage is provided by New Hampshire Insurance Company, an AIG Company. No Foreign Transaction Fees: No matter where you're traveling, when you use your American Express® Green Card there are no foreign transaction fees. $150 annual fee.

Who gets a black card? ›

Generally, a card issuer invites only their most loyal customers who spend upwards of six figures or more a year to become a black cardholder.

While 200K Amex points will typically only give you about $2,000 in value when you shop for flights in the Amex travel portal, you can sometimes find Business or First Class flights — that can normally cost over $10,000 — for only 200K points, when transferred to a frequent flyer program.

How much are 75,000 American Express points worth? At a minimum, 75,000 American Express Membership Rewards points are worth $750 when you use them in the Amex Travel portal. If you're looking for even more value, you'll want to transfer them out to an Amex hotel and airline partner.

The average spender* will earn about $417 in yearly rewards value, but it only takes spending at least $521 across your two 4X categories (restaurants and U.S. supermarkets) to break even on the annual fee if you redeem your points toward Amex air travel.

Bottom Line: If you'll be using your card for worldwide travel, the Amex Gold card is the better choice as it does not charge foreign transaction fees. It also earns 4x points on restaurant purchases worldwide and offers baggage insurance.

Does it make sense to have the Amex Gold and Platinum? Having both the Amex Gold and Amex Platinum can make sense if you use both cards enough to offset the annual fees. You can use the American Express® Gold Card for its dining credits and 4x purchase rewards on dining and supermarket purchases.

What you should know about the American Express income verification process: If Amex does request proof of income, you'll receive a reference number either by mail or email. This number will give you access to the American Express income verification portal.

Salary Needed for Amex Platinum Credit Card

If you make nearly $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

How much do you have to make to get Amex's black card? There aren't any income requirements per se, but you most likely need to be a high spender on your Amex cards. If you're in the ballpark of $250,000 to $500,000 in annual spending across all your open Amex cards, you may qualify for the Centurion card.

What is the richest Amex card? ›

The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.

If your main goal is to earn Amex Membership Rewards points and get some basic benefits and statement credits while paying the lowest annual fee possible, the Amex Green card will get you what you need.

Killer interview questions are general questions that interviewers ask to make you open up and demonstrate your true thoughts and behaviour. These questions help them encourage honesty because they're often unconventional and candidates may simply not expect to hear them during the interview.

Disadvantages of AmEx cards

One disadvantage of AmEx cards is that they charge both the seller and the buyer for processing a transaction. Since they do not rely on financial companies, such as Rupay, Mastercard or Visa, and have their own payment network, they charge additional fees on the transactions.

Business casual; a nice blouse or button-up shirt, nice jeans or slacks, and a nice pair of shoes would be perfect.

The annual membership fee for each Additional The American Express® Green Card is US$40.

Membership Rewards® points have no expiration date.

How does Amex decide your limit? ›

Debt-to-income ratio

This ratio calculates how much debt you have compared to your income. The more debt you carry, the less likely you are to qualify for a large credit limit with your credit card. The higher the income you have, the more likely you are to receive a higher credit limit.

Complimentary amenities at airport lounges include snacks and beverages, alcohol, WiFi, power outlets for gadgets, conference rooms, restrooms, etc. The facilities also vary from one card to another.

While there's no airline lounge membership included with the Amex Green, you do get up to $100 in LoungeBuddy credits each calendar year. LoungeBuddy is a service owned by American Express that lets you buy one-day entry to individual lounges at airports around the world starting at $25 per visit.

Access is non-transferable and can only be used by the Card Member. Platinum and Centurion American Express Card Members may enter the Club with up to two guests or their immediate family (spouse/domestic partner and children under 21 years of age) for a per-visit rate of $39 per person, per location.

All Centurion Lounges offer complimentary food and drink, and you're certainly able to eat a full meal inside, unlike many other lounges that offer only a snack service.

You'll also get purchase protection with your American Express® Green Card. If something you bought using the card gets damaged or stolen soon afterward, you'll be covered. Purchase protection* is valid for up to 90 days, and you can't claim more than $1,000 per covered purchase.

It is good to have an American Express credit card because Amex cards offer people with good or excellent credit attractive bonus rewards on a variety of purchases. American Express cards also come with an array of welcome offers and introductory 0% APR promotions, in addition to a certain air of prestige.

Disadvantages of AmEx cards

One disadvantage of AmEx cards is that they charge both the seller and the buyer for processing a transaction. Since they do not rely on financial companies, such as Rupay, Mastercard or Visa, and have their own payment network, they charge additional fees on the transactions.

Does my Amex cover me for travel? ›

American Express only offer Medical Assistance and Expenses, Cancelling, Postponing and Abandoning Your Trip, Cutting Short Your Trip, Personal Belongings, Money and Travel Documents and Legal Assistance and Compensation (pursuit) insurance underwritten by Inter Partner Assistance.

There is no preset spending limit on the Amex Green Card. The amount you can spend on the card may vary due to financial factors like payment, credit, and purchase history.

Approximately 26 percent of immigrants in California hold a green card or some other legal status, such as a visa. California health insurance for green card holders works just like it does for immigrants and citizens. Green card holders are eligible for coverage and financial assistance.

Getting the Amex Gold Card isn't the easiest card to qualify for as you need good or excellent credit. That means having a minimum 670 FICO score and existing cards in good standing. Being an existing American Express cardholder can also make it easier to qualify.

American Express can help your credit score if you are the primary accountholder or an authorized user aged 18 or older on an American Express credit card or charge card account. For an Amex card to be good for your credit score, the account must be kept in good standing with on-time monthly bill payments.

The different fees often make or break a deal for a merchant. This is why many merchants, especially small businesses, don't accept American Express. American Express' interchange fee is just too high. Providers like Visa and Mastercard charge between 1.15% and 2.5%, while Amex charges merchants between 1.43% and 3.3%.

For merchants, the biggest difference between American Express and Visa is how much they charge a merchant for processing payments. Amex processing fees are on the higher end, while Visa's fees are on the lower end.

Centurion® Card from American Express

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

American Express limits all customers to five personal and business credit cards at a time. The five-card rule does not apply to charge cards, which provides some flexibility if you need more than five Amex cards. Charge cards include the Amex Platinum, American Express® Gold Card and American Express® Green Card.