Earning points for travel is a great way to save money on airfare and hotels, and American Express Membership Rewards points are more flexible than most.
But how do you earn Amex Membership Rewards points? There are plenty of American Express credit cards that can help you get there, and the American Express® Green Card is considered one of the mid-tier options due to its $150 annual fee.
If you’re curious about the benefits and rewards of this card, read on to learn more.
Amex Green Card Highlights
The Amex Green Card is unique in that you earn 3x the points in many popular spending categories. If you choose to subscribe to this card, here are the main details of the card to know:
- Welcome offer: 30,000 Membership Rewards points when you spend $2,000 on purchases within three months of account opening
- Awards: 3X points in an expanded travel category (flights, hotels, public transport, taxis, ride-sharing services and tours); 3X points in restaurants worldwide; 2X points on rental cars booked through amextravel.com; 1X points on everything else
- Annual subscription: $150
The American Express Green Card is unique in that you earn 3x more points in many categories, and the categories themselves are quite broad. For example, this card gives you 3X points on all travel purchases, not just travel booked through amextravel.com. Specifically, Amex states in its fine print that you earn this rate on “qualifying travel purchases, including airfare, hotels, cruises, tours, car rentals, campgrounds, travel purchases on third-party travel websites and travel purchases on amextravel.com”.
The public transportation category is also broad and includes trains, taxis, ride-sharing services, ferries, tolls, parking lots, buses, and subways. Earning 3X points on all purchases at restaurants around the world is also nice, and don’t forget you’ll earn 1X points on all other purchases.
American Express Membership Rewards points can be redeemed in a variety of ways, including for almost any type of travel through amextravel.com. You can also redeem your rewards for merchandise or purchase options that allow you to “pay with points” directly.
The Amex Membership Rewards program also offers an excellent selection of airline and hotel partners, including Delta SkyMiles, Air France/Flying Blue, Hilton Honors and many more. You can read more about current transfer partners in Bankrate’s American Express Transfer Partner Guide.
This travel credit card comes with a few travel benefits that can help you get more for your money. American Express Green Card travel benefits include the following:
Net credit of $100
This card gives you up to $100 in credits for Clear membership, which helps expedite airport security at participating airports. Note that this credit is good every calendar year, but Clear Plus membership actually costs $179 per year.
$100 LoungeBuddy credit
Cardholders also get up to $100 in statement credits for LoungeBuddy purchases each year. Since lounge access at participating airports starts at $25, this credit can be good for up to four lounge visits per year.
Trip delay insurance
Customers also receive travel delay insurance worth up to $300 per trip when a covered trip is delayed more than 12 hours. A maximum of two claims are allowed every 12 consecutive months.
Secondary car rental coverage
Plus, qualify for Rental Car Loss Damage Waiver, which is good for damage to or theft of a rental vehicle on eligible bookings. Coverage is secondary to any other car rental coverage you have.
The American Express Green Card Baggage Insurance Plan is valid for up to $1,250 for carry-on baggage and up to $500 for checked baggage when your baggage is lost, stolen, or damaged while in custody of a common carrier.
Global phone support
Cardholders also have access to Amex’s Global Assist hotline, which can help with medical and legal referrals and other emergencies when traveling more than 100 miles from home.
Security and Protection Benefits
In addition to all the travel benefits cardholders enjoy, there are a few security and protection benefits. These benefits apply when you use your Amex Green Card to make a purchase.
Qualify for up to $1,000 purchase protection per event and up to $50,000 per calendar year. This coverage is valid for damage or theft occurring within 90 days of the date of purchase.
Items purchased with the Amex Green Card are also eligible for an additional year of warranty protection. This additional coverage applies to qualifying purchases with a manufacturer’s warranty of five years or less.
Finally, American Express will help you resolve disputes on your behalf. If there’s a fraudulent or incorrect charge on your credit card statement, the issuer says they’ll “work with you to help resolve the issue.”
How to Maximize Amex Green Card Benefits
To maximize the benefits offered by the Amex Green Card, you should use it to pay for as many purchases as possible. After all, American Express Green Card benefits like travel insurance, purchase protection, and extended warranty only apply when you use your Amex credit card to pay in the first place.
Fortunately, the Amex Green Card can easily be used for all your regular expenses and bills. You’ll earn rewards on everything you buy with your card, and the Amex Green Card doesn’t charge foreign transaction fees when you use it for purchases abroad.
The bottom line
Amex Green Card benefits are quite generous when you consider the card’s rewards rate and annual fee, but be sure to compare other American Express credit cards to see where they stack up. You can pay a higher annual fee if you want more Amex benefits, but you can also earn Membership Rewards points for no annual fee, if you prefer.
Our opinion ? The winning rate and welcome offer of the Amex Green Card are worth pursuing, and the benefits of the American Express Green Card are just the icing on the cake.
All American Express® Green Card information has been independently collected by Bankrate.com and has not been reviewed or endorsed by the issuer.