American Express
Business Green Rewards Card
Key Features
| Annual Fee | $95.00 |
| Regular APR | APR on purchases will be a variable rate, 17.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. |
| Network | American Express |
About this card
The American Express Business Green Rewards Card receives an overall rating of 2.1 out of 5.0, which places it in the 'Fair' category. This assessment reflects a blend of factors, with the card's primary strength being the backing of American Express's strong reputation and Membership Rewards program. However, it is significantly weighed down by its underwhelming rewards structure, particularly the low earning rates of 1x on most purchases and 2x on travel booked through AmexTravel.com. The $95 annual fee further detracts from its value proposition, as many competing cards offer superior rewards or lower fees. The APR range is also relatively high, making it a costly option for those who carry a balance. While it may serve a niche purpose as a simple charge card for managing employee expenses, it lacks the compelling benefits and perks found in other business cards, including those within the American Express portfolio. The target audience of small businesses seeking a basic card within the Amex ecosystem is not well-served by this card's limited value. Overall, the card's cost outweighs its benefits for most users, resulting in a below-average rating.
Pros & Cons
What's great
- Generous sign-up bonus
- Rewards on travel purchases
- Flexible spending limit
Things to consider
- Annual fee
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn, previously 15,000, now 25,000 Membership Rewards® Points
- Earn 25,000 Membership Rewards® Points after you spend $3,000 on eligible purchases on the Business Green Rewards Card within your first 3 months of Card Membership.
Rewards
- 2X POINTS On Flights & Prepaid Hotels Booked on AmexTravel.com.
- 1X POINTS On Other Eligible Purchases made using your Business Green Rewards Card.
Other features
- Pay Over Time feature
- The Pay Over Time feature lets you carry a balance with interest on eligible charges.
- Eligible charges will be automatically added to a Pay Over Time balance, up to the Pay Over Time Limit.
- You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business.
- You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance.
- No Preset Spending Limit
- No Preset Spending Limit means the spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Additional Notes
Know if you're approved with no personal credit score impact. Your personal credit score may be impacted if you submit an application. American Express can be accepted at 99% of places in the US that accept credit cards. 3Based on the Feb 2024 Nilson Report.