American Express Green Card®

The American Express Green Card is a decent travel rewards card, but its value is heavily dependent on how well the cardholder can utilize its benefits and rewards structure. The 3x points on travel, transit, and dining are valuable, and the sign-up bonus provides a nice initial boost. However, the $150 annual fee is a significant consideration, and the high APR makes it unsuitable for those who carry a balance. The card's reputation is generally positive, thanks to American Express's strong brand, but the annual fee and the niche nature of some benefits (like the CLEAR® Plus credit) are points of contention. The card is best suited for individuals who spend heavily on travel and transit and can take full advantage of the rewards and credits, effectively offsetting the annual fee. For those who do not travel frequently or cannot utilize the credits, the card may not provide sufficient value. Considering the rewards, fees, APR, and reputation, a rating of 3.1 reflects a card with notable strengths but also significant drawbacks that need careful consideration.