Compare points and miles cards

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Only differences

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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

American Express Business Green Card card art

Amex Business Green 1 of 1

Comparing 1 card

American Express

Amex Business Green

Apply Details

Cost and value $95 fee

Annual fee

$95

Credits you can use a year, if you use every one

None

Fee after credits

$95 a year net cost

Point value per point or mile

2.00¢ Estimate

Rewards currency

Membership Rewards points

Foreign transaction fee

2.7%

Rates and fees

On the issuer's site APR, balance transfer and cash advance vary by applicant

Sign-up bonus 15,000 points, about $300

Bonus

15,000 points

Estimated value

$300

Spend to earn it less a month is easier

$3,000 in 90 days about $1,000 a month

Earning rates Top rate 2x

Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.

Flights

1x about 2.0% back, the everything-else rate

2x via the issuer portal, about 4.0%

Hotels

1x about 2.0% back, the everything-else rate

2x via the issuer portal, about 4.0%

Everything else

1x about 2.0% back

Statement credits No credits

Monthly credits to track fewer is less work

Transfer partners 20 partners

Partners

Alliance reach

Oneworld, SkyTeam, and Star Alliance

ANA Mileage Club

1:1

Aer Lingus AerClub

1:1

Aeromexico Rewards

5:8

Air Canada Aeroplan

1:1

Air France-KLM Flying Blue

1:1

Avianca LifeMiles

1:1

British Airways Club

1:1

Cathay Pacific Asia Miles

1:1

Choice Privileges

1:1

Delta SkyMiles

1:1

Emirates Skywards

5:4

Hilton Honors

1:2

Iberia Club

1:1

JetBlue TrueBlue

5:4

Leaders Club

4:1

Marriott Bonvoy

1:1

Qantas Frequent Flyer

1:1

Qatar Airways Privilege Club

1:1

Singapore Airlines KrisFlyer

1:1

Virgin Atlantic Flying Club

1:1

Status, lounges and travel No status or lounges

Travel benefits

When traveling more than 100 miles from home, Global Assist Hotline provides 24/7 emergency assistance including medical and legal referrals, emergency cash wires, and missing luggage assistance (third-party costs are the Card Member's responsibility).

Protection and insurance 5 coverages

Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.

Baggage

Covers lost, damaged, or stolen baggage when the entire fare is charged to the Card, providing up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage from the common carrier (NY residents have a $10,000 aggregate limit per trip).

Rental car

Covers damage to or theft of a rental vehicle in a covered territory when the entire rental is reserved and paid for with the Card and the collision damage waiver is declined; secondary coverage, no liability coverage, and not available in Australia, Italy, or New Zealand.

Extended warranty

Extends the terms of the original manufacturer's warranty by up to one additional year on warranties of 5 years or less for covered purchases in the U.S. or its territories.

Purchase protection

Covers eligible purchases for up to 90 days from purchase date against theft or accidental damage, up to $1,000 per covered purchase and $50,000 per Card Member account per calendar year.

Other coverage

Spending limit is flexible and adapts based on purchase, payment, and credit history rather than a fixed preset limit.
No Annual Fee for each additional Employee Business Expense Card added to the account; Membership Rewards points earned on employee purchases are credited to the Basic Card Member's account.

Lifestyle and other perks 1 perk

Other perks

Lets you carry a balance with interest on eligible charges, up to your Pay Over Time Limit. Eligible charges are automatically added to the balance; you may pay over time with interest or pay in full each month.

Employee cards Paid

Cost

Up to 99 employee cards at no cost.

Each one gets

Baggage insurance plan
Car rental loss and damage insurance
Extended warranty
Purchase protection

Application rules 2/90

Issuer approval rules

2/90 Community-reported
What counts
American Express generally approves at most 2 of its credit cards per 90 days.
5 credit card limit Community-reported
What counts
American Express generally limits you to 5 of its credit cards at once.
10 charge card limit Community-reported
What counts
American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility

Once per lifetime Issuer-stated
What counts
American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Card type

Business

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