Maximise your Avios, air miles and hotel points

Review: The American Express Card (Amex Green) charge card

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

This is our review of The American Express Card (Amex Green) charge card issued in the UK.

It is part of our series of articles looking at the major UK loyalty credit and charge cards and discussing whether or not they are worth applying for. These articles are linked to the relevant sections of the ‘Credit Card Offers‘ area in the menu bar. Our other UK airline and hotel credit and charge card reviews can be found here.

This article was updated on 1st October 2021, and all of the information is correct as of that date. Ignore the original publication date shown.

Key information

Key link:  The American Express Card (Amex Green) application page

Key facts:  £60 per year. You can cancel at any point and will receive a pro-rata refund if you cancel during the year.

Interest rate:  None.  Amex Green is a charge card, not a credit card.  You must repay your entire balance in full at the end of each month.

Amex Green review American Express Green card

What is the Amex Green sign-up bonus?

I should say upfront that there are very few reasons to get The American Express Card when you look at the rest of the Amex portfolio.  Other cards offer similar features without a fee, or offer substantially better benefits for a higher fee.

There is no sign-up bonus on Amex Green.

This is not a great start.  It compares very poorly with:

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Amex Reward Credit Card ARCC

American Express Rewards

The only ‘free for life’ Amex card which earns Membership Rewards Read our full review

Any other benefits with Amex Green?

No.  The American Express Card (Amex Green) is a very basic product.

Again, this compares poorly with – say – Preferred Rewards Gold which is FREE for the first year and comes with two airport lounge passes, double points on airline and foreign spend and 10,000 bonus Membership Rewards points if you spend £15,000 per year.

What is the Amex Green annual fee?

£60 per year.

This is not good value compared with Preferred Rewards Gold (no fee for the first year and better benefits) or the American Express Rewards Credit Card which is free for life, has a sign-up bonus and has the same day-to-day earnings rate.

What do I earn per £1 spent on the card?

You receive 1 Membership Rewards point per £1 spent on the card.

This is same rate as you get on The Platinum Card, Preferred Reward Gold and the American Express Rewards Credit Card.

However, Amex Gold has three special bonuses which make it more attractive than Amex Green – foreign currency transactions and airline transactions earn 2 points per £1, and you receive 10,000 bonus Membership Rewards points if you spend £15,000 per year.

What is a Membership Rewards point worth?

Anything from ‘quite a bit’ to ‘a lot’ is the answer.  I wrote this lengthy article on what American Express Membership Rewards points are worth.

Realistically, Membership Rewards points are worth at least 0.8p. This is because you can convert 1 point into 1.6 Nectar points via the new Avios partnership as we explain here. 1.6 Nectar points are worth 0.8p when spent at Sainsbury’s, Argos or eBay.

I tend to value airline miles at 0.75p – 1p each (this is conservative) so that is your valuation if you transfer to an airline programme.

Some of the hotel programmes also offer good value. Radisson Rewards (the Radisson, Park Plaza and Park Inn scheme) transfers at 1:3 from Membership Rewards, for example. Their top five-star hotels generally cost 70,000 points per night which would be just over 23,000 Membership Rewards points. This would usually get you over 1p per point of value.

The other hotel partners are Hilton Honors and Marriott Bonvoy.

You can take a look at the full list of Membership Rewards travel options here.

Is Amex Green a good card to use when travelling?

No, not really.

Because Amex adds a 3% foreign exchange fee, you might want to get a separate free credit card to use abroad. 

Unfortunately there are no credit cards with a 0% foreign exchange fee which earn airline or hotel points.  One option is to get a free card from Currensea. Currensea is a simple but clever idea. You pay abroad with your Currensea Mastercard debit card. Currensea translates the cost to Sterling with just a 0.5% fee (83% less than Amex charges) and withdraws the money from your bank account. You can find out more about Currensea by clicking here. Currensea is free so there is no risk in giving it a try.

Other points to note

American Express no longer has a minimum income requirement for any of its cards.

You benefit from various Amex purchase protection features.  To quote the Amex Green website:

  • When the manufacturer’s warranty expires on your favourite new purchase, we’ll give you a year’s Extended Warranty up to £1,500 per item
  • Enjoy Refund Protection on eligible items.  If the UK retailer won’t refund or replace the eligible item, we will, up to a maximum of £200.
  • You also get Purchase Protection. If you bought it on your Card and it’s stolen or damaged within 90 days, we’ll replace or repair it, or refund you up to £2,500 per eligible item.

Conclusion

It is difficult to work out why anyone would want to apply for The American Express Card (Amex Green).

If you are looking for a low cost American Express card which earns Membership Rewards points, you should get the American Express Rewards Credit Card instead (free for life) or Preferred Rewards Gold (free for Year 1, with free airport lounge passes).

If you want a sign-up bonus (and who wouldn’t?) you should look at Preferred Rewards Gold (30,000 points – a special offer to 9th November 2021), The Platinum Card (60,000 points – a special offer to 2nd November 2021) or the American Express Rewards Credit Card (5,000 points).

The only reason to get Amex Green is if you specifically want a charge card – perhaps you don’t want the temptation of a credit card and being able to roll-over your balance at the month end – and would prefer one which has a permanently low fee.

The application form for Amex Green can be found here.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Card Offers’ link in the menu bar at the top of the page.)

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Comments (21)

  • Fred UK says:

    When I moved to the IDC Plat from the UK Plat, I got Green to keep points. As someone says Extended Warranty is only available with this card, which gives you extra peace of mind.

  • Chris Hurd says:

    My main reason for taking the green card was because an option denominated in euros was possible and I was fed up with using GBP based cards when travelling in the euro zone and getting ripped off for FX transaction costs every time. Yes, I need to do a single FX deal to settle the monthly bill, but this is at a much more favourable exchange rate. There was also an additional sweetener in the form of no fee for the first year. So, whilst niche, it does have its uses. Sadly not right now though for obvious reasons ….

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.