Amex Business Green Rewards Card Review: Limited Earning Potential

Overview of the Amex Business Green

While the Business Green Rewards Card from American Express may provide some value, its overall benefits are quite disappointing. If your goal is to accumulate travel rewards, you're better off exploring other Amex personal or business card options. Card Rating*: ⭐⭐

*Card rating reflects the views of TPG's editors and is not swayed by the card issuer.

The Business Green Rewards Card previously featured an enticing welcome offer. However, with that offer now expired, the card falls short overall. In my view, most business owners would benefit more from Amex's other business card selections.

It carries an annual fee of $95 and is recommended for those with a credit score of 670 or higher.

Here’s what you need to know about the Business Green and whether it could be beneficial for you.

The details for the Business Green Rewards Card from American Express have been independently gathered by Dinogo. The information presented on this page has not been reviewed or supplied by the card issuer.

Advantages and disadvantages of the Amex Business Green

Amex Business Green Welcome Bonus

New applicants for the Amex Business Green can earn 15,000 points by spending $3,000 within the first three months of membership.

This bonus is considered decent, valued at $300 based on TPG's September 2024 valuations. However, it pales in comparison to some of the more lucrative business credit card offers currently available.

Amex Business Green Advantages

Regrettably, the Amex Business Green falls short in terms of benefits and perks.

While other Amex Membership Rewards cards are recognized for their annual statement credits and travel advantages, the Business Green lacks such offerings.

The Amex Business Green does provide access to Amex's standard suite of business tools, which can assist in managing your finances. For example, you can sync your Amex account with QuickBooks for seamless expense tracking and categorization. Additionally, you can assign an account manager to oversee your account and utilize Amex's Vendor Pay via Bill.com for bill payments.

These features are beneficial for any business owner, but they are typical of most Amex business cards.

Earning Points with the Amex Business Green

With the Amex Business Green, you earn 2 Membership Rewards points per dollar on eligible purchases made through amextravel.com, and one point per dollar on all other transactions.

This rewards structure is underwhelming, even for a card with a modest annual fee.

The rewards setup resembles that of most basic airline cobranded cards (although many of those have recently introduced new bonus categories beyond travel).

Given that TPG's September 2024 valuations estimate Amex points at 2 cents each, the overall return is slightly better than a standard airline card. However, if you're spending significantly on travel to make this rewards structure worthwhile, you might want to look into a different Amex option.

Redeeming Points with the Amex Business Green

The primary advantage of this card is the ability to earn Membership Rewards points. With Amex, you can redeem these points for travel, gift cards, statement credits, Amazon purchases, and various online retailers. However, the best value is achieved when redeeming for award travel.

You can redeem points via the Amex travel portal, but you won’t receive the same Pay with Points rebate as offered by the Business Platinum card.

Transferring Points with the Amex Business Green

Amex boasts a wide array of transfer partners, featuring leading airline and hotel brands. You can transfer your Membership Rewards points instantly at a 1:1 ratio with any of these partners, and Amex often offers transfer bonuses that allow you to transfer to select partners at even more favorable rates.

When redeeming for premium-class seats, you can emulate TPG editor Emily Thompson and uncover sweet spots within the program.

What cards rival the Amex Business Green?

With so many excellent business card options from Amex, most individuals will find greater value in Amex's other business card offerings.

• If you seek premium benefits: The Business Platinum Card® from American Express earns 5 points per dollar on airfare and prepaid hotel bookings made through amextravel.com. Additionally, you gain access to various luxury travel perks, such as a 35% Pay with Points bonus on qualifying travel purchases booked through amextravel.com (up to 1,000,000 bonus points annually), lounge access, elite status with Hilton and Marriott, and much more. Enrollment is required for certain benefits. Annual fee of $695 (see rates and fees). For further details, check our full review of the Amex Business Platinum.
• If you want to cover everyday costs: The American Express® Business Gold Card earns 4 points per dollar in your two highest spending categories each month (up to $150,000 in purchases annually; then 1 point per dollar). This card allows you to earn points beyond just travel expenses. For more information, refer to our full review of the Amex Business Gold.
• If you prefer no annual fee: The Blue Business® Plus Credit Card from American Express has no annual fee (see rates and fees) and earns a straightforward 2 points per dollar on the first $50,000 spent each year (then 1 point per dollar). It’s an uncomplicated way to accumulate Membership Rewards points. For more information, read our full review of the Blue Business Plus.

For more choices, explore our complete list of the best business credit cards.

Is the Amex Business Green worth it?

Despite some benefits, this card generally falls short for most businesses. If you travel frequently enough to make use of this card, you’ll likely find greater value in one of Amex’s other business products.

Conclusion

The Business Green finds itself in a challenging position between Amex's more rewarding business credit cards and its straightforward no-annual-fee options. If your travel spending isn’t high enough to justify the Business Green, you’d be better served by choosing one of Amex's other business card options.