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Compare the Features and Benefits of American Express® Green Card and
Chase Sapphire Reserve®

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Earns Transferable Points
Airport Lounge Access
Annual Statement Credits
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Travel and Emergency Assistance Services
Secondary Car Rental CDW Waiver
Has No Preset Spending Limit
No Fees for Authorized Users
Amex Offers
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Return Protection
Roadside Assistance
Concierge Services
Free Access to Credit Score
Metal Card
Annual Fee
$150 (Rates and fees)
Avg. Min. Credit Score
*
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
3x Airfare
3x Transit
3x Car Rentals
3x Dining Out / Food Delivery
3x Hotels
1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
Earn 40,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.95) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

American Express seems to have positioned the Green Card to more directly compete with high performing mid-tier cards like the Chase Sapphire Preferred Card and Citi Premier card, offering a few more direct benefits than each of them in exchange for a $150 annual fee (vs. $95 on those other cards). (Rates and Fees)

The American Express Green Card is a Powerhouse for Travel, Transit and Dining

Whereas the The Platinum Card® from American Express is all about the benefits (elite statuses, statement credits galore, etc), the American Express® Green Card is all about the 3X Membership Rewards points on all things travel (including Transit!) plus 3X on dining – all for a relatively low annual fee of just $150 (Rates and Fees). It’s great for frequent travelers, especially if you don’t already have a card that earns at least 3X on travel purchases.

And it does have a couple of benefits that can cover the annual fee. If you don’t have access to CLEAR (which lets you go ahead of most other people at airport security in select airports / terminals), this card will cover $189 in CLEAR fees which is enough for a whole family to have a membership. And you also get up to $100 in credits for airport lounge access with LoungeBuddy.

It’s worth considering this card in combination with other American Express cards. One solid Trifecta that maximizes points would be an Amex Gold Card, an Amex Green Card, and The Blue Business® Plus Credit Card from American Express. You’d use the Gold for Dining and U.S. Supermarkets, the Green for 3X points on travel and transit, and the Blue Business Plus for 2X on other eligible purchases (up to $50,000 a year; 1X Membership Rewards points per dollar thereafter).

In another Trifecta replace the Gold Card with a Platinum Card and enjoy all the perks and benefits of the Platinum card while putting all non-airfare travel and transit charges on the Green Card and the rest on your Blue Business Plus.

In short, I don’t think anyone should have the Green Card as their sole credit card, but I do think it has a nice place among a handful of American Express cards that earn Membership Rewards points.

Keep in mind that American Express Membership Rewards points never expire and combine among all of your Membership Rewards-earning cards. All points earned from various American Express cards have the same transfer partners.

The Amex Green Card Functions as a Credit Card

The Amex Green card is part of the same family of Amex proprietary cards formerly referred to as charge cards. However, the Green Card has a built-in Pay Over Time feature, making it function in many ways as any other standard credit card. Unlike a typical credit card, the Green Card allows you to carry a balance for certain charges, but not all.

What this means: Amex generally limits a cardmember to 5 credit cards (personal and small business combined), while they have a limit of 10 on proprietary Amex cards (formerly known as Charge).  This means that even if you already have 5 Amex credit cards, you would still be eligible for a Green Card.

Bonus Eligibility: They still state that if you had the Green Card before, you are not eligible for a welcome bonus on this card. So you’ll be eligible if you have less than 10 Amex charge cards and have never had the Amex Green card before.

Rates and Fees for the American Express® Green Card

All information about the American Express® Green Card has been collected independently by Your Best Credit Cards. 
Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Airport Lounge Access
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes
Secondary Car Rental CDW Waiver
yes
Has No Preset Spending Limit
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Return Protection
no
Roadside Assistance
no
Concierge Services
no
Free Access to Credit Score
no
Metal Card
no
Annual Fee
$550
Avg. Min. Credit Score
800-850 *
Ongoing APR
22.49%-29.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
10x Car Rentals

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x Hotels

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x Lyft
5x Airfare

Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.

3x Transit
3x Dining Out / Food Delivery
3x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.45) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Chase Sapphire Reserve credit card is the one that, in a sense, started it all. While rewards cards have been around for decades, The Chase Sapphire Reserve quickly became a must-have upon its launch in 2016. With a huge bonus offer, the Priority Pass airport lounge access, the easy to use $300 travel credits, and 3X Chase Ultimate Rewards points per dollar spent on all dining and travel made it an easy sell.

Today, it remains one of the strongest travel credit cards on the market, even if other cards like the newer Capital One Venture X and The Platinum Card® from American Express both get solid market share.

The beauty of the Chase Sapphire Reserve lies in its simplicity.

The $300 annual travel credit works itself off without you even noticing, since travel purchases are automatically applied. With the Venture X, for instance, you also get a $300 annual travel credit but can only use it in the Capital One portal.

Then the Chase Sapphire Reserve is just plain “easy” when it comes to earning, knowing that just about every possible travel or dining purchase (including eligible delivery services) will earn 3X Chase Ultimate Rewards points.

And to that end, with a MilesTalk value of 1.75 cents per point when used via transfer partners like World of Hyatt or for First and Business Class airfare via its many airline partners, you know you’ll get value for those points you earn. In fact, your travel and dining purchases (earning 3X points) have a minimum return on spend value of 4.5% (if you redeem through Chase Travel at 1.5 cents each or an average redemption yield of around 5.25% (3X * 1.75) when you use the Ultimate Rewards airline and hotel partners.

travel-chase-sapphire-reserve

The card is also full of the most important benefits, namely the Priority Pass select membership for airport lounge access for you and 2 guests, including Priority Pass experiences (but not airport restaurants) as well as primary collision/damage coverage on car rentals and trip delay coverage that kicks in after just a 6 hour delay as well as lost luggage insurance. And then there are the somewhat smaller but still valuable perks like your Global Entry fee reimbursement and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards® and Chase dining purchases.

And of course, there’s that huge bonus when you spend $4,000 on purchases in your first 3 months from account opening….

So yes, it does have a high annual fee, but after the $300 travel credit, it’s effectively just $250 which the card gives you back via it’s earn rate, redemption rate (1.5 cents per point at Chase Travel) and rich benefits.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Airport Lounge Access
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes
Secondary Car Rental CDW Waiver
no
Has No Preset Spending Limit
no
No Fees for Authorized Users
no
Amex Offers
no
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Return Protection
yes
Roadside Assistance
yes
Concierge Services
yes
Free Access to Credit Score
yes
Metal Card
yes

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