Key facts
Min. Credit Score for Approval:
Good *Ongoing APR:
18.49%-27.49% VariableForeign Transaction Fee:
2.7% of each transaction after conversion to US dollars.This matches an existing 20% transfer bonus from Citi ThankYou to Qatar Avios.
Remember that Qatar Avios has become competitive and inline with other Avois partners. It’s always worth checking whether one or another Avois partner (i.e. British Airways, Iberia, Finnair, or Aer Lingus) has a better redemption price since you can freely move between them. You can even connect your British Airways account directly inside Qatar’s website for easy and instant transfer.
IMPORTANT NOTE: Qatar has devalued their own program twice in recent months, first significantly raising the pricing for AA and Alaska awards, then by adding significant new surcharges on long haul premium awards by almost 200%. I wouldn’t transfer speculatively for just 20% myself, but an Avios pro user with lots of Amex points might.
Amex states the transfer can take up to 48 hours.
Reward multipliers
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Earn 2X points for each dollar you spend on eligible purchases at AmexTravel.com
Earns bonus points for spend in the following bonus categories:
Estimated Rewards Value: 1.7%
Key features
Unique Card Benefits
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest, up to the Pay Over Time Limit on your account
Has No Preset Spending Limit
No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Secondary Car Rental CDW Waiver
Car Rental Loss and Damage
Insurance can provide coverage up
to $50,000 for theft of or damage to
most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision
damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage.
Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company,
Inc.
Travel and Emergency Assistance Services
You can rely on Global Assist
Hotline 24 hours a day / 7 days a
week for medical, legal, financial, or
other select emergency
coordination and assistance services
while traveling more than 100 miles
away from your home. Third-party
service costs may be your
responsibility. Eligibility and
Benefit level varies by Card. Terms,
Conditions, and Limitations Apply.
Please visit
americanexpress.com/benefitsguide
for more details. Card Members are
responsible for the costs charged by
third-party service providers.
Trip Protections
Baggage Insurance Plan
Baggage Insurance Plan coverage
can be in effect for Eligible Persons
for eligible lost, damaged, or stolen
Baggage during their travel on a
Common Carrier (e.g. plane, train,
ship, or bus) when the entire fare
for a Common Carrier Vehicle ticket
for the trip (one-way or round-trip)
is charged to an eligible Account.
Coverage can be provided for up to
$1,250 for carry-on Baggage and up
to $500 for checked Baggage, in
excess of coverage provided by the
Common Carrier (e.g. plane, train,
ship, or bus). For New York State
residents, there is a $10,000
aggregate maximum limit for all
Covered Persons per Covered
Trip. Eligibility and Benefit level
varies by Card.
Terms, Conditions,
and Limitations Apply. Please visit americanexpress.com/benefitsguide
for more details. Underwritten by
AMEX Assurance Company.
Earn more rewards by combining credit cards
Our review
The Business Green Rewards Card from American Express is clearly the “starter” card in the Amex ecosystem for small businesses looking for No Preset Spending Limit (which means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history) without the heftier annual fees of the American Express® Business Gold Card or The Business Platinum Card® from American Express.
However, with this card earning just 1 point per eligible dollar spent (2 points per dollar only for Flights & Prepaid Hotels booked on AmexTravel.com) and lacking any annual statement credits or rich benefits, we struggle to see the value in paying a $95 annual fee.
Although it doesn’t have No Preset Spending Limit, if you truly can’t make the annual fee work on the American Express® Business Gold Card or The Business Platinum Card® from American Express cards, then we would recommend The Blue Business® Plus Credit Card from American Express which earns 2x bonus points on all eligible purchases up to a $50,000 annual limit (1x on all eligible purchases thereafter) and has no annual fee.
If you need a much higher credit limit, then we’d advise considering the American Express® Business Gold Card or The Business Platinum Card® from American Express.
Rates and Fees for the Business Green Rewards Card from American Express
