Amex Business Green Rewards Card review: Limited earning potential

Editor’s note: This is a recurring post, regularly updated with new information and offers. 

Amex Business Green overview

The Business Green Rewards Card from American Express can offer value for some cardholders, but in general, its benefits are lackluster. If you’re looking to rack up travel rewards, you’ll be much better off with one of Amex’s other personal or business card offerings. Card Rating*: ⭐⭐

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The Business Green Rewards Card once came with a potentially lucrative welcome offer. However, now that the offer has passed, the card is mostly an underwhelming product. In my opinion, most business owners will get more from Amex’s other business cards.

It has a $95 annual fee (see rates and fees) and we recommend applicants have a credit score of 670 to increase their chances of being approved.

Here’s what to know about the Business Green and if it might be worth it for you.

Amex Business Green pros and cons

Amex Business Green welcome offer

The Amex Business Green is offering new applicants 15,000 points after spending $3,000 in eligible purchases in the first three months of card membership.

According to TPG’s March 2025 valuations, this bonus is worth $300. Still, it’s lackluster compared to some of the high-value business credit card offers available right now (as well as lots of consumer cards that offer more than triple the points for an extra $1,000 in spending for new cardholders).

Related: This month’s best welcome offers

Amex Business Green benefits

Unfortunately, the Amex Business Green is also lacking when it comes to benefits and perks.

Where other Amex Membership Rewards cards are known for their annual statement credits and other travel benefits, the Business Green doesn’t offer anything along those lines.

The Amex Business Green does offer Amex’s standard portfolio of business tools that can help you manage your business finances. For instance, you can integrate your Amex account with Quickbooks for easy expense tracking and labeling. You can also designate an account manager to access your account and even pay bills through Amex’s Vendor Pay through Bill.com.

The card also provides insurance for car rentals*, baggage insurance**, extended warranty**, and purchase protection**. These benefits are valuable to any business owner but are standard for most Amex business cards.

Related: The best American Express credit cards

*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

***Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Earning points with the Amex Business Green

With the Amex Business Green, you’ll earn 1 Membership Rewards point per dollar spent on eligible purchases, plus 2 points per dollar on flights and prepaid hotel purchases made through amextravel.com.

It’s a disappointing rewards structure, even for a card with a lower annual fee.

The reward structure is similar to most basic airline cobranded cards (though many of those have recently added new bonus categories outside of travel).

Because TPG’s March 2025 valuations peg Amex points at 2 cents apiece, the return is a bit better than your typical airline card. But if you’re spending enough on travel to make this rewards structure worth it, you should probably consider a different Amex offering.

Related reading: The complete guide to American Express Membership Rewards

Redeeming points with the Amex Business Green

The one thing this card has going for it is earning Membership Rewards points. With Amex, you can redeem points for travel, gift cards, statement credits, Amazon purchases and several online retailer purchases. However, you only get the best value when redeeming for award travel.

You can redeem points through the Amex travel portal, but you won’t get the same Pay with Points bonus as you do with The Business Platinum Card® from American Express.

Transferring points with the Amex Business Green

Amex has an extensive list of transfer partners, including top airline and hotel brands. You can transfer your Membership Rewards points instantly at a 1:1 value with any of these partners and Amex frequently runs transfer bonuses where you can transfer to some partners at even more attractive rates.

You can even be like TPG credit card editor Emily Thompson and find sweet spots in the program when redeeming for premium-class cabins.

Related: How to redeem American Express Membership Rewards for maximum value

Which cards compete with the Amex Business Green?

With Amex offering so many great business cards, most people are going to get more value out of Amex’s other business card options.

• If you want premium benefits: The Business Platinum Card from American Express earns 5 points per dollar spent on airfare and prepaid hotel stays through amextravel.com. Better yet, you’ll also get access to multiple luxury travel benefits, including a 35% Pay with Points bonus on qualifying travel purchases booked through amextravel.com (up to 1,000,000 bonus points per calendar year), lounge access, elite status with Hilton and Marriott and much more. Enrollment required for select benefits. Annual fee of $695 (see rates and fees). For more information, read our full review of the Amex Business Platinum.
• If you want to cover everyday expenses: The American Express® Business Gold Card earns 4 points per dollar spent on the two categories you spend most on each month (up to $150,000 in combined purchases each calendar year; then 1 point per dollar). With this card, you’ll earn points on far more than just travel. For more information, read our full review of the Amex Business Gold.
• If you don’t want an annual fee: The Blue Business® Plus Credit Card from American Express has no annual fee (see rates and fees) and earns a flat 2 points per dollar spent on the first $50,000 spent on the card each calendar year (then 1 point per dollar). It’s a simple, no-frills way to earn Membership Rewards points. For more information, read our full review of the Blue Business Plus.

For additional options, check out our full list of the best business credit cards.

Is the Amex Business Green worth it?

Even with some of its benefits, this card still falls short for most businesses. If you spend enough on travel to utilize this card, you’ll likely get even more value from one of Amex’s other business offerings.

Bottom line

The Amex Business Green is caught in no-man’s land between Amex’s more valuable business credit cards and its simple no-annual-fee card offerings. If you’re not spending enough on travel to get your money’s worth with the Business Green, you’ll be better off with one of Amex’s other business card offerings.

Apply here: Amex Business Green

Related: The best business and personal credit card combinations

For rates and fees of the Blue Business Plus card, click here.

For rates and fees of the Business Platinum card, click here.

For rates and fees of the Business Green Rewards card, click here