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Updated March 7, 2014

American Express Business Green Card Review

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The American Express Business Green Card gives you a way to flexibly manage your business expenses while earning reward points. This card does charges a $95 annual fee so in our opinion, it's more suited for those who plan to use the card frequently.

4/9/2014 Update: We're sorry, Business Green Rewards Card from American Express OPEN is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

Overall Score

3.8

Rewards

4.0

Fees

3.5

Benefits

4.0
5-point scale (the higher, the better)

Pros and Cons

  • 5000 bonus point offer
  • No pre-set spending limit
  • No annual fee for first year
  • $95 annual fee
  • Cannot carry a balance

Bottom Line

Good charge card for small business owners with reliable cash flow

Rewards Program

When you make a purchase with the American Express Business Green Card, you earn reward points. You earn 1 point for every dollar you spend on the card.

You get 2 points for every dollar spent with American Express Travel. You can also earn up to 10 points per dollar by shopping through the many retailers on the American Express reward shopping website. There is no limit to the number of points you can earn per year and the points never expire. This rewards program applies both to your card and any cards you give to your employees. There is no fee to add employee cards to your account.

Once you’ve collected points, they can be redeemed for a variety of rewards. American Express offers a flexible rewards program for travel. You can convert your points into flights with any airline without worrying about blackout dates. You can also roll over your points into over 20 frequent flyer programs. If you aren't interested in flights, you can use your points for hotel stays, merchandise, or as a credit to pay down your card balance.

Sign-up Bonus

After your first purchase, you receive an extra 5,000 bonus points to welcome you to American Express. In addition to the extra points, American Express also waives the card’s annual fee for the first year. After the first year, you’ll need to pay the $95 to keep your card active.

Flexible Spending

Running a business is not always predictable. Some months will have more expenses than others. With the American Express Business Green Card, there is no preset spending limit.

Keep in mind, you need to pay off your balance in full each month as the Green Card is a charge card, not a credit card.

Pros

  • Offers a 5,000 point bonus after your first purchase
  • Waives the annual fee for the first year
  • No pre-set spending limit
  • Earns reward points on purchases.
  • Redeem reward points for flights, merchandise, and cash back

Cons

  • $95 annual fee
  • Does not let you carry a card balance

Bottom Line

In our opinion, this is a good choice for a business owner that has steady cash flow and wants to get a high level of rewards for his business. To use this card, you must be able to pay off your balance each month.

4/9/2014 Update: We're sorry, Business Green Rewards Card from American Express OPEN is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

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Disclaimer: This content was first published on August 10, 2012. This content may have been updated on March 7, 2014. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check the issuer's website for updated information.

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