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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Amex Business Green Rewards Card review: Limited earning potential
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
also contributed to this story
March 17, 2025 • 8 min read
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Quick summary
A business rewards card offers basic travel points and access to transfer partners but lacks standout benefits compared to other options.
The welcome offer is modest and less competitive than those from other business and consumer cards.
Benefits include standard business tools, integration with accounting software, and typical travel protections.
Most business owners will find greater value and more robust rewards with alternative business cards.
What to consider
The card's rewards structure is limited, with higher earning rates only for flights and prepaid hotels booked through the issuer's travel portal.
Redemption value is best achieved through award travel, especially when transferring points to airline and hotel partners; TPG's March 2025 valuations peg these points at 2 cents each.
Other business cards offer more compelling perks, higher earning potential, or simpler structures for everyday expenses.
What you'll miss from the article
A detailed comparison of alternative business cards and specific scenarios where each may outperform this product.
Generated by AI with support from our editorial team.
The 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 once came with a potentially lucrative welcome offer. However, now that the offer has passed, the card is mostly an underwhelming product. Most business owners will get more value from Amex’s other business cards.
The Amex Business Green has a $95 annual fee (see rates and fees) and we recommend applicants have a good to excellent credit score 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
Pros
Cons
Low annual fee
Access to Amex's transfer partners
Unimpressive welcome offer
Limited earning options
Outclassed by other business cards and Amex offerings
Amex Business Green welcome offer
The is offering new applicants the ability to earn 15,000 points after spending $3,000 on eligible purchases in the first three months of card membership.
THE POINTS GUY
According to TPG's March 2025 valuations, this bonus is worth $300. Still, it’s lackluster compared to some of the high-value business 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).
Unfortunately, the 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.
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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.
*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 , you’ll earn 1 Membership Rewards point per dollar spent on eligible purchases, plus 2 points per dollar spent 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.
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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.
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.
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You can redeem points through the Amex travel portal, but you won’t get the same Pay with Points bonus as you do with .
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.
NICKY KELVIN/THE POINTS GUY
You can even be like TPG credit card editor Emily Thompson and find sweet spots in the program when redeeming for premium-class cabins.
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: 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; will only apply to the airline that a cardmember selects for their annual up to $200 airline fee statement credit, regardless of fare class), lounge access, elite status with Hilton and Marriott and much more. Enrollment required for select benefits. Annual fee of $895 (see rates and fees). For more information, read our full review of the Amex Business Platinum.
If you want to cover everyday expenses: The 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 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.
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 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.
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
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
