Best for: People who want to start earning Amex points with no annual fee
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Ranked #60 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $170
- The full offer. Up to 10,000 Membership Rewards points.
- Annual fee
- None
Have this card?
Details from American Express’ site. Banks can update terms at any time, so give them a quick look before you apply. Source
The good and the bad
Stands out
- Good: 2 points per $1 on hotels At our value for these points, that’s about 3.4% back.
- Good: No annual fee It costs nothing to keep.
- Good: Welcome offer up to 10,000 Membership Rewards points About $170 at our value for these points.
Watch for
- Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
Membership Rewards points valued at 1.7¢ each.
Rows are rounded to the dollar.
What counts in each category
- Hotels
- 2 points per $1 Hotels and car rentals booked through Amex Travel Online
- Everything else (base rate)
- 1 point per $1
Earn 2 points per $1 spent on car rental bookings
How Membership Rewards points work, and why 1.7¢
We count Membership Rewards points at 1.7¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.7¢ to 2¢.
We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Checked on Nov 8, 2026. Source
Can your spending get the offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
10,000 Membership Rewards points · about $170
Spend $1,000 in your first 3 months.
You’d reach it in month 1.
- On purchases within the first 3 months
Offer end date not published.
Offer checked on Nov 8, 2026. Source
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
-
NerdWallet (opens in a new tab) Oct 20258.8
“An uncomplicated, no-fee entry point into Amex Membership Rewards. You earn a flat 1x on every dollar spent, and get baseline insurance — extended warranty and purchase protection — is included. That’s it, though. No travel insurance or bonus goodies, like car rental and fuel discounts, that are sometimes offered by no-fee competitors. Best for: People who want a simple, no-fee starter card.”
-
Money.ca (opens in a new tab) May 20256
“Given its high-value rewards, lack of annual fee and still a decent welcome bonus, the American Express® Green Card is definitely worth considering. However, potential cardholders should be aware of its limited insurance coverage and the acceptance issues associated with American Express® cards.”
-
PointsWise (opens in a new tab) Nov 2024
“The Amex Green Card is a standout option for Canadian travellers and everyday spenders, offering flexibility, rewards, and a host of benefits—all without an annual fee. Whether you’re just starting your travel rewards journey or seeking a reliable card for everyday purchases, the Green Card delivers exceptional value. With $0 in annual fees, generous earning rates, and access to exclusive Amex Experiences, this card is an easy choice for those looking to maximize rewards without breaking the bank.”
-
Yore Oyster (opens in a new tab) Jan 2024
“In conclusion, the Green Card is a no-fee product that offers enough to make it worth your consideration if you're in the market for one of American Express' credit cards. Especially if you're looking to transfer your Membership Rewards points to another account or store them temporarily, the Green Card can be a great solution.”
-
Forbes (opens in a new tab) Sep 2023
“The American Express® Green Card is a jack-of-all-trades card capable of earning points on pretty much any purchase, but it lacks lucrative rewards options, robust consumer protections or insurance. Still, it’s a card that boasts no annual fee, a low minimum credit score and a decent annual percentage rate for comparable credit cards. Think of the Amex Green Card as a cheap and cheerful card that’ll scoop up rewards points, but lacks the bells and whistles of the top-tier (and more expensive) options.”
-
Money We Have (opens in a new tab) Jul 2023
“Overall, the American Express Green Card is a no fee, entry level card that gives you flexibility with its points. It’s a great card to have if you want to provide yourself with options while having access to American Express Experiences.”
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What comes with it
- Extended warranty Included
- Purchase protection Included
- American Express Experiences
- Emergency Card Replacement
- Mobile wallets Apple Pay
Coverage limits
We haven’t recorded the coverage limits for this card yet. Read American Express’ insurance certificate before you count on any coverage.
Not included
Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage and mobile device.
What it costs
- Annual fee
- None
- Purchase interest
- 21.99%
- Cash advance interest
- 21.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- None
- Cash advance fee
- $2.75
- Over-limit fee
- $29
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Source
- Issuer page
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
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With typical spending. This card: $635 year one, $465 every year after.
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Questions people ask
What is the annual fee on the American Express® Green card?
There is no annual fee.
How much is the American Express® Green card welcome offer worth?
10,000 Membership Rewards points after you spend $1,000 in the first 3 months, worth about $170.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
21.99% on purchases. Cash advances are 21.99%.
Does it include insurance?
It lists extended warranty and purchase protection. Read the insurance certificate for the limits.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
Spot something wrong? We’ll check it with the bank. Suggest a correction
Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
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