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The American Express Business Green Rewards Card is ideal for businesses seeking effective solutions for employee expense management. The card rewards spending on travel, particularly flights and hotel stays, making it a great fit for companies with frequent travel needs. Although it requires monthly balance payments, it offers a Pay Over Time feature on eligible purchases. With no preset spending limit and a low annual fee, the card provides adaptable spending power. However, it lacks cash advance and balance transfer options and includes foreign transaction fees, which could impact international use.
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| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $95 |
| Credit Needed | Excellent, Good |
When grading travel rewards business cards like the American Express Business Green Rewards Card, we consider ongoing rewards, introductory rewards, and additional features, like travel perks offered. We also evaluate the card’s annual fee, introductory 0% APR period, and ongoing APRs.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 15 | 20 |
| Introductory Rewards | 15 | 20 |
| Additional Features | 15 | 20 |
| Annual Fee | 12 | 15 |
| Ongoing APR | 12 | 15 |
| Introductory APR | 0 | 10 |
| Total Score | 69 | 100 |
- Who the American Express Business Green Rewards Card Is Best For
- American Express Business Green Rewards Card Rewards
- American Express Business Green Rewards Card Features
- American Express Business Green Rewards Card Fees
- American Express Business Green Rewards Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Who the American Express Business Green Rewards Card Is Best For
- Frequent travelers: Ideal for business owners who travel often, this card rewards flights and hotel stays, helping to offset travel costs with Membership Rewards points. Additional travel perks, like baggage insurance and rental car protection, make it a solid choice for those constantly on the go.
- Businesses needing flexible credit limits: With no preset spending limit, the card offers adaptable spending power that adjusts based on purchase patterns and payment history, making it suitable for companies with fluctuating expenses.
- Businesses that can pay in full monthly: This card requires the balance to be paid in full each month (unless using the Pay Over Time feature on eligible purchases), making it best for businesses with stable cash flow. Otherwise, late payments will incur high penalty APRs and fees.
- Expense-conscious companies: With expense management features, such as QuickBooks integration, Vendor Pay by Bill.com for bills payment, and the option to add Employee Cards for free, this card can help streamline and control spending, especially for companies managing multiple employees’ expenses.
If this card is not what you’re looking for, consider one of
below. You may also want to see our guide to the
best American Express business credit cards
for more options from the issuing bank.
American Express Business Green Rewards Card Rewards
- Welcome offer: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Business Green Rewards Card within the first 3 months of Card Membership.
- Everyday purchases: Earn 1x Membership Rewards® points on all other eligible purchases, providing consistent rewards on day-to-day business expenses.
American Express Business Green Rewards Card Calculator
Find out the value of your earned rewards by using our American Express Business Green Rewards Card calculator. Just input your projected monthly spending per category and let our calculator do the rest. Note that each point is valued at 0.6 of a cent.
American Express Business Green Rewards Card Calculator
Your potential annual reward earnings are:
How to Redeem American Express Business Green Rewards Card Rewards
- Pay with points at checkout: Redeem points directly at checkout with select merchants, including Amazon and Best Buy. Points typically have a value of 0.7 cents per point.
- Gift cards: Exchange points for gift cards, with most gift cards valued at .01 cent per point—a flexible option for purchases at various retailers.
- Statement credit: Use points to offset card purchases. Note that this option generally provides a lower value, around 0.6 cents per point.
- Travel bookings and upgrades: Redeem points to book flights, hotels, car rentals, cruises, and more through AmexTravel.com. Point values vary but are generally 0.1 cent per point, offering excellent value for travel enthusiasts.
- Transfer to frequent traveler programs: Transfer points to loyalty programs with select airline and hotel partners for even more redemption options. Each program has unique terms, so check transfer ratios and values before converting points.
For more information on how to redeem your Membership Rewards points and their corresponding value, visit American Express’s rewards calculator page.
American Express Business Green Rewards Card Features
Cash Flow Flexibility
- Pay over time option: Allows eligible purchases to be paid over time with interest, up to the Pay Over Time limit. You can also choose to pay the balance in full each month.
- No preset spending limit: Offers flexible spending power that adapts to your business needs based on your account history, allowing for larger purchases when needed.
Expense Management
- Employee Business Expense Card: Add Employee Cards at no extra annual fee, and all Membership Rewards points earned are credited to the main account.
- QuickBooks® integration: Automatic expense categorization within QuickBooks helps save time on accounting and tracking.
- Vendor Pay by Bill.com: Manage business bill payments with enhanced cash flow options; the basic plan is free for up to two users for the first six months.
- Account manager: Delegate account access to trusted individuals, allowing assistants or partners to manage expenses and monitor spending.
- Account alerts: Set alerts for late payments, irregular transactions, and employee spending to help you stay on top of finances.
- Year-end summary: Access a categorized summary of annual expenses to assist with tax preparation and financial management.
- Online statements & Amex app: Review spending history, manage expenses, track rewards, and get alerts with ease through the Amex app and online portal.
Travel BenefitsEligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
- Membership Rewards® Pay With Points: Use points to cover flights, hotels, and more booked through AmexTravel.com.
- Car rental loss and damage insurance: Secondary coverage for rental car damage or theft, excluding rentals in certain countries. Restrictions apply.
- Baggage insurance plan: Coverage for lost or stolen baggage when travel is booked on the card, offering up to $1,250 for carry-ons and $500 for checked bags.
- Global Assist® Hotline: Offers assistance for unexpected travel issues, such as lost passports or medical emergencies, available when traveling over 100 miles from home.
AMEX Benefits
- Amex Offers: Earn statement credits and rewards on eligible business purchases by enrolling in Amex Offers.
- Dispute Resolution: Provides support in resolving fraudulent or incorrect charges on your account.
- Extended Warranty: Extends the original manufacturer’s warranty on eligible purchases up to one additional year.
- Purchase Protection: Covers eligible items against theft or damage for up to 90 days, with a limit of $1,000 per claim and $50,000 per year.
American Express Business Green Rewards Card Fees
APR
- Introductory: N/A
- Purchase: 17.74% to 28.49% variable—adjusts with the prime rate
- Balance transfer: N/A
- Cash advance: N/A
- Penalty: 29.99% (Prime Rate + 25.99%) variable—adjusts with the prime rate.
Fees
- Annual: $95
- Balance transfer: N/A
- Foreign transaction: 2.7% of each transaction after conversion to US dollars
- Cash advance: N/A
- Late payment: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Overlimit: N/A
- Returned payment: $39
- Returned convenience check: N/A
Your due date is at least 25 days after the close of each billing period, with no interest on purchases if paid in full.
- Online or mobile banking: You can pay via the Amex website or mobile app.
- Phone: Call 800-472-9297, state your card information when prompted, and then follow the prompts.
- AutoPay: Log in to your online account and click “Payments” in the blue navigation bar, then choose “Manage AutoPay.”
- Wire transfer: Include your card member name, your American Express account number, and the following information when paying via this option:
- Bank name: Chase Manhattan Bank
- Account name: American Express Card Member Wire Depository
- Address: 1 Chase Plaza, New York, NY 10081
- ABA number (routing number): 0210-0002-1
- Account number: 910-2-753036
- Mail: You can send your payments via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference.
First Class Mail
American Express
PO Box 650448
Dallas, TX 75265-0448
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
American Express Business Green Rewards Card Alternatives
American Express Business Platinum Card®
Known for premium travel benefits, this card is ideal for business owners who travel frequently and desire luxury perks. Though it has a high annual fee of $895, the card’s exclusive rewards and travel conveniences can justify the cost for frequent travelers. Note, however, that it does not allow balance transfers or cash advances.
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
Capital One Spark Miles for Business
This card is a strong option for businesses wanting straightforward travel rewards. With a $0 annual fee for the first year ($95 per year thereafter), it offers unlimited 2x miles on every purchase, making it ideal for businesses with varied expenses. Miles can be redeemed for flights, hotels, and more, and the card charges $0 for foreign transactions or balance transfer fees. However, it lacks an introductory 0% APR period.
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
U.S. Bank Business Altitude® Connect Visa Signature®Card
If international travel savings are a priority, this card offers standout value. It has $0 foreign transaction fees, includes complimentary Priority Pass™ lounge visits, and provides travel rewards without the high annual fees seen with other premium cards. The card’s travel-focused features make it an appealing alternative for businesses seeking cost-effective travel benefits.
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
Frequently Asked Questions (FAQs)
You can apply online or call American Express at 877-671-6758. You’ll need to provide the following information:
- Company’s legal name, structure, such as limited liability company (LLC), corporation, or partnership, address, phone number, and email address
- Federal tax ID number (TIN) or Social Security number (if you’re a sole proprietor)
- Type of industry your business is engaged in
- Number of years your company has been in the business
- Number of employees
- Annual business revenue
- Name you’d like to appear on the card
If you’re a U.S. Card Member traveling abroad, you can contact American Express 24/7 via the chat feature in your online account or by visiting the Travel Support Center. To call collect, ask the operator to dial the access code for your country, followed by 1-336-393-1111. Keep in mind that roaming or minute charges may apply if you’re calling from a mobile phone.
Yes, you can request a change to your Payment Due Date or Statement Closing Date. To do this, simply chat with an American Express Customer Care Professional through your online account. This option is also available for other Amex cards, including the Gold and Platinum Cards.
Membership Rewards® points don’t have an expiration date. However, certain conditions may result in point forfeiture, as detailed in the “Lose Points” section of the Membership Rewards® program Terms and Conditions.
Bottom Line
The American Express Business Green Rewards Card is best for frequent-traveling business owners needing flexible spending and who can pay their balance in full each month. While it includes an invite-only Pay Over Time option for select purchases, limits apply, so any expenses above this must still be paid in full monthly. This feature provides some flexibility for unexpected costs but requires careful cash flow planning.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Business Green Rewards Card
American Express The Business Platinum Card®
