Business Green Rewards Card from American Express review
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Business Green Rewards Card from American Express review

If you own a small business, this card can help you control and track spending. You can also earn travel rewards and save money over the long haul, making it quite the lucrative choice while you satisfy your business travel needs.

Written by
Brooklyn Lowery
Edited by
Jennifer Doss
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Key Features

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Editor Analysis:

Pros
  • Earn points with everyday purchases and redeem your rewards for travel, gift cards or even to pay for business expenses.
  • No pre-set credit limit means you have the flexibility to make the purchases you need to make. The limit adjusts based on how you use the card and other factors.
Cons
  • With a annual_fees annual fee, you should be certain you'll use the perks and features of this card. Otherwise, you may want to look for a business card with a lower or even no annual fee.

If you’re looking to control and track spending for your small business, while earning travel rewards and saving money over the long haul, the Business Green Rewards Card from American Express may be the right card for you. American Express is a CardRatings advertiser.

With the Business Green Rewards Card from American Express, you earn Membership Rewards® points that can be used toward business expenses whether it’s for travel, purchasing gift cards for clients, dining out or simply shopping for office supplies and more at various retailers. You can also get cards for your employees, making it easier to stay on top of how much your employees are spending while also earning more rewards for your business.

New card members can earn signup_reward Membership Rewards® points after spending signup_bonus_spend_amount within the first three months of card membership.

Here are the some of the perks that come with card ownership:

  • AnnualFees annual fee
  • No fee for employee cards
  • Purchases can be protected from accidental damage or theft for up to 90 days from the time you purchase
  • Car rental loss and damage insurance is included if you use your card to reserve and pay for a car rental and decline the collision damage waiver at the rental car counter
  • With the card’s baggage insurance plan, eligible lost, damaged or stolen baggage is covered when your plane, train, ship or bus ticket is purchased on your card
  • Card ownership also offers travel accident insurance, roadside assistance and extended warranties

American Express Business Green Card benefits

Besides the welcome offer, the Business Green Rewards Card from American Express has a few things our editors really like.

The Business Green Rewards Card from American Express isn’t a typical credit card in that you can carry a balance for some purchases, but not for all, which could help the card owner who doesn’t quite trust themselves or their employees to spend responsibly, or simply wants to keep their costs down. The CardName allows eligible cardholders to enroll in a Pay Over Time program to allow certain purchases to be paid over a certain length of time. With this option, you can pay for certain purchases over a specified period, choosing to carry a balance. You will accrue interest on these purchases, but it’s certainly helpful if you are making a big-ticket purchase for your business with this card and just can’t quite pay it off in the same month as the purchase.

The card also offers a Pay with Points option when making purchases through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. While purchases like car reservations, non-prepaid hotels and fine hotel and resorts bookings are excluded, the rest is fair game. Those accrued points you have will just be debited from your Membership Rewards® account and credited for the corresponding dollar amount which will be issued to your card.

If you travel often for business, the Business Green Rewards Card from American Express provides a lot of extra assistance when traveling, which we like, from protection on lost and stolen baggage, to rental car insurance and its Global Assist hotline when traveling more than 100 miles from home giving you 24/7 access to medical, legal and financial assistance, as well as assistance wiring cash, replacing a lost or stolen passport and more. Plus, you won’t pay any foreign transaction fees when traveling abroad.

Potential downsides of the Business Green Rewards Card from American Express

Spending those Membership Rewards® points isn’t particularly straightforward. According to American Express, the value of your Membership Rewards® points varies based on how you use them. Meaning, the number of points required for an item may vary depending on the merchant offering the item and which redemption channel you choose. Points are redeemed through various channels funneling through American Express Membership Rewards®.

How the Business Green Rewards Card from American Express compares to other business rewards cards

Who should get the Business Green Rewards Card from American Express?

The Business Green Rewards Card from American Express is great for the small business owner who doesn’t quite trust themselves not to carry a large balance and who travels often to take advantage of those Membership Rewards® points.

Frequently asked questions

The Business American Express Green Card offers benefits such as earning rewards points on spending, providing flexibility with payments, and offering some travel-related protections and assistance. It also allows for adding employee cards to manage business expenses.
The Business Green Rewards Card from American Express is a charge card, not a traditional credit card. It doesn't have a preset spending limit that stays the same each month. Instead, your spending ability adjusts based on factors like your purchase, payment history, and credit record.
The Amex Business Green card doesn't have a traditional preset credit limit. Instead, it has what's called "no preset spending limit," which means your spending power adapts based on factors like your purchase, payment history, and credit record.
The Amex Business Green card can be worth it for the right cardholder. It provides Membership Rewards points, flexible spending, and some travel perks, but has an annual fee and a standard earning rate on most purchases. If your business appreciates the Membership Rewards program and the flexibility of a charge card more than high rewards in particular areas, it could be a good fit. However, businesses prioritizing greater rewards or more extensive benefits might find better options among other Amex or competing cards, including those with no annual fee and potentially higher earning rates. Consider your business's spending patterns to decide if the advantages are worth the cost.
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Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

To see the rates and fees for the Business Green Rewards Card from American Express, please visit the following link: See Rates and Fees.

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