American Express Green Card
American Express · American Express
Points beginners who want a no-fee entry into the Membership Rewards ecosystem.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
The cheapest way to collect transferable Membership Rewards points in Canada. Earn rates and insurance are bare-bones, but at $0 a year it is a useful keeper card.
Reward rates
All purchases | 1x |
VaultNerd values these points at ~2¢ each.
Welcome bonus
10,000 Membership Rewards points
Requirement: Spend $1,000 in purchases in the first 3 months
Pros
- Rare no-fee access to fully transferable Membership Rewards points
- Decent 10,000-point welcome bonus for a no-fee card
Cons
- Flat 1x earn rate everywhere
- Essentially no travel insurance coverage
Perks
- No annual fee, including free additional cards
- Full Membership Rewards flexibility: transfer 1:1 to Aeroplan, Avios and other partners
- Redeem points as statement credits on any purchase (1,000 points = $10)
- Amex Experiences and Front Of The Line presale tickets
Insurance
- Purchase protection up to $1,000 (90 days)
- Extended warranty (+1 year)
Frequently asked questions
Is the American Express Green Card worth it?
It has no annual fee, and we rate it 3.6 out of 5. It's best suited to points beginners who want a no-fee entry into the Membership Rewards ecosystem. The welcome bonus is worth roughly $200, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the American Express Green Card earn?
It earns 1x on all purchases. We value these points at about 2¢ each, so the top rate works out to roughly 2.0% back.
What credit score do you need for the American Express Green Card?
We'd suggest a score of around 640 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“American Express Green Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/amex-green, updated June 2026.
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