The American Express Green Card and American Express Gold Card both earn Membership Rewards points, making them two of the best credit cards for travel. Click "Show More" to see Ad Disclosure. (And yes, they’re actually charge cards).
However, they allow you to earn points quite differently, and each one offers different perks that may or may not be a good fit for you. In this video we’ll put both cards side by side to help you make a good decision :-)
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(1) AMEX GREEN CARD REVIEW
SIGNUP BONUS - Nov. 2020
Earn 45,000 Membership Rewards points after spending $2K in the first 6 months. That’s worth $270 toward cash back or around $900 on average for travel redemptions via transfer partners.
POINTS - Earning Membership Rewards Points
3X Travel (including flights, hotels, rental cars, and more)
3X Transit (including rideshares like Uber and Lyft, taxis, tolls, parking, and more)
3X Restaurants (including dine in, takeout, and delivery with services like Uber Eats and Grubhub)
1X Everything Else
ANNUAL FEE = $150
POINTS - Redeeming Membership Rewards Points
There are a variety of options to redeem credit card points, but the 3 main methods shown in the video are as follows:
- Travel (via Amex Transfer Partners): Points worth 2.0¢ each on average
- Travel (via Amex Travel Portal): Points worth 0.7¢ each toward hotels, car rentals, cruises, and vacation packages. Points worth 1.0¢ each toward flights.
- Cash Back (via Statement Credit): Points worth 0.6¢ each.
AMEX GREEN CARD BENEFITS
- CLEAR Credit ($100/yr.): Get through security faster at select airports and stadiums nationwide.
- Airport Lounge Credit ($100/yr.): Get reimbursed for airport lounge day passes via LoungeBuddy app.
- No Foreign Transaction Fees
- ShopRunner Membership: Free 2-day shipping & returns at 100+ retailers.
AMEX TRANSFER PARTNERS
Aer Lingus Aer Club
Aeromexico
Air Canada
Air France KLM Flying Blue
Alitalia Millemiglia
ANA Mileage Club
Asia Miles
Avianca Lifemiles
British Airways
Delta SkyMiles
El Al Israel Airlines
Emirates Skywards
Etihad Guest
Hawaiian Airlines
Iberia Plus
JetBlue TrueBlue
Quantas Frequent Flier
Singapore Airlines KrisFlyer
Virgin Atlantic
Choice Privileges
Hilton Honors
Marriott Bonvoy
(2) AMEX GOLD CARD REVIEW
SIGNUP BONUS - Nov. 2020
Earn 60,000 Membership Rewards points after spending $4K in the first 6 months. The value of this welcome offer is $360 toward cash back or around $1,200 toward travel using transfer partners (on average).
POINTS - Earning Membership Rewards points
4X US Supermarkets, up to $25K spend per year
4X Restaurants
3X Flights
1X Everything Else
ANNUAL FEE = $250
POINTS - Redeeming Membership Rewards points
- Identical to the redemption options on the Amex Green Card
AMEX GOLD CARD BENEFITS
- Dining Credit ($120/yr.): $10/mo. | Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack
- Airline Fee Credit ($100/yr.): 1 airline | Incidentals| Ending 12/31/2021
- Uber Cash Benefit ($120/yr.): $10/mo. | Starting early 2021
- The Hotel Collection: $100 property credit | Room upgrade | Must book 2+ consecutive nights
- No Foreign Transaction Fees
WHICH IS BEST?
The Amex Green Card is best for TRAVEL. You can earn points on a broad list of travel purchases and the annual credits are geared toward travelers.
The Amex Gold Card is best for FOOD. You can earn points at US supermarkets and worldwide restaurants, plus the monthly credits are ideal for food delivery or pickup.
WHICH TO GET?
Get the AMERICAN EXPRESS GREEN CARD if you…
- Travel moderately to frequently
- Spend broadly on Travel & Transit
- Will use CLEAR + LoungeBuddy credits
- Want to redeem points for travel
Get the AMERICAN EXPRESS GOLD CARD if you…
- Spend on flights when you travel
- Spend a lot at restaurants + grocery stores
- Use Uber & Grubhub, etc.
- Want to redeem points for travel
Get BOTH AMERICAN EXPRESS CREDIT CARDS if you…
- Spend broadly on travel + transit
- Spend a lot at restaurants + groceries
- Desire travel rewards that can be pooled together
Don’t get either card if you value cash back rewards (exception = also having the American Express Platinum Card for Schwab).
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#creditcards #amexgoldcard #amexgreencard
