American Express Card (Green Card)
Entry-level Amex with Membership Rewards that costs nothing from year two with regular use.
Score: 5.6 / 10 · Adequate
Rating: 5.6 / 10 · No reviews yet
Best for: Amex beginners & points collectors
Overview
The American Express Card (Green Card) is a charge card from American Express on the American Express network. Entry-level Amex with Membership Rewards that costs nothing from year two with regular use. The annual fee is €60. A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: Amex beginners & points collectors. Its strengths lie in collecting points or miles (worth approx. 0.4 %), the welcome bonus and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. Transactions are collected and billed periodically.
How the score is calculated
Overall score: 5.6 / 10 · Adequate
| Costs (30 %) | 4.3 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 2.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 2.1 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Free from year 2 with €9,000 annual spend
- Earn Membership Rewards points
- One supplementary card included
- Travel comfort cover for flight and baggage delays
Costs & Fees
| Annual fee | €60 |
|---|---|
| Welcome bonus | +€40 |
| Eff. annual interest | — |
| Type | Charge card |
| Network | American Express |
| Issuer | American Express |
€40 after €2,000 spend within 6 months
The annual fee is €60. Outside the euro area a 2 % foreign currency fee applies. A fee of 4 % (min. €5) + 2 % foreign currency fee applies to cash abroad. In Germany, cash withdrawals cost 4 % (min. €5). New customers receive a welcome bonus of €40. Billing: Monthly billing, full balance settled by direct debit.
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This card in our comparisons: Miles & Cashback Credit Cards · American Express Credit Cards: Comparison & Overview
Related guides: Credit card instalments: interest explained · Types of credit cards in Germany explained · Credit card fees and how to avoid them
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Frequently asked questions
- What does the American Express Card (Green Card) cost per year?
- The American Express Card (Green Card) costs €60 per year.
- Does the American Express Card (Green Card) charge foreign currency fees?
- Yes. Outside the euro area the American Express Card (Green Card) charges a 2 % foreign currency fee.
- Is the American Express Card (Green Card) a genuine credit card?
- The American Express Card (Green Card) is a charge card — transactions are collected and billed periodically.
- Does the American Express Card (Green Card) require a SCHUFA check?
- Yes, American Express runs a SCHUFA credit check for the American Express Card (Green Card); a negative SCHUFA record can lead to rejection.
- How is money on the American Express Card (Green Card) protected?
- Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.