American Express Business Green Card
The flexible entry-level business card for freelancers and entrepreneurs.
Score: 7.6 / 10 · Good
Rating: 8.4 / 10 · No reviews yet
Best for: Freelancers & sole traders
Overview
The American Express Business Green Card is a charge card from American Express on the American Express network. The flexible entry-level business card for freelancers and entrepreneurs. The annual fee is €70 (free in the first year). A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: Freelancers & sole traders. Its strengths lie in 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: 7.6 / 10 · Good
| Costs (30 %) | 6.6 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 2.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Free in the first year
- Up to 30 days payment term
- Travel accident insurance included
- Employee cards available
Costs & Fees
| Annual fee | €70 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Charge card |
| Network | American Express |
| Issuer | American Express |
The annual fee is €70, with the first year free. 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). Billing: Monthly billing, full balance settled by direct debit.
Redirect to provider · non-binding
This card in our comparisons: Business & Corporate Credit Cards · American Express Credit Cards: Comparison & Overview
Related guides: How to apply for a credit card in Germany · Types of credit cards in Germany explained · Credit card application documents in Germany
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Frequently asked questions
- What does the American Express Business Green Card cost per year?
- The American Express Business Green Card costs €70 per year; it is free in the first year.
- Does the American Express Business Green Card charge foreign currency fees?
- Yes. Outside the euro area the American Express Business Green Card charges a 2 % foreign currency fee.
- Is the American Express Business Green Card a genuine credit card?
- The American Express Business Green Card is a charge card — transactions are collected and billed periodically.
- Does the American Express Business Green Card require a SCHUFA check?
- Yes, American Express runs a SCHUFA credit check for the American Express Business Green Card; a negative SCHUFA record can lead to rejection.
- How is money on the American Express Business Green Card protected?
- Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.