When it comes to choosing between the American Express Green Card® and the American Express Gold Card, there are some key differences to consider. Both cards earn Membership Rewards points, which can be redeemed in various ways, but they cater to different spending habits and preferences. Let’s take a closer look at how these two cards stack up against each other to help you decide which one is the right fit for your needs.
Annual Fees:
The American Express Green Card has an annual fee of $150, while the American Express Gold Card has an annual fee of $325. The higher annual fee of the Gold Card is justified by valuable credits for Dunkin, Uber, Resy, and select dining partners. On the other hand, the Green Card is a more budget-friendly option for travelers who want strong rewards without breaking the bank.
Welcome Offers:
Both cards come with enticing welcome offers for new cardholders. The Green Card offers 40,000 Membership Rewards points after spending $3,000 in eligible purchases in six months, while the Gold Card offers 60,000 Membership Rewards points after spending $6,000 in the same timeframe. The Gold Card’s offer is higher, making it more lucrative for those willing to meet the higher spending requirement.
Rewards Structure:
The Green Card earns 3x points on travel, transit, and dining, and 1x on all other spending. It’s a well-rounded option for frequent travelers and commuters. In comparison, the Gold Card is tailored for foodies, with 4x points on dining and groceries, 3x on flights booked directly with airlines, 2x on prepaid hotels, and 1x on everything else. The winner between the two cards will depend on your personal spending habits.
Additional Benefits:
The Green Card comes with an annual $209 CLEAR Plus membership credit, trip delay insurance, and baggage insurance. On the other hand, the Gold Card offers credits for Uber, Dunkin, Resy, and dining partners, as well as baggage insurance and a $100 credit for bookings with The Hotel Collection properties. Both cards offer valuable perks, but the Gold Card comes with a more robust offering of credits.
Final Thoughts:
While owning both the Green Card and the Gold Card can maximize rewards, it’s essential to consider the combined annual fees of $475. To make it worthwhile, you’ll need to take full advantage of the cards’ credits. Ultimately, the right card for you will depend on your spending habits and preferences.
In conclusion, both the American Express Green Card and the American Express Gold Card have their strengths and cater to different types of spenders. By comparing their features side by side, you can determine which card aligns best with your lifestyle and financial goals.
