The Green Card is my favourite answer when a friend asks “where do I start?” No fee, and it keeps your Membership Rewards account alive.
Quick facts
| Annual fee | No annual fee (additional cards also free) |
| Welcome offer | 10,000 MR points after $1,000 spend in the first 3 months |
| Earn rates | 1X on everyday purchases; +1 point on eligible Amex Travel Online hotel/car bookings |
| Points value | Amex says 1,000 points = $10 via Use Points for Purchases, and points transfer 1:1 to several frequent flyer programs |
| Interest | 21.99% purchases / 21.99% funds advances |
Source: https://www.americanexpress.com/en-ca/credit-cards/green-card/. Verified on official Amex pages on October 21, 2026. Offers change often, so always check the issuer’s page before applying.
What I like
- $0 annual fee
- Gets you into Membership Rewards with transfer partners
- No annual fee makes it a low-cost first card
What to watch
- Small bonus
- Only 1X earn on most spending
My take
Good fit if the fee and spend line up with your real life. If it does, I’d be grateful if you used my link below.
Heads up: some links on this page are my personal referral links. If you are approved through one, I may earn points at no cost to you. Full disclosure.