Is the American Express Classic Green Card worth $150/yr?
The honest math on the American Express Classic Green Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $150 annual fee.
American Express · $150 annual fee · earns Membership Rewards
Closed to new applicants.
Earning rates
- 3x Travel — airfare
- 3x Travel — hotels & vacation rentals
- 3x Other travel & transit
- 3x Restaurants worldwide
- 1x Everything else
Statement credits (1)
- $219 CLEAR Plus Credit — Covers a CLEAR Plus airport security membership (up to $219 per calendar year).
Protections and perks (6)
- Trip Delay Insurance — Up to $300 per trip for expenses when a covered trip is delayed more than 12 hours.
- Baggage Insurance — Up to $1,250 for carry-on and $500 for checked baggage that's lost, damaged, or stolen.
- Secondary Rental Car Coverage — Secondary collision/damage coverage — pays after your personal auto policy.
- Purchase Protection — New purchases covered 90 days against damage, theft, or loss, up to $1,000 per occurrence.
- Extended Warranty — Adds a year to eligible manufacturer warranties of 5 years or less.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
Card data verified against American Express on 2026-08-20.
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