Business Green Rewards Card Value & Point Calculator

Credit Card Rewards Calculator
Calculate how many Membership Rewards Points you can earn with the Business Green Rewards Card, review the benefits, and compare against top business cards.
Last Updated 2021-04-06

The Business Green Rewards Card from American Express is an iconic business charge card that earns 1 Membership Rewards Point per $1 spent on all purchases.

The card has no personal spending limit which means that you can spend up to hidden limit set by American Express based on factors such as previous spend habits and credit history.

Card Details At-A-Glance

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Earning Rates

The Business Green Rewards Card does not feature any bonus categories. It earns 1 Membership Rewards Point per $1 spent on all purchases with no cap on how many points you can earn.

Card Benefits

Extra Points with AMEX Travel

When you use the Business Green Reward Card at amextravel.com, you'll earn 1 additional Membership Rewards Point per $1 spent. This includes air, prepaid hotels, prepaid car rentals, vacation packages, and cruise reservations.

No Preset Spending Limit (NPSL)

The Business Green Rewards Card has no preset spending limit. This means your spending limit is flexible and will adapt based on factors such as your purchase, payment, and credit history.

Expense Management Tools

The Business Green Rewards Card comes with a long list of expense management tools including:

  • Employee cards with a no annual fee option
  • Connect to Quickbooks
  • Online statements to view purchase history, prepare reports, and budget expenses
  • The ability to designate an account manager to access and manage your Business Card account
  • Account alerts to help avoid late payments, spot irregular spending, and monitor Employee Card use
  • The American Express Business App to help you and your employees manage Business Card receipts
  • A Year-End Summary for you to view the charges you made during year with the ability to organize it in pie or bar charts, organized by categories like travel and restaurants
  • Vendor Pay by Bill.com to help you get the most out of paying your business bills and to improve your cash flow

American Express Benefits

The Business Green Rewards Card comes with a handful of standard American Express benefits which includes:

  • American Express Experiences
  • American Express Preferred Seating
  • American Express Presale
  • AMEX Offers (Enrollment Required)

Travel & Purchase Protections

AMEX Points Value

Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel 1
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

Membership Rewards Points earned with the Business Green Rewards Card are worth 1 cent each when redeemed towards airfare through American Express Travel.

If you're looking to maximize the value of your Membership Rewards Points, they can be transferred to AMEX's airline and hotel partners which gives you the change to obtain significantly higher value.

AMEX Points Transfer

Points earned with the Business Green Rewards Card Card can be transferred to 20 travel partners, with most partners being at a 1:1 ratio.

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Is The Business Green Worth The Annual Fee?

The Business Green Rewards Card has a $0 intro annual fee for the first year, then $95. In my opinion, the card doesn't offer enough benefits to justify the annual fee the second year and onward. The card can easily be beat by the The Blue Business® Plus Credit Card from American Express.

Earning Rates

First off, the Business Green Rewards Card earns 1 Membership Rewards Point per $1 spent on all purchases with the ability to earn 1 bonus point per $1 spent via American Express Travel.

The Blue Business Plus credit card, on the other hand, earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases, then 1X. The Blue Business Plus also earns 1 bonus point per $1 spent via American Express Travel. So overall, you're earning more points on the first $50,000 in purchases made to the card.

Card Type

The Business Green Rewards Card is a charge card meaning that you'll be able to spend up to a hidden cap based on payment history, credit record, and other financial resources known to American Express. The full balance of the card is due every statement unless you use the Pay Over Time feature.

The Blue Business Plus Credit Card acts like a charge card as it will allow you to spend over your credit limit up to a hidden cap based on the same payment history, credit record, and other financial resources known to American Express. The full balance of the Blue Business Plus is not due every statement because it is not a legit charge card, but you will have to pay off the balance over your credit limit (plus minimum payment). So you have a bit more flexibility here with the Blue Business Plus.

Annual Fees

As previously mentioned, the Business Green Rewards Card has a $0 intro annual fee for the first year, then $95 thereafter.

The Blue Business Plus Credit Card does not have an annual fee. This means that there's no need to worry about if you're using the card enough to make sure it's worth the fee.

The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Annual Fee: $0
Rewards Rate
2X
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
1X
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
15,000 Points
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

AMEX Points Calculator

Use the Business Green Points Calculator to determine how many AMEX Points you can earn based on the monthly or yearly spending amounts you enter.

You can calculate the cash value of the Business Green Rewards Card alongside up to two other credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need to re-enter spend when jumping to other credit card pages on the site.

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Maximize Points With Rakuten

If your business frequently makes purchases online and you're looking to earn more Membership Rewards Points, you should consider using Rakuten Rewards.

Rakuten is an online shopping portal that pays you for shopping online. Basically, they run a website full of affiliate links to different retailers and pay you, the user, some of their commission when you make an online purchase using those links.

The best thing about Rakuten is that they are partnered with American Express Membership Rewards. So instead of earning cash back on your purchases, you can opt in to earn Membership Rewards Points.

So if Rakuten is offering 10% cash back with a certain retailer, you'll be able to earn 10X Membership Rewards Points. Sounds amazing, right? That's because it is.

I've been using Rakuten Rewards as my main online cash back shopping portal since the start of 2017. Once the ability to earn Membership Rewards Points became available, I never looked back.

I use the portal for all of my personal and business online purchases... from buying gifts to booking travel. Since Rakuten uses affiliate links, you're always dropped off on the retailers website. So you're not booking or buying through a third party.

For example, if I click on the Marriott affiliate link on the Rakuten website, it's going to take me to Marriott.com. I can then book my travel as normal and Marriott will notify Rakuten that I have done such. So I still get to earn my Marriott Bonvoy Points from my Marriott booking as well as earn additional Membership Rewards Points based on what Rakuten is offering for Marriott.

You can sign up for Rakuten Rewards for free through our affiliate link and earn bonus Membership Rewards Points (or cash back) on your first purchase. If you're looking to get the most out of the Membership Rewards program, you don't want to ignore this program.

If Rakuten doesn't offer an affiliate link for the retailer you're shopping with, there's many other online shopping portals available. My backup to Rakuten is usually TopCashback or TopCashback.co.uk (to earn British Airways Avios on purchases).

Check out our reviews on all of the popular online shopping portals.