Card Cash Value: AMEX Green vs Chase Sapphire Preferred

Review the card details and benefits of the AMEX Green Card and Chase Sapphire Preferred Card side by side. Calculate the cash value based on spend & fees.

The American Express Green Card was revamped in late 2019. Travel and dining categories was added to the card along with a $200 total in annual credits between CLEAR and LoungeBuddy. With the AMEX Green being the only American Express card with a travel category, the card can now be compared to other cards that feature a travel category such as the Chase Sapphire Preferred. Both cards earn on travel and dining while featuring different benefits as well as different annual fees. You can use the Comparison Calculator on this page to find out which card earns you the best return.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The AMEX Green Card has three bonus categories that earn bonus points which are travel, transit and restaurants spending. There is no cap on the amount of bonus Membership Rewards Points you can earn spending in these categories and no limit to the amount of Membership Rewards Points you can earn with the AMEX Green Card overall.

The Chase Sapphire Preferred has two bonus categories which are travel and dining. There's no limit to the amount of bonus Ultimate Rewards Points you can earn spending in these two categories and no limit to the amount of Ultimate Rewards Points you can earn with the card overall.

AMEX Green Card

  • 3x Travel
    • AMEX defines travel as being:
      • Airfare
      • Hotels
      • Timeshare Rentals
      • Vacation Rentals
      • Car Rentals
      • Cruises
      • Tours
      • Vacation Packages
      • Third Party Travel Agencies (i.e. Expedia)
    • Purchases made on the AMEX Travel Portal will also count towards this bonus category.
  • 3x Transit
    • AMEX defines transit purchases as (but is not limited to):
      • Trains
      • Taxi Cabs
      • Rideshares
      • Ferries
      • Tolls
      • Parking
      • Buses
      • Subways
  • 3x Restaurant
  • 1x Non-Category

Chase Sapphire Preferred

  • 5x Lyft
    • All Chase Ultimate Rewards and cash back credit cards earn on Lyft spend.
    • The Chase Sapphire Reserve earns the highest at 10x.
  • 2x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
  • 2x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

Perks & Benefits

The AMEX Green Card comes with an annual $100 credit for a CLEAR membership and an annual $100 credit towards LoungeBuddy. CLEAR membership gives you the ability to cut to the front of the TSA security line while LoungeBuddy allows you to purchase one-time lounge passes, on-demand, when you need them. The cash value of either benefit solely depends on whether you use these programs.

The Chase Sapphire Preferred offers a 25% boost to the value of Ultimate Rewards Points when redeemed on the Chase Travel Portal giving your points an easy value of 1.25 cents each.

AMEX Green Card

  • Annual $100 CLEAR Credit
    • Triggers when you use the card to pay for your CLEAR membership.
    • CLEAR allows you to zoom through airport security at selected airports and stadiums.
  • Annual $100 LoungeBuddy Credit
    • Triggers on purchases with LoungeBuddy.
    • With LoungeBuddy you can purchase one-time lounge passes, on demand, when you need them.
  • ShopRunner Membership*
  • No Preset Spending Limit (NPSL)
    • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
  • AMEX Offers*
  • AMEX Entertainment Access
    • AMEX Presales
    • AMEX Preferred Seating
    • Access To Exclusive Events
  • Insurance and Purchase Protections

Chase Sapphire Preferred

*Enrollment required.

Transfer Partners

Membership Rewards Points and Ultimate Rewards Points are transferable to frequent flyer programs and hotel loyalty programs. If you plan on transferring rewards points to other programs, you'll want to take note of which programs allow you to transfer points where. This especially holds true if you have preferred hotel or airlines that you typically do business with. The transfer partners of both programs are listed below.

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
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The authorized user fee of the selected credit card.
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Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Value:
Return:
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Value:
Return:
American Express® Green Card
American Express® Green Card
Intro Bonus
View Issuer's Website.
Rewards Rate
3X
Earn 3X at restaurants including takeout or delivery.
3X
Earn 3X on transit including trains, buses, ferries, subway, and more.
3X
Earn 3X on travel including airfare, hotels, cruises, tours, car rentals, and more.
1X
Earn 1X on all other purchases.
Main Card Highlights
  • $100 CLEAR Credit to Help You Breeze Through Security - With CLEAR®, your eyes and fingertips can help you get through security faster at select airports and stadiums nationwide.
  • $100 Credit for Lounge Access - Use the American Express® Green Card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year.
  • No foreign transaction fees
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
0%
Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
CardMatch™
Get Your Pre-qualified Offers
Use CardMatch™ to get matched with offers you're more likely to qualify for based on your credit profile which may include special and/or qualified offers.
Remove the guess work and find out which cards have a chance to offer you the best return based on your monthly or yearly spend across up to 20 different categories.

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Updated 2021-06-15 By Robert Flowers III

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