Is the Amex Green worth it in 2026?

Keep it+$159 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 2.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonusno current offer: —
Recurring credits (if fully used): +$309
Annual fee: −$150
Year-one value: +$159
Ongoing (year 2+, no bonus)credits − fee: +$159

Recurring credits

CLEAR Plus$209/yr
LoungeBuddy Credit (sunset)$100/yr

Apply for the Amex Green

The application happens on American Express's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Amex GreeniOS app coming soon

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FAQ

Is the Amex Green worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 2.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Amex Green?

Probably not on the numbers alone — the recurring credits ($309/yr) already cover the $150 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.