Is the American Express Green Card worth the higher annual fee?

The American Express Green Card costs $150/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the American Express Green Card or Chase Sapphire Preferred Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the American Express Green Card have that the Chase Sapphire Preferred Card doesn't?

The American Express Green Card offers lounge access. The Chase Sapphire Preferred Card offers travel credits.

Should I get the American Express Green Card or the Chase Sapphire Preferred Card?

Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Is the American Express Green Card worth the higher annual fee?

The American Express Green Card costs $150/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the American Express Green Card or Chase Sapphire Preferred Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the American Express Green Card have that the Chase Sapphire Preferred Card doesn't?

The American Express Green Card offers lounge access. The Chase Sapphire Preferred Card offers travel credits.

Should I get the American Express Green Card or the Chase Sapphire Preferred Card?

Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Is the American Express Green Card worth the higher annual fee?

The American Express Green Card costs $150/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the American Express Green Card or Chase Sapphire Preferred Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the American Express Green Card have that the Chase Sapphire Preferred Card doesn't?

The American Express Green Card offers lounge access. The Chase Sapphire Preferred Card offers travel credits.

Should I get the American Express Green Card or the Chase Sapphire Preferred Card?

Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

American Express Green Card vs Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card ($95/yr) is better for everyday value, while the American Express Green Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express Green Card

American Express

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$150

$95

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Chase Sapphire Preferred Card
Dining	3X	3X

Category-by-Category Winner

The American Express Green Card wins in 4 of 7 categories. The Chase Sapphire Preferred Card leads in 3.

Travel

American Express Green Card earns 3X vs 2X

Transit

American Express Green Card earns 3X vs 1X

Ridesharing

American Express Green Card earns 3X vs 1X

Tolls

American Express Green Card earns 3X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Is the Fee Difference Worth It?

The American Express Green Card costs $150/yr — that's $55 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $55 in annual value from the card's higher earn rates and benefits.

The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $150), making it the more accessible option.

The American Express Green Card justifies its higher fee with premium perks like lounge access.

Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the American Express Green Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the American Express Green Card worth the higher annual fee?: The American Express Green Card costs $150/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the American Express Green Card or Chase Sapphire Preferred Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the American Express Green Card have that the Chase Sapphire Preferred Card doesn't?: The American Express Green Card offers lounge access. The Chase Sapphire Preferred Card offers travel credits.
Should I get the American Express Green Card or the Chase Sapphire Preferred Card?: Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Green Amex Gold vs Chase Sapphire Preferred Amex Green vs Amex Platinum Amex Green vs Capital One Quicksilver

Explore More

American Express Green Card — Full Review All American Express Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

American Express Green Card vs Chase Sapphire Preferred Card

American Express Green Card

American Express

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$150

$95

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Chase Sapphire Preferred Card
Dining	3X	3X

Category-by-Category Winner

The American Express Green Card wins in 4 of 7 categories. The Chase Sapphire Preferred Card leads in 3.

Travel

American Express Green Card earns 3X vs 2X

Transit

American Express Green Card earns 3X vs 1X

Ridesharing

American Express Green Card earns 3X vs 1X

Tolls

American Express Green Card earns 3X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Is the Fee Difference Worth It?

The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $150), making it the more accessible option.

The American Express Green Card justifies its higher fee with premium perks like lounge access.

Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the American Express Green Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the American Express Green Card worth the higher annual fee?: The American Express Green Card costs $150/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the American Express Green Card or Chase Sapphire Preferred Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the American Express Green Card have that the Chase Sapphire Preferred Card doesn't?: The American Express Green Card offers lounge access. The Chase Sapphire Preferred Card offers travel credits.
Should I get the American Express Green Card or the Chase Sapphire Preferred Card?: Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Green Amex Gold vs Chase Sapphire Preferred Amex Green vs Amex Platinum Amex Green vs Capital One Quicksilver

Explore More

American Express Green Card — Full Review All American Express Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

American Express Green Card vs Chase Sapphire Preferred Card

American Express Green Card

American Express

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$150

$95

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Chase Sapphire Preferred Card
Dining	3X	3X

Category-by-Category Winner

The American Express Green Card wins in 4 of 7 categories. The Chase Sapphire Preferred Card leads in 3.

Travel

American Express Green Card earns 3X vs 2X

Transit

American Express Green Card earns 3X vs 1X

Ridesharing

American Express Green Card earns 3X vs 1X

Tolls

American Express Green Card earns 3X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Is the Fee Difference Worth It?

The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $150), making it the more accessible option.

The American Express Green Card justifies its higher fee with premium perks like lounge access.

Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the American Express Green Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the American Express Green Card worth the higher annual fee?: The American Express Green Card costs $150/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the American Express Green Card or Chase Sapphire Preferred Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the American Express Green Card have that the Chase Sapphire Preferred Card doesn't?: The American Express Green Card offers lounge access. The Chase Sapphire Preferred Card offers travel credits.
Should I get the American Express Green Card or the Chase Sapphire Preferred Card?: Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Green Amex Gold vs Chase Sapphire Preferred Amex Green vs Amex Platinum Amex Green vs Capital One Quicksilver

Explore More

American Express Green Card — Full Review All American Express Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Pros & Cons

Pros

+3X on travel, transit, and dining worldwide covers most everyday spending
+$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
+$100 LoungeBuddy credit provides flexible airport lounge access
+No foreign transaction fees for international travel
+Made from reclaimed ocean plastic (environmentally friendly)

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

−$150 annual fee is not waived first year
−No direct lounge network membership (LoungeBuddy is pay-per-use)
−CLEAR credit has limited value outside major airports
−Lower-tier welcome bonus compared to Gold or Platinum
−$35 authorized user fee adds up for multi-card households

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

Pros & Cons

Pros

+3X on travel, transit, and dining worldwide covers most everyday spending
+$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
+$100 LoungeBuddy credit provides flexible airport lounge access
+No foreign transaction fees for international travel
+Made from reclaimed ocean plastic (environmentally friendly)

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

−$150 annual fee is not waived first year
−No direct lounge network membership (LoungeBuddy is pay-per-use)
−CLEAR credit has limited value outside major airports
−Lower-tier welcome bonus compared to Gold or Platinum
−$35 authorized user fee adds up for multi-card households

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

Pros & Cons

Pros

+3X on travel, transit, and dining worldwide covers most everyday spending
+$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
+$100 LoungeBuddy credit provides flexible airport lounge access
+No foreign transaction fees for international travel
+Made from reclaimed ocean plastic (environmentally friendly)

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

−$150 annual fee is not waived first year
−No direct lounge network membership (LoungeBuddy is pay-per-use)
−CLEAR credit has limited value outside major airports
−Lower-tier welcome bonus compared to Gold or Platinum
−$35 authorized user fee adds up for multi-card households

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

American Express Green Card vs Chase Sapphire Preferred Card

American Express Green Card

Chase Sapphire Preferred Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

American Express Green Card vs Chase Sapphire Preferred Card

American Express Green Card

Chase Sapphire Preferred Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

American Express Green Card vs Chase Sapphire Preferred Card

American Express Green Card

Chase Sapphire Preferred Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?