I absolutely love my American Express Green Card for many reasons. I read posts on here all the time that people gripe about the points and that it has a "limit", etc.. The limit is per purchase, not a total credit line. So what I've done, is contacted American Express the two times I've charged over $5k on a single purchase. All American Express did was want to know where the charge would come from so the computer wouldn't flag it.
The customer service is phenomenal. I have never had any problems whatsoever. American Express contacted me, because someone had gotten my number, and was trying to charge $9K at Wal-Mart (The computers flagged it because my card wasn't present as it was an online purchase). When I told the CSR that I was not trying to charge that, the CSR told me "No problem we'll take care of it." The very next day UPS delivered a new card to me. Not having a preset spending limit is great especially when renting a car or checking into a hotel where the merchant might hold a deposit. You don't have to worry about not being able to continue using your card because of a portion of your credit line being held.
As far as points go, I use the card for all my day to day spending and the points add up. I hear gripes about not enough points, etc, but I don't know what people are trying to do. I earn enough to use them for a yearly vacation....no the entire trip isn't covered but I usually have enough to cover the hotel or the flight. Travel services are great, I've had to contact them to change a flight due to impending snow and it wasn't a hassle.
The annual fee, $95, that breaks down to about $7.91 per month +/-. To have a card that offers the benefits, the customer service, the acceptance....all well worth it in my opinion. I've never had the card questioned, denied, or anything negative happen in regards to using the card. I can't imagine traveling without it. Perhaps someday I'll upgrade to the Gold for the hotels collection but for now, the card meets my needs. All in all, a fantastic card.
