Core Points - The American Express Green Card and Gold Card cater to different spending habits, with the Green Card appealing to travelers seeking lower fees and the Gold Card targeting food enthusiasts with higher rewards in dining and groceries [1][5][13] Annual Fee Comparison - The American Express Green Card has an annual fee of $150, while the Gold Card has a fee of $325, making the Gold Card more than twice as expensive [2] - Both cards offer high rewards in select categories, but the Green Card is more suitable for those who want strong rewards without a premium fee [2] Welcome Offer - The Amex Green Card offers 40,000 Membership Rewards points after spending $3,000 in the first six months, while the Gold Card offers 60,000 points after spending $6,000 [3][4] Rewards Structure - The Green Card earns 3x points on travel, transit, and dining, and 1x on all other spending, making it a versatile option for travelers and commuters [5] - The Gold Card earns 4x points on dining and groceries, 3x on flights booked directly or through Amex Travel, 2x on prepaid hotels, and 1x on all other spending, making it ideal for foodies [5][6] Additional Benefits - The Green Card includes a $209 CLEAR Plus membership credit, trip delay insurance up to $300, and baggage insurance for up to $1,250 for carry-on and $500 for checked bags [7][11] - The Gold Card offers various credits, including $120 in Uber Cash, up to $84 in Dunkin credits, and dining credits, which can significantly offset its annual fee if maximized [8][9] Suitability for Different Users - The Green Card is recommended for travelers who want to earn points on travel-related purchases and enjoy benefits like CLEAR reimbursement [11][12] - The Gold Card is ideal for individuals who frequently dine out or purchase groceries, as it maximizes rewards in these categories [13] Ownership of Both Cards - Owning both cards can maximize rewards due to their non-overlapping bonus categories, but the combined annual fees total $475, necessitating effective use of credits to justify the cost [14]