Amazon Business American Express Card Review for 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
The Amazon Business American Express Card is best for business owners who frequently shop at Amazon-owned companies but don’t have Amazon Prime memberships. This small business card offers perks like 3% cash back or 60-day financing on United States purchases at Amazon Business, Amazon Web Services (AWS), Amazon, and Whole Foods Market.
If you wish to compare one card over another, choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Amazon Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
3% back or 60-day repayment terms
Intro APR
N/A
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Intro APR
N/A
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
How We Evaluate Points Rewards Business Credit Cards
When evaluating points rewards business credit cards like the Amazon Business American Express Card, we first take into account both the ongoing and introductory rewards. We also look at the annual fee, introductory and ongoing annual percentage rates (APRs), and additional card features.
| Grading Criteria | ||
|---|---|---|
Ongoing Rewards | ||
Introductory Rewards | ||
Annual Fee | ||
Features | ||
Introductory APR | ||
Ongoing APR | ||
| Total Score |
If you prefer another credit card from Amazon, check out our review of the best Amazon business credit cards. Alternatively, you can also check our review of the best American Express business credit cards if you are considering an American Express credit card.
Who the Amazon Business American Express Credit Card Is Best For
- Business owners who shop at Amazon but aren’t Prime members: The Amazon Business American Express Card offers rewards or free financing terms on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS without requiring an Amazon Prime membership.
Amazon Business American Express Card Fees
- Ongoing APR: 17.99% (Prime Rate + 10.99%) to 25.99% (prime rate + 18.99%) variable—changes with the prime rate
- Cash advance APR: 28.74% (prime rate + 21.74%) variable—changes with the prime rate
- Penalty APR: 29.99% (prime rate + 25.99%)
- Paying interest: At least 25 days after the close of each billing period
- Annual fee: None
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is greater
- Late payment fee: Up to $39
- Overlimit: None
- Returned payment: $39
Penalty APR will be applied to all balances on your account if you meet at least one of the following conditions:
- Made a returned payment
- Made two late payments within the past 12 months
- Didn’t make the Minimum Payment due by the closing date of the billing period when it’s due
Amazon Business American Express Credit Card Rewards
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.
- 2% back at US restaurants, US gas stations, and on wireless telephone services purchased directly from US service providers
- 1% back on all other purchases
Amazon rewards are tracked as points versus cash back, with every 100 points earned worth $1. You can redeem your Amazon rewards points for eligible purchases at Amazon or as an automatic credit to your bill. Your points don’t expire as long as your account remains open. However, you may forfeit points if your account status changes or if you default on a payment.
How To Make Payments in the Amazon Business American Express Credit Card
- Online: Make a payment through your American Express online account anytime. Choose your payment account and select your bank account and payment date. Take note that credit cards and debit cards cannot be accepted as a form of payment.
- Direct bank payment: Direct debits let you pay bills automatically, so there’s no need to worry about missing due dates. Make sure to provide your bank account details to American Express and let them know the amount you’d like to pay every month.
- AutoPay: Enroll in AutoPay through your American Express online account. Note that your first AutoPay payment may not be applied to your current billing cycle. You may need to make your usual payments through a different method until your AutoPay begins.
- Amex mobile app: Download the Amex mobile app and enjoy the convenience of paying your bills on the go, anytime, anywhere.
- Mail: You can send your payment either by check or money order made payable to American Express. Finally, ensure to include your account number at the front of your payment.
First Class Mail
American Express
PO Box 650448
Dallas, TX 75265-0448
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
Amazon Business American Express Credit Card Features
Amazon Business Enhanced Data Views
Each time you make a purchase on your Amazon business credit card, Amazon will collect and share transaction data with American Express to help provide purchase details on your statement. The Amazon Business enhanced data views feature allows you to see Amazon Business purchases listed item by item in an easily downloadable file from your online statement. This helps you to gain enhanced insights on purchases and simplify expense reporting.
Amazon Shop With Points
You can earn rewards that don’t expire and use them to shop with Amazon. You have the option to pay your purchases with points upon checkout on Amazon.com and US Amazon Business or apply them toward a purchase on your statement.
Purchase Protection
Items damaged or stolen within 90 days of the purchase date are covered with purchase protection up to $1,000 per item, with a maximum of $50,000 per eligible account. Moreover, American Express also offers up to $500 per covered event. Some items aren’t covered, including perishable items, tickets of any kind, gift cards, antique items, motorized vehicles, and permanent fixtures.
Return Protection
The Amazon Business American Express Card offers return protection if a store won’t accept a return within 90 days from the purchase date. American Express may refund the full purchase price up to $300 per item, with a maximum of $1,000 per account per year. Items excluded from this coverage are animals, living plants, books, jewelry, motorized vehicles, tickets, formal wear, and more.
Extended Warranty Protection
If a purchased item has a manufacturer’s warranty of five years or less, American Express will provide an additional one-year warranty of up to $10,000 per covered purchase and $50,000 per eligible card. Some items aren’t covered, including motorized devices, vehicles, fixtures, real estate, consumable items, animals, living plants, and items with unconditional satisfaction guarantees.
Baggage Insurance Plan
The Amazon Business American Express Card provides baggage insurance for any lost or damaged bags while in transit, including carry-on baggage, checked baggage, and certain high-risk items. High-risk items include, but aren’t limited to, jewelry, sporting equipment, electronic equipment, and furs or articles made mostly with fur.
This coverage ranges between $500 and $1,250, depending on whether it was checked-in or carried-on baggage that was lost or damaged. High-risk items are subjected to a maximum of $250 per covered person for all baggage on a covered baggage trip. New York State cardmembers get a maximum of $10,000 aggregate per covered baggage trip for all covered persons.
Car Rental Loss & Damage Insurance
American Express will cover up to $50,000 per car rental agreement for damage to or theft of a rental vehicle in a covered territory. The car rental loss and damage insurance covers both damage to and theft of a rental vehicle during the rental period. Certain instances are excluded from the coverage, such as intentional damage by the authorized driver, normal wear and tear, confiscation by the authorities, damage related to freezing, and damage to tires.
Global Assist® Hotline
A global assistance hotline is available to cardholders when they travel farther than 100 miles from home. Users can call the hotline at no additional cost, but any fees charged by third-party service providers will be the cardholder’s responsibility. The available services include travel, emergency, medical, and legal assistance.
Pros & Cons of the Amazon Business American Express Credit Card
| PROS | CONS |
|---|---|
| No annual and foreign transaction fees: The Amazon Business American Express Card does not charge annual and foreign transaction fees, making it easier for business owners who buy through Amazon to plan their spending. | No interest-free financing scheme: This business credit card does not offer introductory APR for new cardholders. |
| No need for Amazon Prime membership: Business owners who shop frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t members of Amazon Prime. | Requires Good/Excellent Credit: While Amazon did not specify the credit score business owners need to have to be qualified in getting this card, it is best to get good to excellent credit with a FICO credit score of 670 or higher. |
| Has the option to choose on cash back or 60-day terms: This business credit card lets cardholders choose between 3% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market or have the payment be due no less than 60 days from the date of purchase | Low rewards rate: This card offers only 3% on the first $120,000 worth of purchases for each calendar year, then 1% thereafter. |
Amazon Business American Express Credit Card Alternatives
Chase Ink Business Unlimited®
The Chase Ink Business Unlimited® offers a very easy rewards program—unlimited 1.5% fixed rate cash back for every dollar spent on any business purchase, regardless of the spend category. Moreover, this business credit card has a welcome offer of $900 cash back after spending $6,000 worth of purchases within the first three months after account opening. It’s no surprise that this card is our top pick for best instant approval business credit card and among our top choices for the best business credit cards with no annual fee.
If you think this Chase card isn’t for you, you can check on the best Chase business cards.
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Capital One® Spark® Cash Select Good Credit
The Capital One® Spark® Cash Select Good Credit card is best for business owners with good credit who want to earn fixed-rate, unlimited 1.5% cash back without having to monitor spending categories. It offers a 0% introductory APR on purchases for 12 months, making this a great alternative for those who want to finance a large purchase and take advantage of a longer interest-free term. These rewards and benefits are what made it one of our top choices for the best business credit cards for the self-employed.
If you think this Capital One® card isn’t for you, you can check on the best Capital One business credit cards.
Capital One® Spark® Cash Select Good Credit
BEST FOR:
Businesses with good credit that want a 0% introductory APR
Intro APR
0%
Regular APR
18.99%, 23.99%, or 26.99% variable, which adjusts with the prime rate
Annual Fee
$0
Credit Needed
Good
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual fee
- Ability to finance purchases with 0% APR for 12 months
- Free employee cards
Cons
- 0% APR doesn’t apply to balance transfers
- No sign-up bonus
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
Intro APR
0%
Regular APR
18.99%, 23.99%, or 26.99% variable, which adjusts with the prime rate
Annual Fee
$0
Credit Needed
Good
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual fee
- Ability to finance purchases with 0% APR for 12 months
- Free employee cards
Cons
- 0% APR doesn’t apply to balance transfers
- No sign-up bonus
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
American Express Blue Business® Plus
If you need a credit card that allows you to go over your credit limit, consider opening an American Express Blue Business® Plus card. It features expanded buying power and offers a 0% introductory rate for 12 months. This card is a great alternative if you don’t need to make a cash advance, as it doesn’t allow cash advances. It’s no surprise that this business credit card is one of our top choices for the best limited liability company (LLC) credit cards and best credit card for new businesses with no credit history.
If you think this American Express card isn’t for you, you can check on the best American Express business credit cards.
The Blue Business® Plus Credit Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
16.99% - 24.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Intro APR
0% on purchases
Regular APR
16.99% - 24.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Bottom Line
The Amazon Business American Express Card is a no-annual-fee, points-based rewards credit card designed for business owners who frequently shop at Amazon stores but aren’t members of Amazon Prime. For more recommendations for credit cards that may be a better fit for your business, check out our list of the best small business credit cards or find one through our Credit Card Marketplace.
