Amazon Business American Express Card Review 2019

The Amazon Business American Express Card is best for business owners who make purchases at Amazon-owned companies and are not Amazon Prime members. Cardholders earn 3% back or 60-day free financing on United States purchases at Amazon and Whole Foods Market, among many other Amazon businesses. The ongoing annual percentage rate (APR) starts at 15.74%.

The best small business credit cards provide up to 5% back and offer introductory bonuses up to $1,000. The Amazon Business American Express Card rewards are lacking as it only offers 3% back, a $100 gift card upon approval, and a $100 statement credit after spending $3,000 on the card in the 2% ad 1% categories within the first 3 months. Business owners would be better off opening an Amazon Prime account to access 5% back, a $125 gift card, and $100 statement credit. We give this American Express business credit card 3.5 stars out of 5 stars.

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How We Evaluated the Amazon Business American Express Card

The Amazon Business American Express Card gives cardholders the option between 3% back or 60-day free financing on purchases made at Amazon-owned businesses like Amazon Business, Amazon Web Services (AWS), Amazon.com and Whole Foods Market. If you don’t choose the no-interest financing, your APR will range between 15.74% and 23.74%. This cash-back business credit card has no annual fee and, upon approval, you’ll receive a $100 Amazon gift card.

Based on business owners’ wants and needs in a business credit card, the criteria we considered included:

• Ongoing rewards: The ongoing rewards you can earn by using this American Express business credit card; which earns 3% back or 60 days no interest on purchases at Amazon businesses; rewards are awarded as points and each 100 points is worth $1
• Introductory rewards: The introductory offer cardholders receive upon card approval; this American Express business credit card offers a $100 Amazon gift card once you’re approved. Plus, earn an additional $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months.
• Annual fee: How much American Express charges to own the card; this American Express business credit card has no annual fee
• Additional benefits: Whether the credit card has additional perks, which may increase the card’s value; this Amazon business credit card offers free additional benefits including enhanced data views, return protection, purchase protection, baggage insurance, car rental coverage, extended warranty, and more
• Intro APR: Whether the card offers a no-interest period on purchases or balance transfers; this American Express business credit card does not offer an introductory no-interest period; however, cardholders can opt-in for 60-day free financing terms in place of their 3% back rewards
• Ongoing APR: How much it costs to finance purchases on your card; this American Express business credit card has an APR between 15.74% and 23.74%

In comparison to the best cards for Amazon purchases, this American Express business credit card provides near the best rewards for non-Amazon prime members. Instead, business owners can unlock 5% back by opening an Amazon Prime account and applying for the Amazon Business Prime American Express Card.

How We Evaluate Points Rewards Business Credit Cards

When grading points rewards business credit cards like the Amazon Business American Express Card, we weight ongoing and introductory rewards heaviest. We also consider the annual fee, introductory and ongoing APRs, and card features. This Amazon business credit card offers introductory rewards and APRs that don’t match what competitors offer.

We graded the Amazon Business American Express Card using the following methodology:

Based on our five-star rating system where 20 points equals one star, the Amazon Business American Express Card would need to improve its introductory rewards or offer a no-interest introductory period to move up from 3.5 stars to 4 stars. In cases where cards receive perfect scores in most categories, we may award bonus points to boost the card’s rating.

This American Express business credit card falls just below being a top card for Amazon-related purchases. If you frequently shop at Amazon-owned businesses, consider opening an Amazon Prime account and applying for the Amazon Business Prime American Express Card. It offers 5% back and 90-day free financing terms (see rates & fees).

Who the Amazon Business American Express Card Is Right For

The Amazon Business American Express Card is right for business owners who are not Amazon Prime members and frequently shop at Amazon-owned businesses. Cardholders can earn rewards or free financing terms on U.S. purchases at Amazon, Whole Foods Market, Amazon Business, and AWS. Most small business credit cards can’t match these offers on Amazon-related spending.

If you already have an Amazon Prime account, a good card option is the Amazon Business Prime American Express Card. You can unlock 5% back rewards or 90-day free financing terms at Amazon-owned companies.

Amazon Business American Express Card Costs

The Amazon Business American Express Card doesn’t offer an introductory no-interest period. However, users can opt-in for 60-day free financing on purchases from Amazon businesses. If you don’t opt-in for free financing, an ongoing APR between 15.74% and 23.74% will apply. There is no annual fee to own this Amazon business credit card.

The costs and fees on this American Express business credit card are:

• Introductory APR: None, although users can get 0% APR for 60 days on purchases from Amazon businesses
• Ongoing APR: 15.74% – 23.74% variable, which changes with the prime rate
• Annual fee: $0
• Balance transfer fee: Transfers are not allowed
• Foreign transaction fee: None
• Cash advance fee: $5 or 3%, whichever is greater; APR 26.49%
• Late payment fee: up to $39
• Returned payment fee: $39
• Penalty APR: 29.99%, it will last for at least 12 billing period in a row until you have made timely payments with no returned payments

There are some cash back business credit cards that offer extended no-interest periods up to 15 months. The Chase Ink Business Unlimited^SM, for example, has 0% APR for the first 12 months on purchases. It also has a lower ongoing APR compared to this Amazon business credit card, which is between 14.74% and 20.74%.

This American Express business credit card offers an opt-in 60-day free financing feature for purchases at Amazon-owned businesses. If you make an eligible purchase and you select the payment terms option instead of rewards, your payment will be due no less than 60 days from the purchase date. You can unlock 90-day terms by opening an Amazon Prime account and applying for the Amazon Business Prime American Express Card.

How to Avoid Paying Interest on the Amazon Business American Express Card

To avoid paying interest on the Amazon Business American Express Card, you’re required to pay your entire standard balance by your due date. Your due date is at least 25 days after the credit card bill was issued. The potential due date could be longer than other cards, like the Chase Ink Business Unlimited^SM, which has a due date at least 20 days after the close of the billing cycle.

Amazon Business American Express Card Rewards

The Amazon Business American Express Card offers rewards on all spending or 60-day free financing for purchases made at Amazon businesses. In addition, this American Express business credit card also offers a $100 Amazon gift card upon approval plus an additional $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months.

Introductory Rewards

As an introductory reward with the Amazon Business American Express Card, you will earn a $100 Amazon gift card upon approval. Plus, earn an additional $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months.

Most credit cards for Amazon-related purchases with no annual fee generally don’t offer the best introductory rewards. If you’re looking for a more substantial introductory offer, you’ll need to consider a card with an annual fee, such as the Capital One® Spark® Cash for Business card. The Capital One® Spark® Cash for Business card offers  $500 when you spend $5,000 on purchases within three months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening.

Ongoing Rewards

You will earn the following ongoing rewards when using the Amazon Business American Express Card:

• 3% back or 60-day terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market
• 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

User will have the option to earn 3% back or opt-in for 60-day terms with no interest. In comparison, the American Express Blue Business® Plus credit card offers 2x points on everyday business purchases up to $50,000 with no category restrictions.

Rewards Restrictions

The Amazon Business American Express Card won’t reward the following purchases:

• Fees or interest charges payable to American Express
• Cash advances
• Traveler checks
• Other cash-like transactions not made at designated Amazon properties
• Purchases of traveler checks
• Other cash equivalents

Reward restrictions are similar among most cash back business credit cards. For example, the Chase Ink Business Unlimited^SM restricts the same items in addition to balance transfers, gambling transactions, foreign currency, money orders, or wire transfers.

How You Can Redeem Your Rewards

Amazon rewards are tracked as points vs cash back and each 100 points earns is worth $1. You can redeem your Amazon rewards points for eligible purchases at Amazon.com or towards a charge on your credit card statement. 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.

In comparison, the Chase Ink Business Unlimited^SM allows you to redeem your points for cash back, gift cards, and travel through their online portal. Redemption value for each option is one cent per points. When redeeming for cash, you can receive a statement credit or a direct deposit into an eligible checking or savings account.

Amazon Business American Express Card Features

The Amazon Business American Express Card gives users access to unbeatable additional features and benefits. These perks are free and include road assistance hotline, extended warranty, return and purchase protection, car rental coverage, baggage insurance, and Amazon Business enhanced data views.

Roadside Assistance

The Amazon Business American Express Card provides cardholders with a 24-hour dispatch hotline that can help you get basic emergency roadside services. Although the hotline has no additional charge, cardholders will be charged for any services or goods provided. These roadside services include towing, winching, jump starts, gas delivery, locksmith services, and changing of a flat tire.

What’s Covered With the Amazon Business American Express Card Roadside Assistance

American Express roadside assistance hotline can help coordinate the following services:

• Towing to the nearest available repair shop or preferred destination depending provider availability
• Winching
• Jump starts when a battery is dead
• Delivery of up to two gallons of fuel
• Locksmith service if keys are locked in the car
• Changing of a flat tire when there is a workable spare

Some premium American Express business credit cards will cover the cost of these roadside services. For example, the American Express Business Platinum Card® offers Premium Roadside Assistance, which provides these services up to four times per year at no additional cost.

What’s Excluded From the Amazon Business American Express Card Roadside Assistance

The following vehicles aren’t covered by the roadside assistance:

• Rental vehicles
• Taxis
• Unlicensed vehicles
• Tractors and trucks weighing 10,000 or more pounds

These exclusions are similar amongst all American Express business credit cards. The American Express Business Platinum Card® excludes the same vehicles from its roadside assistance.

Purchase Protection

The Amazon Business American Express Card provides purchase protection if your purchased items are damaged or stolen within 120 days from the purchase date, which is only 90 days for New York residents. American Express purchase protection covers up to $1,000 for any one item and up to $50,000 for all items in one year.

What’s Covered With the Amazon Business American Express Card Purchase Protection

The Amazon Business American Express Card protects purchased items that were damaged or stolen within 120 days of the purchase date. Some of the best small business credit cards offer similar coverage, as long as you purchased an item entirely on your active card. For example, the Chase Ink Business Unlimited^SM, provides coverage on items that were damaged, stolen, or if an item’s location is known, but it can’t be recovered.

What the Amazon Business American Express Card Purchase Protection Excludes

Purchase protection does not cover the following types of purchases:

• Consumable or perishable items with extended or limited lifespans, including food, perfume, light bulbs, batteries
• Stolen or damaged items consisting of articles in a pair or set
• Traveler’s checks, tickets of any kind, gift cards and certificates, and cash or its equivalent like rare stamps or coins
• Animals or living plants
• One-of-a-kind, antique or previously owned and used items. Items refurbished by the manufacturer are not considered previously owned or used
• Motorized vehicles, scooters, golf carts, watercraft, aircraft, motorcycles or their motors, equipment, parts or accessories
• Trailers and other items that can be towed by or attached to any motorized vehicle
• Items rented, leased, or borrowed
• Permanent household fixtures unless they can be removed without causing damage to the structure
• Items purchased for use as inventory

Small business credit cards that offer purchase protection generally limit coverage to 90 or 120 days from the date of purchase. For example, the Capital One® Spark® Cash for Business business card replace, repair, or reimburse eligible items within 90 days of purchase. Coverage exclusions are similar across small business credit cards.

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 and up to a maximum of $1,000 per year.

What’s Covered With the Amazon Business American Express Card Return Protection

American Express will only cover purchased items if they’re in their original condition, the original store won’t accept the return, and it’s within 90 days from the purchase date. However, not all small business credit cards cover returns. The Chase Ink Business Unlimited^SM, for example, does not protect purchased items that can’t be returned to the original store.

What’s Excluded From the Amazon Business American Express Card Return Protection

American Express doesn’t cover the following items:

• Animals and living plants
• One-of-a-kind items ― antiques, artwork, and furs ― and going-out-of-business sale items
• Limited edition items or going-out-of-business items
• Consumable or perishable items with limited lifespans
• Jewelry, including loose gems, precious stones, metals, and pearls
• Watches
• Services and additional costs
• Rare or precious coins
• Purchased used and/or altered items
• Custom-built items
• Computer software and firmware
• Maps, books, and magazines, or periodicals of any kind
• Personal hygiene items like toothbrushes, razors or health devices
• Motorized vehicles
• Seasonal items
• Tickets
• Formal wear
• Firearms or ammunition
• Negotiable instruments
• Cash and its equivalent

For those small business credit cards that do offer return protection, exclusions are typically similar. However, not all credit cards come with return protection. For example, the American Express Blue Business® Plus card doesn’t offer return coverage.

Extended Warranty Protection

American Express offers one of the best extended warranty protection plans among small business credit cards. If a purchased item has a manufacturer’s warranty that’s five years or less, America Express will provide an extended warranty or up to $10,000 per claim and $50,000 per account. American Express will match the item’s warranty if it’s less than two years long or provide an additional two years if it’s between two and five years.

What’s Covered With the Amazon Business American Express Card Extended Warranty Protection

The extended warranty protection plan that comes with the Amazon Business Card from American Express only covers eligible items with an original manufacturer’s warranty of five years or less. Other small business credit cards offer less coverage.

What the Amazon Business American Express Card Extended Warranty Protection Excludes

The following purchases are not covered by extended warranty protection:

• Products covered by an unconditional satisfaction guarantee
• Animals or living plants
• Consumable or perishable items, including food, perfume, light bulbs, and batteries
• Motorized vehicles and their parts
• Motorized devices and their parts used for agriculture, landscaping, or construction
• Land or buildings
• Business fixtures, including air conditioners, refrigerators, and heaters
• More than one article in a pair or set
• Items purchased for inventory

This American Express business credit card offers one of the best extended warranty protection plans when compared to other small business credit cards. For example, the Chase Ink Business Unlimited^SM offers an additional year if the original warranty is less than three years. Exclusions here are common across most small business credit cards.

Travel Accident Insurance

American Express will provide up to $100,000 in travel accident coverage if you charge an entire trip on your Amazon Business American Express Card. Travel accident insurances will insure the loss of life, limb, hearing, or eyesight within 100 days after the date of the accident which caused the injury.

What’s Covered With the Amazon Business American Express Card Travel Accident Insurance

By using your Amazon Business American Express Card, you will have coverage if you die or lose a limb, sight, speech, or hearing in relation to any travel fares that were paid entirely on your card. When comparing this coverage to other American Express business credit cards, the American Express Blue Business® Plus credit card provides identical travel accident insurance up to $100,000. Other competitors don’t offer this coverage.

What the Amazon Business American Express Card Travel Accident Insurance Excludes

The following acts aren’t covered by American Express travel accident insurance:

• Suicide or self-destruction, intentionally self-inflicted injury
• War or acts of war
• Injury receive while serving as an operator or crew member
• Injury received while driving, riding as a passenger in, boarding, or exiting a rental or personal vehicle
• Injury received from commuting
• Sickness, pregnancy, or any medical or surgical treatment for such conditions
• Stroke or cerebrovascular accident, heart attack, aneurysm, or deep vein thrombosis

Travel accident insurance isn’t a guaranteed additional perk on all small business credit cards. For example, Chase Ink Business Unlimited^SM doesn’t provide cardholders with this type of coverage. Exclusions here are common among cards that come with travel accident insurance.

Baggage Insurance Plan

The Amazon Business American Express Card provides baggage insurance for any lost bags while in transit, including carry-on baggage, checked baggage, and certain high-risk items. This coverage ranges between $250 and $1,250, depending on the loss.

What’s Covered With the Amazon Business American Express Card Baggage Insurance Plan

The Amazon Business American Express Card baggage insurance plan covers:

• Up to $1,250 for the replacement cost of baggage lost in direct transit to or while boarding a common carrier
• Up to $1,250 for the replacement cost of carry-on baggage
• Up to $500 for the replacement cost of checked baggage
• Maximum benefit of $250 for loss of high-risk items

High-risk items include, but are not limited to jewelry, sporting equipment, electronic equipment, and furs or articles made mostly with fur. The American Express Blue Business® Plus credit card provides identical coverage. Some competitors don’t offer a baggage insurance plan, such as the Chase Ink Business Unlimited^SM.

What the Amazon Business American Express Card Baggage Insurance Plan Excludes

The Amazon Business American Express Card baggage insurance doesn’t cover:

• Cash or its equivalent, notes, accounts, bills, currency, deeds, and food stamps
• Evidence of debt or intangible property
• Credit cards and other travel documents like passports or visas
• Securities, tickets, and documents
• Living plants or animals
• Food, consumable, and perishable items
• Eyeglasses, sunglasses, and contact lenses
• Hearing aids, artificial teeth and limbs, prescription and nonprescription drugs
• Property shipped as freight or shipped prior to the departure date

There are some premium small business credit cards that offer more coverage. The American Express Business Platinum Card® offers coverage up to $3,000. However, exclusions here are common among small business credit cards.

Car Rental Loss and Damage Insurance

By using the Amazon Business American Express Card, American Express will cover up to $50,000 per car rental agreement for the first 30 consecutive days of a car rental. The car rental loss and damage insurance covers both damage and theft of a rental vehicle during the rental period.

What’s Covered With the Amazon Business American Express Card Car Rental Loss and Damage Insurance

The car rental loss and damage insurance will pay the lesser of:

• The actual cost to repair the rental car
• The wholesale book value of the rental car, minus salvage and depreciation costs
• The purchase invoice price of the rental car, minus salvage and depreciation costs

In comparison, the Chase Ink Business Unlimited^SM provides an auto rental collision damage waiver that covers damage from collision or theft. Additionally, Chase also covers eligible towing charges and loss-of-use charges incurred by the rental company.

What the Amazon Business American Express Card Car Rental Loss and Damage Insurance Excludes

The following losses are not covered by this insurance package:

• Intentional damage by the authorized driver
• Damage that occurred before the rental period
• Manufacturing defects in the rental car
• Confiscation by authority
• Wear and tear of the rental car
• Damage which is due and confined to freezing
• Theft or damage to rental cars that are unlocked or not secured
• Theft of or damage to tires like flats or blowouts
• Damage to any vehicle other than the rental car and to any property other than the rental car

Most exclusions here are common across small business credit cards. Although, some cards offer more coverage. For example, the Chase Ink Business Unlimited^SM may reimburse you up to the cash value of the car compared to the $50,000 monetary cap on this American Express business credit card.

Global Assist Hotline

Amazon Business American Express Card users will have the ability to call a global assistance hotline if they travel further than 100 miles from home. Cardholders can use the global assist hotline for assistance and coordination services hen unexpected situations come up during a trip. You can call the hotline at no additional cost, but any charges by a third-party service are your responsibility.

Services the Amazon Business American Express Card Global Assist Hotline Provides

The Amazon Business American Express Card provides the following travel and emergency assistance:

• Language interpretation and translation services
• Lost item assistance
• Travel document assistance
• Credit card cancellation
• Relay urgent messages at all hours

The Amazon Business American Express Card provides the following medical and legal assistance:

• Access to physicians and dentists in the area
• Transfer prescription medicine from your pharmacy at home
• Medical care and transportation assistance while traveling
• Locate bail bond locations that accept your American Express card
• Referrals for embassies and English-speaking lawyers

Global assist hotline is provided across all American Express business credit cards, like the American Express Business Blue^SM credit card. However, not all small business credit cards have a global assist hotline. The Chase Ink Business Unlimited^SM offers something similar. However, it does not provide as many services.

Account Management Tools

By using the Amazon Business American Express Card, cardholders will have access to several different American Express account management tools. American Express provides a mobile device app to pay your bills and desktop programs to manage your employee cards. Cardholders can also connect their American Express account with QuickBooks to upload their transaction history automatically.

This American Express business credit card’s account management tools are:

• Desktop account managers: Employee cards can be managed straight from your desktop. Account holders can monitor their daily transactions, set spend limits, and watch for any unusual spending
• Mobile device apps: American Express provides mobile device apps that give account holders the ability to pay their bills and manage their cards; employees also have access to a mobile device app to take photos of their receipts and upload them for expense reporting purposes
• QuickBooks connection: Account holders can connect their American Express business account with QuickBooks and have their transaction data transferred automatically

Most small business credit cards offer some type of account management tool. However, American Express account management tools are far better than competitors.

Amazon Business Enhanced Data Views

With the Amazon Business American Express Card, cardholders can gain enhanced insights on purchases and simplify expense reporting. With Amazon Business enhanced data views, you can see Amazon Business purchases listed item by item in an easily downloadable file from your online statement.

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 detail on your card statement. This is a unique additional feature compared to competitors and most other American Express business credit cards. The Amazon Business Prime American Express Card is the only other American Express business credit card that provides this feature.

American Express Customer Service

American Express provides world-class customer support from their special brand of Relationship Care service. By calling the number on the back of your card, you can speak to a customer services member who is trained to understand the needs of small business owners. This service is provided on most American Express business credit cards, which can increase its perceived value.

Adding Amazon Business American Express Card Employee Cards

Adding employee cards to your Amazon Business American Express Card account is completely free. Most small business credit cards offer employee cards at no cost with the exception of a few premium American Express business credit card. Regardless, employee cards are a good option because they allow you to manage employee expenses by setting spend limits and monitoring transactions.

What the Amazon Business American Express Card Is Missing

The Amazon Business American Express Card isn’t the best business credit card option to use for the bulk of your business spending if your goal is to maximize your rewards. It only pays 1% back on purchases that aren’t from Amazon business, restaurants, gas stations, and wireless phone services. If you want to earn cash back on all spending, consider the Capital One® Spark® Cash for Business, which offers 2% cash back.

Amazon Business American Express Card Reviews

The Amazon Business American Express Card is relatively new ― released in October 2018 ― even so, have already been submitting online reviews, which are mixed. Cardholders say the application process is simple and the customer service is excellent. However, there are a few complaints about the high APR, and some customers expressed disappointment at receiving low credit limits.

How to Apply for the Amazon Business American Express Card

You can apply for the Amazon Business American Express Card through Amazon’s website. To get a business credit card, you’re required to enter your basic business and personal information. Typically, you’ll receive an instant answer regarding your application. If approved, your card will arrive within seven to 10 business days.

How to Log in Into Your Amazon Business American Express Card Account

You can log in to your Amazon Business American Express Card account online. If you need additional assistance, you can contact American Express customer service through American Express or call 800-492-3344.

Other American Express Business Credit Cards

American Express offers a number of small business credit cards for all different types of business spending needs, including cash back cards and travel rewards cards. Another card might be better if you’re looking to earn rewards on purchases outside of Amazon.com.

The other American Express business credit cards are:

• American Express Business Platinum Card®: Best for business owners who travel a lot and want access to the best travel perks; you’ll also earn maximum rewards on flights and prepaid hotels purchased through American Express
• American Express® Business Gold Card: Best for business owners who want to earn rewards for the two spending categories they spend the most in each month; additionally, you’ll have access to American Express premium travel perks
• The Plum Card® from American Express: Best for business owners that want a charge card and the ability to tap into pay early discounts; this charge card is due in full monthly and therefore isn’t best if you need to carry a balance
• American Express Blue Business® Plus Credit Card: Best for business owners who want to earn rewards on just about all of their business purchases; it’s also an excellent option for those who travel often and want access to premium free travel perks
• Hilton Honors American Express Business Credit Card: Best for businesses that frequently stay at Hilton hotels and resorts; you will have access to the Hilton Honors Gold Status membership and American Express travel perks
• Marriott Bonvoy Business^TM American Express® Card: Best for business owners that want to earn Marriott Bonvoy rewards and primarily stay at Marriott Bonvoy hotels; new cardholders can also earn a substantial introductory Marriott Bonvoy points reward
• American Express Delta Reserve® for Business Credit Card: Best for business owners who typically fly with Delta Airlines; cardholders will have access to Delta Sky Clubs and receive additional American Express travel perks
• American Express Platinum Delta SkyMiles® Business Credit Card: Best for business owners who fly Delta and are looking to earn Delta SkyMiles rewards for their airline purchases
• American Express Gold Delta SkyMiles® Business Credit Card: Best for business owners and employees that primarily fly with Delta Airlines; you can earn Delta SkyMiles on select purchases and tap into American Express travel perks
• Amazon Business Prime American Express Card: Best for existing Amazon Prime members who want to earn cash back or free financing on purchases at Amazon businesses
• American Express Business Green Rewards Card: Best for businesses that generally have a low annual spend amount; you can earn points rewards on American Express travel and have access to American Express travel coverages
• American Express Lowe’s Business Credit Card: Best for business owners who do a lot of shopping at Lowe’s; cardholders can earn rewards on Lowe’s-related purchases and in-store discounts

Alternatives to the Amazon Business American Express Card

There are other small business credit cards that may offer better rewards for your business spending needs. If your business spending ranges across several spending categories like gas stations, restaurants, or office supplies, you may want to consider a different small business rewards credit card.

3 Alternatives to the Amazon Business American Express Card

For rates and fees on the American Express Blue Business® Plus Credit Card, please click here.
For rates and fees on the Amazon Business Prime American Express Card, please click here.
For rates and fees on the Amazon Business American Express Card, please click here.