Editor’s note: This is a recurring post with regularly updated card details.
The Amazon Business American Express Card offers premium perks on Amazon purchases without the need for Amazon Prime memberships. You can enjoy 3% cash back or 60-day financing on US purchases at Amazon stores and $0 annual and foreign transaction fees. However, the card does not allow balance transfer transactions.
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 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
- No 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.
- 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 reward upon approval, without the need to meet any spending requirement.
- $0 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: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- 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
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 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
- No 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.
- 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 reward upon approval, without the need to meet any spending requirement.
- $0 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: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- 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
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 APRs, and additional card features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 15 | 25 |
Annual Fee | 15 | 15 |
Features | 15 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 10 | 10 |
Total Score | 75 | 100 |
Who the Amazon Business American Express Credit Card Is Best For
- Business owners who shop at Amazon but aren’t Prime members: You don’t need a Prime membership to qualify for this card. Plus, it offers rewards or free financing terms on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS.
Amazon Business American Express Credit Card Rewards
- $100 Amazon.com gift card upon approval
- Either 3% back or 60-day terms on US purchases at Amazon, Amazon Business, AWS, and Whole Foods Market—if you choose to earn rewards, you’ll earn 3% back on the first $120,000 in purchases for each calendar year, then 1% back thereafter
- 2% back at US restaurants, at US gas stations, and on wireless telephone services purchased directly from US service providers
- 1% back on all other purchases
Rewards Calculator
Find out how much you can earn from Amazon Business American Express Credit Card based on your estimated monthly expenses per spending category mentioned above. Use our rewards calculator to compute your potential rewards—just enter your expected monthly spending in each category, and our calculator will do the rest. Points are worth around 1 cent each.
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.com 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.
Amazon Business American Express Credit Card Additional Features
- Return protection: Receive a refund of the full purchase price of up to $300 per item, with a maximum of $1,000 per account per year, if a store won’t accept a return within 90 days from the purchase date.
- Extended warranty protection: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- Baggage insurance plan:Â Pay your entire trip using your Amazon Business American Express credit card and get covered with baggage insurance of up to $1,250 per person for carried-on bags and up to $500 per person for checked bags.
- Car rental loss and damage insurance:Â Enjoy up to $50,000 coverage per car rental agreement for damage to or theft of a rental vehicle in a covered territory during the rental period.
- Amazon Business enhanced data views:Â See your Amazon Business purchases listed per item in an easily downloadable file from your online statement and gain enhanced insights into purchases to simplify expense reporting.
- Amazon Shop With Points: Earn rewards that don’t expire and use them to shop with Amazon. Pay your purchases with points upon checkout on Amazon.com and US Amazon Business, or apply your rewards toward a purchase on your statement.
Amazon Business American Express Card Fees
APR
- Ongoing: 18.49% to 26.49% variable, which adjusts with the Prime rate
- Cash advance: 29.24% variable, which adjusts with the Prime rate
- Penalty: 29.99% variable, which adjusts with the Prime rate; will be applied to your account if you:
- Made a returned payment
- Made two late payments within the past 12 months
- Did not make the Minimum Payment due by the closing date of the billing period when it is due
Fees
- Annual: None
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance fee: $5 or 3%, whichever is greater
- Late payment fee: Up to $39
- Overlimit: None
- Returned payment: $39
- Online:Â Make a payment through your American Express online account anytime. Choose your payment account and select your bank account and payment date. Note that credit and debit cards cannot be accepted as payment forms.
- Direct bank payment: Pay bills automatically via direct debits. Provide your bank account details to American Express and indicate 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:Â Download the Amex Mobile App and enjoy the convenience of paying your bills on the go, anytime, anywhere.
- Mail:Â Send your payment by check or money order made payable to American Express. Finally, make sure to include your account number at the front of your payment.
First Class Mail
American Express
P.O. 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 Alternatives
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories 
U.S. Bank Triple Cash Rewards Visa® Business Card
Pros
Cons
Pros
Cons
This card offers 0% APR on purchases for the first 12 billing cycles. On top of that, you can use its ExtendPay Program feature to pay off your balance over time without interest (just a small monthly fee). You will also earn up to 5% cash back, receive a $500 welcome offer when you meet the spending requirements, and pay $0 annual fees.
Check out the best U.S. Bank business credit cards for other options from this provider.
Amazon Business Prime American Express Card
The Amazon Business American Express credit card does not require an Amazon Prime membership. However, if you’re a frequent Amazon shopper and are also a Prime member, then you will benefit more from the Amazon Business Prime American Express Card.
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% 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
- No 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.
- 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
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen 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.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% 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
- No 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.
- 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
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen 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.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
If you’re a frequent Amazon shopper and a Prime member, this card will benefit you more. You can choose from either 5% back or 90-Day Terms on US purchases at Whole Foods Market and on Amazon, Amazon Business, and AWS. It has $0 annual fees, and you’ll receive a $125 gift card upon approval without any spending requirement.
See our top American Express business credit cards for other alternatives from the provider.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
BEST FOR:
Those with an existing business checking account with Bank of America
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual fees
- Flexible redemption options
- With welcome offer
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual fees
- Flexible redemption options
- With welcome offer
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
This card lets you earn unlimited 1.5% cash back on purchases. But if you have an existing Bank of America business checking account, you’ll get up to 75% more rewards through its Preferred Rewards for Business program. It charges $0 annual fees and comes with a $300 welcome offer when you meet the spending requirements.
Check out our Bank of America business checking account review for more information. Also, see our list of the Best Bank of America business credit cards for more options from the issuer.
Frequently Asked Questions (FAQs)
You can apply for the Amazon Business American Express Credit Card online. Complete the application form in just a few minutes. Make sure that you are authorized by your company to make financial decisions. Be ready with your important personal and business information, including the Federal Tax Identifier for your business as you’ll need to provide this during the application process.
Once approved for the Amazon Business American Express credit card, you’ll receive a $100 Amazon.com gift card as a bonus. You can view your Amazon.com gift card in your online Amazon account. Go to “Gift Cards” to view your balance, and you can apply this toward your purchases.
Shop With Points allows you to use your rewards toward your Amazon purchases. You need to add your Amazon Business American Express Card to your Amazon account to view and redeem your available points during checkout at Amazon.com and US Amazon Business. You can use any amount of your available points, and then charge the remaining balance to your credit card.
Bottom Line
The Amazon Business American Express Card is designed for business owners who shop at Amazon stores regularly but aren’t members of Amazon Prime. It has $0 annual fees and offers several perks and rewards designed specifically for frequent Amazon shoppers. However, it lacks balance transfers, and the 60-day term it offers for select purchases is shorter than the 0% introductory period offered by most other business credit cards.
