Amazon Business American Express Card Review for 2023
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.
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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 shop at Amazon-owned companies frequently but don’t have Amazon Prime memberships. You can enjoy 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. It lacks annual and foreign transaction fees and doesn’t allow balance transfer transactions.
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
18.99% - 26.99% 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
18.99% - 26.99% 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 | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 10 | 20 |
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: This card doesn’t require a Prime membership. It offers rewards or free financing terms on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS.
To find other options, head over to our recommended alternatives below.
Amazon Business American Express Card Fees
APR
- Ongoing: 18.99% to 26.99% variable, which adjusts with the prime rate
- Cash advance: 29.74% 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 did one of the following:
- 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
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
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. 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: 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 Rewards
- $100 Amazon gift card upon approval
- Either 3% back or 60-day terms on US purchases at Amazon Business, AWS, Amazon, 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, 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 vs 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.
Amazon Business American Express Credit Card Additional Features
Protection Coverage
- Return protection: This 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.
- 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.
- Baggage insurance plan: When you purchase your entire trip using this card, you’re covered with baggage insurance 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: 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 during the rental period.
Cash Management
- 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. This feature allows you to see Amazon Business purchases listed item by item in an easily downloadable file from your online statement, so you can gain enhanced insights into 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 and US Amazon Business or apply them toward a purchase on your statement.
Amazon Business American Express Credit Card Alternatives
Chase Ink Business Unlimited®
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
17.74% - 23.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $750 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
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 United States 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
17.74% - 23.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $750 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
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 United States 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
- Chase Ink Business Unlimited® is best for those wanting an easy rewards program
- Offers unlimited 1.5% fixed rate cash back for every dollar spent on any business purchase, regardless of the spend category
- Comes with a welcome offer of $750 cash back after spending $7,500 worth of purchases within the first three months after account opening
- Charges no annual fee
- Is among our best business credit cards with no annual fee.
If this Chase card isn’t a good fit, see the best Chase business cards.
Capital One® Spark® Cash Select Good Credit
Capital One® Spark® Cash Select Good Credit
BEST FOR:
Businesses with good credit that want a 0% introductory APR
Intro APR
0%
Regular APR
20.24% - 28.24% 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 cards plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
Intro APR
0%
Regular APR
20.24% - 28.24% 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 cards plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
- Capital One® Spark® Cash Select Good Credit is best for business owners with good credit wanting to earn fixed-rate cash back
- Offers unlimited 1.5% cash back on all purchases without having to monitor spending categories
- Comes with a 0% introductory APR on purchases for 12 months and no annual fee
- Is one of our leading business credit cards for self-employed
Check out our roundup of the best Capital One business credit cards if you want another card from Capital One.
American Express Blue Business® Plus
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
17.99% - 25.99% 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, 17.99% - 25.99%, 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
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% 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, 17.99% - 25.99%, 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
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- American Express Blue Business® Plus is designed for those who go over their credit limit
- Features expanded buying power that allows you to spend beyond your credit limit based on your card usage, credit score, payment behavior, and financial resources
- Offers a 0% introductory rate for 12 months
- Doesn’t allow cash advances
- Has no annual fee
- Is one of our top-recommended credit cards for new businesses with no credit history
If you need more suitable options, then check out our guide to the top small business credit cards. You may also want to see our list of the best American Express business credit cards.
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 no annual fees and offers several perks and rewards specifically designed for frequent Amazon shoppers. However, it lacks balance transfers, and the 60-day term that it offers for select purchases is shorter compared to the 0% introductory period offered by most other business credit cards.
