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.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Disclosure: All information about Amazon Business American Express Card has been collected independently by Fit Small Business.
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 26.24% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
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
- Amazon Business American Express Credit Card Rewards
- Amazon Business American Express Credit Card Additional Features
- Amazon Business American Express Card Fees
- Amazon Business American Express Credit Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
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.
Head over to our
below if this card doesn’t fit your business’s needs.
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 Business American Express Credit Card Rewards Calculator
Your potential monthly reward earnings are:
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: 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: 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: 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: 18.24% to 26.24% variable, which adjusts with the Prime rate
- Cash advance: 29.24% variable, which adjusts with the Prime rate
- Penalty: 28.99% 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: 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: Download the Amex Mobile App and enjoy the convenience of paying your bills on the go, anytime, anywhere.
- Mail: 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
U.S. Bank Triple Cash Rewards Visa® Business Card
Add to CompareFit 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:
Those wanting to earn up to 5% cash back on selected spending categories
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
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 $750 welcome offer when you meet the spending requirements, and pay $0 annual fees.
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.
Disclosure: All information about Amazon Business Prime American Express Card has been collected independently by Fit Small Business.
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 26.24% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
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.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
| Intro APR | 0% 9 billing cycles |
|---|---|
| Regular APR | 18.49% - 28.49% Variable APR on purchases |
| Annual Fee | $0.00 |
| Credit Needed | Excellent |
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.
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.
To see rates & fees for the American Express cards mentioned in this article, reference the following links below:
Amazon Business American Express Card
Amazon Business Prime American Express Card
