Amazon Business Prime American Express Card Review for 2023
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This article is part of a larger series on Best Small Business Credit Cards.
The Amazon Business Prime American Express Card is designed for business owners with an Amazon Prime membership. It doesn’t charge annual and international transaction fees but doesn’t allow balance transfer transactions. Amazon Prime members can enjoy several perks, including 5% back or 90-day interest-free terms on United States purchases at Whole Foods Market and on Amazon, Amazon Business, and Amazon Web Services (AWS).
If you wish to compare one card over another, simply 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 Prime 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:
5% back or 90-day repayment terms
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will 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
- $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
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory 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.
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will 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
- $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
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory 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.
When grading points rewards business credit cards like the Amazon Business Prime American Express Card, we first consider the ongoing and introductory rewards. We also take into account the annual fee, introductory and ongoing annual percentage rates (APRs), and additional card benefits.
| Grading Criteria | ||
|---|---|---|
Ongoing Rewards | 26 | |
Introductory Rewards | 12 | |
Annual Fee | 15 | |
Features | 15 | |
Introductory APR | 0 | |
Ongoing APR | 10 | |
| Total Score | 78 |
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 Prime American Express Credit Card Is Best For
- Business owners with an Amazon Prime membership: It’s a great choice for business owners who are Amazon Prime members because of the exclusive perks of the popular service. The card offers 5% back or 90-day free financing on US purchases made at Whole Foods Market and on Amazon, Amazon Business, and AWS.
The Amazon Business Prime American Express Card is our overall best Amazon business credit card. However, if this card doesn’t fit your needs, check out our recommended alternatives below.
Amazon Business Prime American Express Card Fees
APR
- Ongoing: 19.24% to 27.24% variable, which adjusts with the prime rate
- Cash advance: 29.99% 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 do one of the following:
- Make a returned payment
- Make two late payments within the past 12 months
- Don’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 on the Amazon Business Prime 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. Note that credit and debit cards cannot be accepted as a form of payment.
- AutoPay: Enroll in AutoPay through your American Express online account. Your first AutoPay payment may not be applied to your current billing cycle, so you’ll need to make your usual payments through a different method until your AutoPay begins.
- Amex Mobile App: Download the iOS or Android Amex Mobile App to enjoy the convenience of paying your bills on the go, anytime, anywhere.
- 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 indicate the amount you’d like to pay every month.
- Mail: You can send your payment either by check or money order made payable to American Express. 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 Prime American Express Credit Card Rewards
- $125 Amazon.com gift card upon card approval with an eligible Prime membership
- 5% back or 90-day terms on US purchases at Whole Foods Market and on Amazon, Amazon Business, and AWS. If you choose to earn rewards, the 5% back will apply on the first $120,000 in purchases each calendar year, then earn 1% back thereafter
- 2% back at US restaurants and gas stations and on wireless telephone services purchased directly from US service providers
- 1% back on all other purchases
You can redeem your rewards for eligible Amazon purchases or use points to shop at Amazon.com/Business. You can also use your rewards points as a statement credit. While points don’t expire, you can lose them if your account status changes or you have a payment default.
Amazon Business Prime American Express Credit Card Additional Features
Protection Coverage
- Return protection: The 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 the Amazon Business Prime American Express Credit Card, you’re covered with baggage insurance up to $1,250 per person for carry-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 in a covered territory during the rental period.
- Purchase protection: When you use your card to pay for an eligible purchase, the item is protected for up to 90 days from the date of purchase. You’ll receive up to $1,000 coverage per purchase, up to a maximum of $50,000 per calendar year.
Cash Management
- Amazon Business Enhanced Data Views: When you purchase an item with this card, Amazon collects and shares transaction data with American Express to provide purchase details on your credit card statement. This helps you identify where exactly your company’s funds are being spent and address any unusual charges.
- Amazon Shop With Points: This card allows you to earn rewards that don’t expire and use them to shop with Amazon. You can use your points rewards to pay for your purchases upon checkout on Amazon.com and US Amazon Business or apply them toward a purchase on your statement.
Amazon Business Prime American Express Credit Card Alternatives
Amazon Business American Express Card
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
19.24% - 27.24% 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
19.24% - 27.24% 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
- Amazon Business American Express Card is a good alternative if you don’t have a Prime membership but typically make purchases at Amazon-owned companies
- Offers a $100 Amazon.com gift card upon approval
- Lets you earn 3% back or enjoy a 60-day term on US purchases at Amazon companies
- Is one of our leading business credit cards for Amazon purchases, just like the Amazon Business Prime American Express Credit Card
Chase Ink Business Cash®
Ink Business Cash® 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:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
17.99% - 23.99% 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 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 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.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- 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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
17.99% - 23.99% 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 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 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.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- 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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
- Chase Ink Business Cash® is an excellent alternative for office-based businesses that spend on office supplies, internet, cable, and phone services
- Lets you earn 5% cash back on the first $25,000 spent in combined purchases on the above-mentioned categories
- Has no annual fee
- Offers 0% APR on purchases for the first 12 months
- Allows balance transfer transactions
- Is our top choice for the best credit cards for nonprofits
If you think this Chase card isn’t for you, you can check on the best Chase business cards.
Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
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:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- $100 credit for Global Entry or TSA Pre✓
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
N/A
Regular APR
25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- $100 credit for Global Entry or TSA Pre✓
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Capital One® Spark® Miles for Business is a great option if you travel frequently and prefer to earn fixed-rate rewards on all purchases
- Offers unlimited 2x miles on all purchases, regardless of spending categories
- Allows you to redeem your miles for flights, hotels, and vacation packages.
- Charges a low annual fee of $95, which is waived for the first year
- Is one of our leading business credit cards for miles and top business credit cards for travel
If you want to see other credit cards from the provider, see our roundup of the best Capital One business credit cards.
To find other options, read our guide to the best small business credit cards. If you want to see other cards from American Express, check out our list of the best American Express business credit cards.
Bottom Line
The Amazon Business Prime American Express Card is designed exclusively for business owners who are Amazon Prime members and shop frequently at Amazon-owned businesses. While it doesn’t charge an annual fee, you’ll need to pay for Prime membership of $139 per year. Keep in mind that this card doesn’t allow balance transfers and that its 90-day term offer on select purchases is shorter compared to the 0% introductory APR period of most other business credit cards.
