Amazon Business Prime American Express Card Review 2019

The Amazon Business Prime American Express Card is best for businesses owners with Amazon Prime memberships and shop at Amazon businesses frequently. Cardholders can earn 5% back on purchases at Amazon and pay as little as a 15.74% annual percentage rate (APR) to finance purchases. Upon approval, you will receive a $125 Amazon.com gift card. 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.

The best small business credit cards offer introductory rewards up to $1,000 and provide up to 5% back on eligible purchases. The Amazon Business Prime American Express Card’s ongoing rewards of 5% back are the highest among the best credit cards for Amazon purchases. It also provides cardholders with American Express’ invaluable travel perks and insurances. We give it 4 stars out of 5 stars.

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How We Evaluated the Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card offers the highest ongoing rewards ― 5% back or 90-day terms ― for Amazon purchases among small business credit cards. This American Express business credit card has no annual fee, and the ongoing APR starts at 15.74%.

Based on the wants and needs of business owners, we considered the following criteria:

• Ongoing rewards: The ongoing rewards you can earn by using a credit card; the Amazon Business Prime American Express Card offers 5% back or 90-day free financing on purchases at Amazon businesses
• Introductory rewards: The introductory bonus you can earn upon approval or by meeting a minimum spend within the first few months; the Amazon Business Prime American Express Card offers a $125 Amazon.com 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.
• Annual fee: How much American Express charges for card ownership every year; the Amazon Business Prime American Express Card has no annual fee
• Additional benefits: Any additional features or benefits that come with the card that make it more valuable; the Amazon Business Prime American Express Card offers enhanced data views, purchase and return protection, extended warranty, and several travel coverages
• Intro APR: Whether the card offers an introductory no-interest period on purchases or balance transfers; this American Express business credit card doesn’t offer a no-interest period; although, Amazon Prime members can opt-in for 90-days free financing on eligible purchases
• Ongoing APR: The cost of financing purchases on your business credit card; the Amazon Business Prime American Express Card has an APR between 15.74% and 23.74%, which fluctuates with the prime rate

The Amazon Business Prime American Express Card offers the best possible ongoing rewards compared to other Amazon business rewards credit cards. However, its introductory offer worth $125 falls short of other small business credit cards, such as the Capital One® Spark® Cash for Business.

How We Evaluate Points Rewards Business Credit Cards

When grading points rewards business credit cards like the Amazon Business Prime American Express Card, we weight ongoing and introductory rewards heaviest. We also took into account the annual fee, introductory and ongoing APRs and additional card benefits. This Amazon business credit card offers introductory rewards match well with competitors.

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

Based on our five-star rating system where 20 points equals one star, the Amazon Business Prime American Express Card would need to improve its introductory rewards to earn 4 1/2 stars. In cases where cards receive perfect scores in most categories, we may award bonus points to boost the card’s rating.

The Amazon Business Prime American Express Card is one of the best credit cards for Amazon-related purchases. If you don’t have an Amazon Prime account and frequently shop at Amazon.com, a good card option would be the Amazon Business American Express Card. It offers 3% back and 60-day free financing terms (see rates & fees).

Who the Amazon Business Prime American Express Card Is Right For

The Amazon Business Prime American Express Card is right for businesses that primarily shop at Amazon-owned companies and are current Amazon Prime members. Cardholders will earn 5% back or 90-day no-interest financing on United States purchases at Amazon.com, Whole Foods Market, Amazon Business, and Amazon Web Services (AWS). No other small business credit cards match these rewards on Amazon-related spending.

This Amazon business credit card is an excellent option for Amazon Prime members because it offers the highest rewards you can earn at Amazon.com at 5% back. However, Amazon has other cards for business owners who do not have a Prime membership. If you don’t have an Amazon Prime account, consider opening the Amazon Business American Express Card.

Amazon Business Prime American Express Card Costs

The Amazon Business Prime American Express Card carries no annual fee and has an ongoing APR between 15.74% and 23.74%. Additionally, this American Express business credit card has no foreign transaction fees and charges at least $5 for cash advances.

The costs on the Amazon Business Prime American Express Card are:

• Introductory APR: None
• Ongoing APR: 15.74% and 23.74%, which fluctuates with the prime rate
• Annual fee: No annual fee
• Balance transfer fee: Transfers are not allowed
• Foreign transaction fee: None
• Cash advance fee: $5 or 3%, whichever is greater at an APR of 26.49%
• Late payment fee: up to $39
• Returned payment fee: $39
• Penalty APR: 29.99% after the first late payment, until 12 consecutive payments have been made on time with no returns

Other small business credit cards that are good options for Amazon-related purchases may be more expensive. For example, both the Capital One® Spark® Miles for Business and Capital One® Spark® Cash for Business credit cards carry an annual fee of $95 and have a variable ongoing APR about three percentage points higher. However, Capital One waives the annual fee during the first year.

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

To avoid paying interest on the Amazon Business Prime American Express Card, cardholders must pay their entire credit card balance within 25 days of the date the bill was issued. Both the Capital One® Spark® Miles for Business and Capital One® Spark® Cash for Business have an identical 25-day window. However, some credit cards have shorter windows like the Chase Ink Business Unlimited^SM, which is required to be paid 20 days after the billing cycle closes.

Amazon Business Prime American Express Card Rewards

The Amazon Business Prime American Express Card offers the best rewards among any small business credit card for Amazon-related purchases. Cardholders can earn 5% back or 90-day terms on purchase at Amazon-owned businesses. Upon approval, you will receive a $125 Amazon gift card.

Introductory Rewards

You will earn a $125 Amazon gift card upon approval when using your card. 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.

One of the major downsides to this American Express business credit card is that it doesn’t offer a substantial introductory reward. If you’re on the hunt for a small business credit card that offers a more robust introductory offer, consider the Chase Ink Business Unlimited^SM. You can earn a $500 cash bonus after spending $3,000 within three months.

Ongoing Rewards

You will earn the following ongoing rewards when using your cash-back business credit card:

• 5% back or 90-day terms on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership
• 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

The Amazon Business Prime American Express Card offers the best ongoing rewards for Amazon-related purchases compared to any other small business credit card. For example, the Capital One® Spark® Cash for Business card only offers 2% back on any spending category and the Capital One® Spark® Miles for Business offers only unlimited 2x miles per $1 on every purchase for your business.

Rewards Restrictions

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

• Interest charges or any card fees
• Cash advances
• Traveler checks
• Gift cards or gift certificates
• Purchases of other cash-like transactions not made at designated Amazon properties

Rewards earned while using the Amazon Business Prime American Express Card are awarded in the form of points. The redemption value of Amazon rewards points are $1 for every 100 points. Rewards restrictions here are common across small business credit cards.

How You Can Redeem Your Rewards

The two primary ways you can redeem your Amazon Business Prime American Express Card rewards are:

• Purchases from Amazon.com: Once you’ve earned reward points and they reflect in your account, you can use them for eligible Amazon purchases; you can also use points to shop at Amazon.com/Business.
• Charges on your statement: If you don’t want to shop on Amazon, you can use your rewards points toward a charge on your statement

Keep in mind that rewards are tracked as points and every 100 points is equal to $1. Rewards points don’t expire as long as you maintain an active account. Although, you can lose your points if your account status changes or you have a payment default, such as when payment isn’t made on time or is returned.

Amazon Business Prime American Express Card Features

Similar to other American Express business credit cards, the Amazon Business Prime American Express Card offers benefits that can value in the thousands of dollars every year. Such features include a roadside assistance hotline, purchase and return protection, enhanced data views, account management tools, and more.

Roadside Assistance Hotline

Amazon Business Prime American Express Card owners can call a roadside assistance hotline in case of an emergency. This is a free hotline that can send out a tow truck or assist with lockout services. Cardholders, however, will be responsible for any charges for services ordered from the hotline.

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

The roadside assistance hotline can send out assistance for the following services:

• Towing
• Winching
• Jump starts
• Flat tire change
• Lockout services
• Delivery of up to two gallons of fuel

Although the Amazon Business Prime American Express Card doesn’t cover the fees of these services, there are other premium small business credit cards that do. The American Express Business Platinum Card®, for example, offers these services and up to 10 miles of towing at no additional cost.

What the Amazon Business Prime American Express Card Roadside Assistance Hotline Excludes

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

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

Overall, small business credit cards that offer roadside assistance generally exclude the same types of vehicles. For instance, exclusions on the American Express Business Platinum Card® are identical.

Purchase Protection

The Amazon Business Prime American Express Card provides purchase protection coverage up to $1,000 per eligible item and up to $50,000 per calendar year. Eligible items include purchased items that have been damaged or stolen within 120 days of the purchase date, which is 90 days for New York residents.

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

The Amazon Business Prime American Express Card covers purchased items only if they were damaged or stolen within 120 days of the purchase date, and they were purchased entirely using your credit card. In comparison, both the Capital One® Spark® Miles for Business and Capital One® Spark® Cash for Business provide purchase security within the first 90 days of purchase. Capital One will replace, repair, or reimburse items in the event of theft or damage.

What the Amazon Business Prime American Express Card Purchase Protection Excludes

Purchase protection does not cover the following types of purchases:

• Consumable or perishable items
• Stolen or damaged articles in a pair
• Traveler’s checks, tickets of any kind, negotiable instruments, cash or its equivalent
• Rare stamps or coins
• Animals or living plants
• One-of-a-kind and previously owned items
• Motorized vehicles and their parts like scooters, golf carts, watercraft, aircraft, and motorcycles
• Rented or leased items
• Permanent household fixtures
• Items for inventory

In comparison to American Express, Capital One offers a more substantial coverage on purchased items. The Capital One® Spark® Miles for Business and Capital One® Spark® Cash for Business both offer coverage up to $10,000 per item and up to $50,000 per year. Exclusions here are similar among small business credit cards.

Return Protection

If you purchase an item using the Amazon Business Prime American Express Card and can’t return it within 90 days from the purchase date, American Express will provide return protection coverage. American Express may refund the full price of the purchased item up to $300 per item and up to $1,000 per year, excluding shipping and handling charges.

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

With the Amazon Business Prime American Express Card, your purchased items will be covered if they’re in their original condition and the store won’t accept the return within 90 days from the purchase date. Return protection, however, is not a common benefit across small business credit cards.

What the Amazon Business Prime American Express Card Return Protection Excludes

American Express doesn’t provide refunds on the following items:

• Animals and living plants
• One-of-a-kind items, going-out-of-business sale items, and limited edition items
• Consumable or perishable items, including food, perfume, light bulbs, and batteries
• Jewelry, including loose gems, precious stones, metals, and pearls
• Watches
• Services and additional costs, including installation charges, warranties, shipping, handling, or memberships
• Rare coins
• Purchased used items, including purchases at auction sites and second-hand stores
• Custom-built items
• Computer software, compact discs, digital videos discs, mini discs, audio tapes, and videotapes
• Maps, books, and magazines
• Health care items, medical equipment, and personal hygiene items
• Tickets of any kind
• Formal wear
• Motorized vehicles and their parts and accessories
• Land, buildings, and fixtures
• Firearms and ammunition
• Negotiable instruments

American Express is one-of-a-kind in this category, as most small business credit cards don’t offer return protection and instead only offer purchase protection. However, among American Express business credit cards, exclusions here are identical.

Extended Warranty Protection

American Express offers extended warranties on purchased items that have original manufacturer’s warranties of five years or less or up to $10,000 per item and $50,000 per account. Amazon Business Prime American Express Card owners can get an additional two years to their warranty if the original warranty was between two and five years or American Express will match the warranty if it’s less than two years long.

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

American express covers purchased items with an original manufacturer warranty of five years or less when you pay entirely with your Amazon Business Prime American Express Card. In comparison, the Chase Ink Business Unlimited^SM only provides coverage on warranties that are three years or less.

What the Amazon Business Prime American Express Card Extended Warranty Protection Excludes

The following purchases are not covered by extended warranty protection:

• Products covered by an unconditional satisfaction guarantee
• Living plants or animals
• Consumable or perishable items
• Motorized vehicles, including passenger cars, trucks, motorcycles, boats, and airplanes and their parts
• Motorized devices used for agriculture, landscaping, demolition or construction
• Business fixtures, including air conditioners, refrigerators, heaters and/or any item that can’t be removed without causing damage to the structure
• Land or buildings
• More than one article in a pair
• Items purchased for use as inventory

Although the Amazon Business Prime American Express Card offers a larger window of additional warranty coverage compared to the Chase Ink Business Unlimited^SM, exclusions here are common among both business credit cards.

Travel Accident Insurance

The Amazon Business Prime American Express Card offers travel accident insurance coverages up to $100,000. Your trips will only be covered if the entire trip fare is charged to your American Express business credit card.

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

If you die or lose a limb, sight, speech, or hearing in association with any travel fares paid entirely with the Amazon Business Prime American Express Card, you’re eligible for coverage up to $100,000. If your business wants more coverage, consider a premium American Express card like the American Express® Business Platinum Card, which covers up to $500,000.

What the Amazon Business Prime American Express Card Travel Accident Insurance Excludes

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

• War or acts of war, participation in a felony, riot, civil disturbance, or protest
• Any attempt of self-inflicted injury or suicide
• Injury received while serving as an operator or crew member
• Injuries from driving or riding as a passenger in a rental or personal vehicle
• Injuries from commuting
• Sickness, physical or mental infirmity, or pregnancy
• Stroke or cerebrovascular accident, cardiovascular accident, myocardial infarction or heart attack
• Coronary thrombosis, aneurysm, or deep vein thrombosis.

Most small business credit cards that offer travel accident insurance, like the Amazon Business Prime American Express Card, cover the same basic losses like losing a limb, sight, speech, or hearing. Additionally, exclusions of this insurance coverage are generally the same across small business credit cards.

Baggage Insurance Plan

American Express provides baggage insurance coverage between $250 to $1,250 for carry-on baggage, checked baggage, and high-risk items. You can tap into this coverage as long as you paid the entire trip fare using the Amazon Business Prime American Express Card.

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

The following items are covered through the baggage insurance plan:

• Up to $1,250 for luggage lost in direct transit to a common carrier’s terminal
• Up to $1,250 for lost carry-on luggage
• Up to $500 for lost checked luggage
• Up to $250 for lost high-risk items like jewelry, sporting equipment, and electronic equipment

What the Amazon Business Prime American Express Card Baggage Insurance Plan Excludes

The following items are not covered by the baggage insurance plan:

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

Baggage insurance protection is an additional travel perk that’s offered across all American Express business credit cards. On these small business credit cards, exclusions are generally identical. Compared to competitors, American Express ranks best in this category.

Car Rental Loss and Damage Insurance

By using the Amazon Business Prime American Express Card, cardholders will tap into car rental loss and damage insurance up to $50,000 per rental agreement. It’s important to note that this coverage is only good for the first 30 consecutive days of a car rental agreement.

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

The lesser of the following is covered by this insurance package:

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

In comparison, the Chase Ink Business Unlimited^SM covers rentals up to 31 consecutive days compared to the 30 days of coverage American Express provides. Additionally, Chase may reimburse up to how much the vehicle is worth.

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

The following losses are not covered by this insurance package:

• Intentional damage
• Damage that occurred outside the rental period
• Manufacturing defects
• Confiscation by authority
• Normal wear and tear
• Damages caused by freezing
• Mechanical or electrical breakdown or failure
• Theft or damage to unlocked or not secured rental cars; theft of or damage to tires
• Damage to any vehicle other than the rental car
• Damage to any property other than the rental car

American Express sets the monetary cap for their car rental insurance at $50,000, whereas the Chase Ink Business Unlimited^SM may reimburse cardholders up to the actual cash value of the car. Besides this difference, the policies are similar, including the list of exclusions that apply.

Global Assist Hotline

If you decide to travel more than 100 miles from home, you’ll have access to a 24-hour global assist hotline through the Amazon Business Prime American Express Card. The American Express global assist hotline links cardholders to travel, emergency, medical, and legal assistance.

Services Amazon Business Prime American Express Card Provides

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

• Interpretation and translation assistance
• Lost baggage search
• Passport and travel document help
• Credit card cancellation
• Deliver message to family members or friends 24 hours a day

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

• Provides a database of physicians and dentists nearby
• Coordinates prescription transfers from your pharmacy
• Medical care monitoring while on your trip
• Medical transportation help
• Find bail bond agencies that take your American Express business credit card
• Refers cardholders to English-speaking lawyers and embassies

American Express’ global hotline is one of a kind when compared to other small business credit cards. For example, the Capital One® Spark® Cash for Business, Capital One® Spark® Miles for Business, and Chase Ink Business Unlimited^SM don’t offer a dispatch.

Account Management Tools

By using the Amazon Business Prime American Express Card, business owners and their employees will have access to American Express-branded account management tools. American Express provides mobile device apps and desktop account managers that allow account holders to take control of their money and employee spending. Additionally, you can connect your American Express account to QuickBooks to have transactions transferred automatically.

The Amazon Business Prime American Express Card account management tools are:

• Mobile device apps: Allows business owners to manage their card accounts and perform several actions, such as paying their bills, setting employee spend limits, and viewing their balances; employees can also use the mobile app to upload photos of their receipts
• Desktop account managers: Gives account holders the ability to manage their account and employee cards right from their desktop; they can pay their bills, flag transactions, and set employee card restrictions
• QuickBooks connection: Account holders can connect their American Express accounts to QuickBooks to have their transaction data transferred over automatically

Most small business credit cards offer some sort of account management tools for account holders and employees.

Amazon Business Enhanced Data Views

When you make purchases using the Amazon Business Prime American Express Card, Amazon will collect and share transaction data with American Express. As a result, American Express can provide item-level purchase detail on your credit card statement. This can help identify exactly where your company’s funds are being spent most and address any unusual charges.

When you purchase an item on the Amazon Business Prime American Express Card, Amazon collects and shares transaction data with American Express to provide purchase details. This is a unique additional feature that’s only offered on this card and the Amazon Business American Express Card.

American Express Expert Customer Service

By calling the number on the back of your Amazon Business Prime American Express Card, you can reach an American Express Customer Care Professional. They are specially trained to provide you with business-savvy support as they’re trained to understand the needs of a business owner. American Express is committed to helping their cardholders unlock the power of their cards. This feature is provided on most American Express business credit cards, which can increase the card’s perceived value.

Adding Amazon Business Prime American Express Card Employee Cards

There is no additional cost to issue employee cards on the Amazon Business Prime American Express Card. Most small business credit cards on the market don’t charge for additional employee cards, even if the primary card carries an annual fee. Employee cards are an excellent and handy way to give employees the ability to use company funds for business-related purchases.

What the Amazon Business Prime American Express Card is Missing

The Amazon Business Prime American Express Card doesn’t have an introductory 0% APR period and isn’t a good card for carrying a balance. Although cardholders can opt-in to 90-day terms, some of the best small business credit cards offer 0% APR for the first 15 months. If you need to carry a balance, consider a card like the Chase Ink Business Unlimited^SM, which offers 0% APR for 12 months on purchases.

Amazon Business Prime American Express Card Reviews

We sourced the web for Amazon Business Prime American Express Card user reviews and found reviews to be both positive and negative. Positive user reviews suggest the application process is extremely easy, and they received instant approval. However, there are negative reviews that mention users are disappointed with the low credit limit ― $500 ― they received.

How to Apply for the Amazon Business Prime American Express Card

You can apply for a business card on Amazon.com. After providing your basic business and personal information, you will usually receive an instant approval response. Once you’ve been approved, you will receive your card in the mail within seven to 10 days.

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

You can log in to your Amazon Business Prime American Express Card account online by providing your user login ID and password. If you need help, you can reach out to American Express business credit card customer service through its website or call 800-492-3344.

Other American Express Business Credit Cards

American Express has several small business credit cards to choose from for all kinds of business spending needs. American Express offers both cash back and 0% APR cards, which come with various introductory and ongoing rewards, interest rate, and potential annual fees.

The other American Express business credit cards are:

• American Express Business Platinum Card®: Best for business owners who do a ton of travel and want to earn some of the best travel rewards; with this card, cardholders will receive additional premium American Express travel benefits and account management tools
• American Express® Business Gold Card: Best for business owners that want to maximize their rewards on the two categories they spend the most in every month; cardholders will also receive American Express travel features and account management tools
• The Plum Card® from American Express: Best for businesses that want to have payment flexibility to help meet their business spending needs; additionally, it’s only a good option for businesses that know they can repay the balance in full monthly because it acts as a charge card
• American Express Blue Business® Plus Credit Card: Best for businesses that want to maximize their rewards and earn travel points on all of their purchases; cardholders will receive additional travel benefits and account management tools
• Hilton Honors American Express Business Credit Card: Best for business owners who primarily stay at Hilton hotels; you will receive a complimentary Hilton Honors membership status in addition to other American Express travel benefits
• Marriott Bonvoy Business^TM American Express® Card: Best for businesses that primarily stay at hotels within the Marriott Bonvoy portfolio; you can earn Marriott Bonvoy points and receive a complimentary membership status
• American Express Delta Reserve® for Business Credit Card: Best for businesses that do all of their flying with Delta Airlines; you can earn Delta SkyMiles and have access to several Delta Sky Clubs
• American Express Platinum Delta SkyMiles® Business Credit Card: Another excellent option for businesses that primarily fly with Delta and want access to both Delta and American Express travel perks
• American Express Gold Delta SkyMiles® Business Credit Card: Another good option for business owners who do most of their flying with Delta Airlines; you can earn Delta SkyMiles and redeem your points for flights
• Amazon Business American Express Card: Best for business owners who are not yet Amazon Prime members; you can earn rewards on purchases at Amazon-owned businesses
• American Express Business Green Rewards Card: Best for businesses that experience low annual spends; cardholders can earn points rears for purchases related to American Express travel
• American Express Lowe’s Business Credit Card: Best for businesses that are seeking rewards on Lowe’s-related purchases and in-store discounts; an excellent option if you frequently shop at Lowe’s

Alternatives to the Amazon Business Prime American Express Card

Some business owners may find that the Amazon Business Prime American Express Card isn’t right for their spending needs. If that’s the case for your business, consider other credit cards that may offer more widespread rewards and favorable terms.

3 Alternatives to the Amazon Business Prime American Express Card

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.