Editor’s note: This is a recurring post with regularly updated card details.
Amazon business credit cards are a great option for those who shop frequently at Amazon, as you can earn premium rewards on Amazon purchases and enjoy exclusive benefits. The important features that you need to consider include rewards, an interest-free financing period, the ability to build your credit, and the flexibility to exceed your credit limit. Our best Amazon business credit card recommendations come with a $0 annual fee to help you save on credit costs.
Here are the five best Amazon business credit cards:
- Amazon Business Prime American Express Card: Best for business owners with an Amazon Prime membership
- Amazon Business American Express Card: Best for business owners without an Amazon Prime membership
- Amazon Visa Card: Best for those who prefer a personal card and want to earn rewards
- Amazon Store Card: Best for those who shop on Amazon exclusively
- Amazon Secured Card: Best for those who want to build or improve their credit
Overview of the Best Amazon Business Credit Cards in 2024
Best For | Unique Rewards | ||
|---|---|---|---|
 Amazon Business Prime American Express Card | Business owners with Amazon Prime | Either 5% cash back or 90-day terms on US purchases at Whole Foods Market and on Amazon, Amazon Business, and Amazon Web Services (AWS) | |
 Amazon Business American Express Card | Business owners without an Amazon Prime membership | Either 3% cash back or 60-day financing on US purchases at Amazon Business, AWS, Amazon, and Whole Foods Market | |
 Amazon Visa Card | Those who prefer a personal card and want to earn rewards | Prime members: Up to 10% back on purchases made at Amazon.com Non-Prime members: Unlimited 3% cash back on Amazon.com purchases, Amazon Fresh, Whole Foods Market, and Chase Travel purchases | |
 Amazon Store Card | Those who shop on Amazon exclusively | Prime members: Earn 5% back on Amazon purchases | |
 Amazon Secured Card | Those who want to build or improve their credit | Prime members: 2% back on Amazon purchases | |
Notes:
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If you want to see how a credit card stacks up against others, click Add to Compare on the cards. Note that you can compare up to three credit cards on this page or a card here against others on our site.
Amazon Business Prime American Express Card: Best for Business Owners With Amazon Prime Membership
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Why We Like It
If you have a Prime membership, you can qualify for this card and earn premium rewards on up to $120,000 worth of Amazon purchases per calendar year or enjoy interest-free financing terms. It is also a great option to use if you travel abroad frequently because it charges $0 foreign transaction fees.
Ongoing Rewards
- 5% cash back or 90-day terms on US purchases at Whole Foods Market and on Amazon, Amazon Business, and AWS; if you select cash back rewards—the 5% cash back applies on the first $120,000 in purchases each calendar year, then 1% cash back after the cap is met
- 2% cash back on restaurants, gas stations, and wireless telephone services purchased directly from US service providers
- 1% cash back on all other purchases
Other Benefits
- $125 Amazon.com gift card upon card approval—no spending requirements
- Travel benefits, including car rental loss and damage insurance, access to Global Assist® hotline, baggage insurance plan
- Flexible redemption options—use rewards to shop with Amazon or as a statement credit
- $0 annual fee
As one of the top business cards for restaurant owners, it is a great option if you shop frequently at Whole Foods Market. To qualify, you need an Amazon Prime membership, which costs $139 per year.
Amazon Business American Express Card: Best for Business Owners Without an Amazon Prime Membership
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- You choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- You choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Why We Like It
This card is recommended for those who don’t have or are not planning to get an Amazon Prime membership. It allows you to choose between earning premium cash back or taking advantage of an interest-free financing period on US purchases on Amazon Business, AWS, Amazon, and Whole Foods Market.
Ongoing Rewards
- 3% cash back or 60-day terms on US purchases at Whole Foods Market and on Amazon, Amazon Business, and AWS; if you select cash back rewards, the 3% will apply on the first $120,000 in purchases each calendar year, then 1% cash back after the cap is reached
- 2% cash back on restaurants, gas stations, and wireless telephone services purchased directly from US service providers
- 1% cash back on all other purchases
Other Benefits
- $100 Amazon.com gift card upon card approval—no spending requirements
- $0 foreign transaction fee
- Travel benefits such as car rental loss and damage insurance, access to Global Assist® hotline, baggage insurance plan
- $0 annual fee
Amazon Visa Card: Best for Those Who Prefer a Personal Card and Want to Earn Rewards
Amazon Visa Card
BEST FOR:
Those who prefer a personal card wanting to earn rewards
Intro APR
Regular APR
19.49% to 27.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- Prime Rewards: 5% back at Amazon and Whole Foods Market 10% or more on a rotating selection of items and categories on Amazon.com 2% back on restaurants, gas stations, and local transit and commuting 1% back on all other purchases
- Non-Prime Rewards Unlimited 3% back on the following: - Amazon.com purchases - Amazon Fresh online (or in-store) - Whole Foods Market online (or in-store) - Chase Travel purchases Unlimited 2% back on the following: - Gas stations - Restaurants (dine in or take out) - Local transit and commute (including ride-sharing) Unlimited 1% on all other purchases
Pros
- Has rewards for new and existing cardholders
Cons
- Does not offer a 0% introductory period
- Has high penalty and cash advance interest rates
- Interest-free equal monthly payments: You can pay over time on purchases of $50 or more at Amazon.com by simply choosing “equal monthly payments” at checkout.
- Adding authorized users: You can add authorized users to maximize your rewards-earning potential at no cost.
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to your card.
- Baggage delay insurance: Get a reimbursement worth $100 a day for three days on essential purchases like toiletries and clothing for baggage delays with more than six hours by passenger carrier.
Intro APR
Regular APR
19.49% to 27.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- Prime Rewards: 5% back at Amazon and Whole Foods Market 10% or more on a rotating selection of items and categories on Amazon.com 2% back on restaurants, gas stations, and local transit and commuting 1% back on all other purchases
- Non-Prime Rewards Unlimited 3% back on the following: - Amazon.com purchases - Amazon Fresh online (or in-store) - Whole Foods Market online (or in-store) - Chase Travel purchases Unlimited 2% back on the following: - Gas stations - Restaurants (dine in or take out) - Local transit and commute (including ride-sharing) Unlimited 1% on all other purchases
Pros
- Has rewards for new and existing cardholders
Cons
- Does not offer a 0% introductory period
- Has high penalty and cash advance interest rates
- Interest-free equal monthly payments: You can pay over time on purchases of $50 or more at Amazon.com by simply choosing “equal monthly payments” at checkout.
- Adding authorized users: You can add authorized users to maximize your rewards-earning potential at no cost.
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to your card.
- Baggage delay insurance: Get a reimbursement worth $100 a day for three days on essential purchases like toiletries and clothing for baggage delays with more than six hours by passenger carrier.
Why We Like It
Issued by Chase, this personal credit card lets you earn premium rewards not only on Amazon purchases but also on travel and fuel expenses. Under Amazon Visa, you can also earn rewards depending on whether you have an Amazon Prime membership.
Ongoing Rewards
Prime Rewards | Non-Prime Rewards |
|---|---|
|
|
Other Benefits
- $100 Amazon Gift Card upon approval with an eligible Prime membership
- 0% promo APR This option is available only if you choose not to earn rewards on these purchases for 6 or 12 months on purchases of $50 or more at Amazon.com or at eligible retailers with Amazon Pay
- Additional protections, such as auto rental collision damage waiver, baggage delay insurance, extended warranty protection, lost luggage reimbursement, travel accident insurance, and purchase protection
- $0 annual and foreign transaction fees
Amazon Store Card: Best for Those Who Shop on Amazon Exclusively
Amazon Store Card
BEST FOR:
Those who exclusively shop on Amazon
Intro APR
Regular APR
29.99% variable
Annual Fee
None
Credit Needed
Fair to Excellent
- Those with a Prime membership can earn 5% back on purchases made at Amazon.com.
Pros
- Charges $0 annual fees
Cons
- You can only get rewards if you have Amazon Prime membership
- Equal monthly payments: You can pay equal monthly payments on Amazon.com at 0% APR with the following options:
- 6 equal monthly payments on purchases between $50 and $599.99
- 12 equal monthly payments on purchases of $600 and above
- 24 equal monthly payments on select purchases
- Special financing: This can be made available on purchases of at least $150. You can choose the following payment options:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 and more
- 24 months on select purchases
- Zero fraud liability: Amazon ensures you are protected from any fraudulent or unauthorized charges made with your card.
Intro APR
Regular APR
29.99% variable
Annual Fee
None
Credit Needed
Fair to Excellent
- Those with a Prime membership can earn 5% back on purchases made at Amazon.com.
Pros
- Charges $0 annual fees
Cons
- You can only get rewards if you have Amazon Prime membership
- Equal monthly payments: You can pay equal monthly payments on Amazon.com at 0% APR with the following options:
- 6 equal monthly payments on purchases between $50 and $599.99
- 12 equal monthly payments on purchases of $600 and above
- 24 equal monthly payments on select purchases
- Special financing: This can be made available on purchases of at least $150. You can choose the following payment options:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 and more
- 24 months on select purchases
- Zero fraud liability: Amazon ensures you are protected from any fraudulent or unauthorized charges made with your card.
Why We Like It
Issued by Symphony Bank, this Amazon business credit card is great if you plan to use this exclusively to shop at Amazon. It has $0 annual fees, and those with a Prime membership can earn 5% back on purchases made on Amazon.com.
Ongoing Rewards
- 5% back on Amazon purchases—exclusive for those with Prime membership You can still access promotional financing offers if you have no Prime membership, but you will not earn cash back rewards.
Other Benefits
- $10 Amazon Gift Card instantly upon approval
- 0% APR promo offer in equal monthly payments with the following options:
- 6 equal monthly payments on purchases between $50 and $599.99
- 12 equal monthly payments on purchases of $600 and above
- 24 equal monthly payments on select purchases
- Special financing options available on purchases of $150 or more:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 or more
- 24 months on select purchases
- Zero fraud liability for unauthorized purchases
Keep in mind that this card may be used only at Amazon stores and not at any other merchants.
Amazon Secured Card: Best for Those Who Want to Build or Improve Their Credit
Amazon Secured Card
BEST FOR:
Those who want to build their credit
Intro APR
Regular APR
10% for Secured Card; 29.99% variable for Store Card
Annual Fee
None
Credit Needed
Poor to Excellent
- Those with a Prime membership can earn 2% back on Amazon purchases
Pros
- Charges $0 annual fees
- Helps you build your credit
Cons
- Offers rewards only if you have an Amazon Prime membership
- Free credit tracking tools: You will have access to TransUnion CreditViewTM Dashboard to help you keep track of your credit score.
- Special financing: This can be made available on purchases of at least $150. You can choose the following payment options:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 and more
- 24 months on select purchases
- Zero fraud liability: Amazon ensures you are protected from any fraudulent or unauthorized charges made with your card.
Intro APR
Regular APR
10% for Secured Card; 29.99% variable for Store Card
Annual Fee
None
Credit Needed
Poor to Excellent
- Those with a Prime membership can earn 2% back on Amazon purchases
Pros
- Charges $0 annual fees
- Helps you build your credit
Cons
- Offers rewards only if you have an Amazon Prime membership
- Free credit tracking tools: You will have access to TransUnion CreditViewTM Dashboard to help you keep track of your credit score.
- Special financing: This can be made available on purchases of at least $150. You can choose the following payment options:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 and more
- 24 months on select purchases
- Zero fraud liability: Amazon ensures you are protected from any fraudulent or unauthorized charges made with your card.
Why We Like It
If you shop exclusively on Amazon and wish to build credit, then you may consider this card, which is also issued by Symphony Bank. Its payment activity is reported to major credit bureaus to help build your credit history. Once the application is approved, you are required to make a security deposit of $100 to $1,000 (in $50 increments). What’s more, it comes with a low ongoing APR, which is ideal if you plan to carry a balance from time to time.
Ongoing Rewards
- 2% back on Amazon purchases—exclusive to those with Prime membership
Other Benefits
- Access to TransUnion CreditViewTM Dashboard to help you keep track of your credit score
- Upgrade to an unsecured Amazon store card and get your security deposit back after 12 months of responsible use
- Low, fixed APR of 10%, which is lower than the other cards on this list
- $0 annual fee
Keep in mind that the card may only be used at Amazon stores. Also, while its ongoing APR is relatively low, it is non-variable, so it remains the same regardless of the Prime rate.
When choosing the best business credit cards for Amazon purchases, we considered the cards’ rewards, fees, and unique features. The cards featured in this guide have $0 annual fees, helping you save on credit costs. However, most of them require a Prime membership, which helps you take advantage of the high rewards rate.
Amazon Business Credit Cards Alternatives
One limitation of Amazon business credit cards is that the majority of the cards featured let you earn premium rewards if you frequently shop at Amazon. Also, most of them require a Prime membership. Consider the following alternative business credit cards if you are looking for a more flexible option.
American Express Blue Business® Plus
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- 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
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- 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.
Besides letting you earn 1x to 2x points on all purchases regardless of spending categories and merchants, this card features Expanded Buying Power, which allows you to spend over your credit limit. The amount you can spend adjusts based on your spending habits, payment history, credit score, and other financial factors. It offers 0% APR on purchases for the first 12 billing cycles.
Emburse Spend Card
 Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
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Spending Limit | Load Limit |
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Costs | |
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This business prepaid card is an excellent alternative for those who don’t want to incur debts. It lets you earn 1% cash back on all purchases and comes with a streamlined expense management system that allows you to set robust controls. Plus, it has $0 annual and monthly fees, making it essentially free to use.
American Express Blue Business Cash™
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
It offers 1% to 2% cash back on all purchases, which is automatically credited to your billing statement without the need for manual redemption. You can also spend over your credit limit through its Expanded Buying Power feature, and it comes with 0% APR on purchases for the first 12 billing cycles.
Frequently Asked Questions (FAQs)
Business Prime is Amazon’s annual membership program that provides business-specific features and benefits. You can sign up for a plan depending on the number of users you need:
Membership Plan | Annual Fee | Maximum Members |
|---|---|---|
Duo | Free with an Amazon Prime membership | 1 |
Essentials | $179 | 3 |
Small | $499 | 10 |
Medium | $1,299 | 100 |
Enterprise | $10,099 | Unlimited |
You can use your Amazon Store Card in these stores and on these sites:
- Amazon.com (Retail and Marketplace)
- Amazon Business
- Amazon Prime membership
- Amazon Go
- AWS
- Audible
- Alexa Skills
- Amazon Pay
- Amazon Fresh
- Audible.com
- Hoot.com
- Comixology.com
No, as the Store Card features are already included in the terms of your Amazon Secured Card account. After 12 months, Synchrony Bank will determine if you’re eligible to convert to the Store Card features of the account. Note that if you opt-in and convert to the Store Card features, the Secured Card features will be permanently disabled.
Bottom Line
The best Amazon credit cards earn top rewards that you can redeem for Amazon purchases easily. They typically come with welcome offers like free gift cards, while others have a 0% APR period. If you’re only an occasional Amazon shopper, you may be better off with a non-Amazon branded card like one of those we recommended as alternatives.
