Best Amazon Business Credit Cards for 2023
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
The best Amazon credit cards for business provide either cash back or expanded buying power. You can choose from cards offering rewards or an interest-free financing period, the ability to build your credit, and the flexibility to exceed your credit limit. The best Amazon business credit card for you will depend on your business needs and preferences.
Here are the six 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 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 in Amazon exclusively
- Amazon Secured Card: Best for those who want to build their credit
- American Express Blue Business® Plus: Best for frequent Amazon shoppers and the flexibility to exceed your credit limit
Overview of the Best Amazon Business Credit Cards 2023
Best For | Unique Rewards | ||
---|---|---|---|
Amazon Business Prime American Express Card | Business owners with Amazon Prime | Either 5% cash back or 90-day terms on United States purchases at Whole Foods Market and on Amazon, Amazon Business, and Amazon Web Services (AWS) | |
Amazon Business American Express Card | Business owners without 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 who want to earn rewards | Prime members: 5% back on purchases made at Amazon and Whole Foods Market Non-Prime members: 3% cash back on Amazon.com purchases, Amazon Fresh online (or in-store), Whole Foods Market (or in-store), and Chase Travel purchases | |
Amazon Store Card | Those who exclusively shop on Amazon | Prime members: Earn 5% back on purchases made on Amazon.com | |
Amazon Secured Card | Those who want to build their credit | Prime members: 2% back on Amazon purchases | |
American Express Blue Business® Plus | Frequent Amazon shoppers and the flexibility to exceed your credit limit | 2x points on the first $50,000 in purchases each year, then 1x point when the $50,000 is capped |
There are a variety of credit cards best suited for those who shop on Amazon frequently. These can come with cash back rewards, interest-free financing, and unique features. The best Amazon credit card for your business depends on your spending needs, rewards preference, budget, and interest-free financing needs.
1. Preferred Rewards
Cash back rewards will help maximize your business spending, especially if most of your purchases are from Amazon. If you want Amazon-specific rewards, you may consider getting the following:
- Amazon Business Prime American Express Card
- Amazon Business American Express Card
- Amazon Visa Card
- Amazon Store Card
- Amazon Secured Card
If you want fixed-rate rewards regardless of spending categories, you may consider getting the American Express Blue Business® Plus.
2. Interest-free Financing
Interest-free financing is important, especially if you plan to make large purchases. Consider getting the American Express Blue Business® Plus, which offers 0% introductory APR on purchases for the first 12 months after card ownership.
3. Unique Features
Out of the six credit cards, the American Express Blue Business® Plus offers expanded buying power, which lets you spend beyond your credit limit. Do note, however, that the amount that you can spend will depend on your credit score, financial resources, payment history, and card usage.
4. Rebuilding Credit
Rebuilding credit is essential if you wish to be qualified for an unsecured credit card. The Amazon Secured Card, issued by Symphony Bank, can help you rebuild credit and maximize your purchases by earning rewards when making purchases at Amazon.
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
- 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.
- 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.
Who Should Consider the Amazon Business Prime American Express Card
This is best for business owners with an Amazon Prime membership. It gives you the option to choose between a financing option or cash back for each calendar year.
Rewards:
- Choose between 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% will apply on the first $120,000 in purchases each calendar year, then 1% cash back if 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
- Sign-up bonus: It offers a $125 Amazon.com gift card upon card approval.
- Baggage insurance plan: You are covered with baggage insurance of up to $1,250 per person for carry-on bags and up to $500 per person for checked bags after using the card.
- Car rental loss and damage insurance: American Express can cover up to $50,000 per car rental agreement for damages to or theft of a rental car in a covered territory during the rental period.
- Amazon Shop With Points: Allows you to earn rewards that don’t expire and use them to shop on Amazon.
Important Considerations:
- It requires you to have an Amazon Prime membership, which costs $139 per year.
- Compared to most business credit cards, it offers a short financing period and is only applicable to Amazon purchases.
Amazon Business American Express Card: Best for Business Owners Without Amazon Prime Membership
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
- 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 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: 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
- 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 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: 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
Who Should Consider the Amazon Business American Express Card
This is viable if you make business purchases primarily on Amazon but do not have an Amazon Prime membership. Similar to the Amazon Business Prime American Express Card, it allows you to choose between cash back or a financing period on US purchases on Amazon Business, AWS, Amazon, and Whole Foods Market.
Rewards:
- Choose between 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 5% will apply on the first $120,000 in purchases each calendar year, then 1% cash back if 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
- Welcome offer: It offers a $100 Amazon.com gift card upon card approval.
- Baggage insurance plan: You are covered with baggage insurance of up to $1,250 per person for carry-on bags and up to $500 per person for checked bags after using the card.
- Car rental loss and damage insurance: American Express can cover up to $50,000 per car rental agreement for damages to or theft of a rental car in a covered territory during the rental period.
- Amazon Shop With Points: This enables you to earn rewards that don’t expire and use them to shop on Amazon.
Important Considerations:
- Compared to most business credit cards, it offers a short financing period and is only applicable to Amazon purchases.
- It does not allow balance transfers.
Amazon Visa Card: Best for Those Who Prefer a Personal Card and Want to Earn Rewards
- 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.
- 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.
Who Should Consider the Amazon Visa Card
It is a good option if you are a frequent Amazon shopper and prefer a personal card that allows you to earn rewards. Under Amazon Visa, you can also earn rewards depending on whether you have an Amazon Prime membership. Note that Amazon Visa Card is issued by Chase Bank.
Prime Rewards:
- 5% back at Amazon and Whole Foods Market
- 10% back 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
- Sign-up bonus: Receive a sign-up bonus of $60 Amazon Gift Card upon card approval.
- Interest-free equal monthly payments: You can pay over time on purchases of $50 or more on 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 (3) days on essential purchases like toiletries and clothing for baggage delays of over 6 hours by passenger carrier.
Important consideration: You can only enjoy the premium rewards if you have Amazon Prime, which requires you to pay $139 per year.
Amazon Store Card: Best for Those Who Shop Exclusively at Amazon
- Those with a Prime membership can earn 5% back on purchases made at Amazon.com.
Pros
- Does not charge 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.
- Those with a Prime membership can earn 5% back on purchases made at Amazon.com.
Pros
- Does not charge 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.
Who Should Consider the Amazon Store Card
This card, which is issued by Symphony Bank, is great if you exclusively shop on Amazon. It does not charge annual fees, and those with a Prime membership can earn 5% back on purchases made on Amazon.com.
- Sign-up bonus: Receive a $60 Amazon Gift Card upon card approval.
- Zero fraud liability: Amazon ensures you are protected from any fraudulent or unauthorized charges made with your card.
- 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
Important Considerations:
- You can only use this card on purchases made on Amazon.
- Only those with Prime membership can earn 5% back rewards on eligible Amazon purchases.
Amazon Secured Card: Best for Those Who Want to Build Their Credit
- Those with a Prime membership can earn 2% back on Amazon purchases
Pros
- Does not charge annual fees
- You can build your credit when using this card
Cons
- You can only get rewards if you have 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.
- Those with a Prime membership can earn 2% back on Amazon purchases
Pros
- Does not charge annual fees
- You can build your credit when using this card
Cons
- You can only get rewards if you have 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.
Who Should Consider the Amazon Secured Card
This card, which is issued by Symphony Bank, is a good option if you shop exclusively on Amazon and wish to build your credit. Its payment activity is reported to major credit bureaus to help build your credit history. Once the application is approved, you are required to deposit between $100 and $1,000 (in $50 increments).
Prime Reward:
2% back on Amazon purchases
- Free credit tracking tools: You will have access to TransUnion CreditViewTM Dashboard to help you keep track of your credit score.
- Fixed APR: It charges a fixed regular APR of 10%.
- Annual fee: It does not charge annual fees.
Important Considerations:
- It requires a security deposit.
- It has a fixed regular APR.
- It charges late fees.
- Its rewards are locked with an Amazon Prime membership.
American Express Blue Business® Plus: Best for Frequent Amazon Shoppers With the Flexibility to Exceed Your Credit Limit
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Who Should Consider the American Express Blue Business® Plus
It is an excellent choice if you want the option to exceed your credit limit. It features expanded buying power, which allows you to go over your credit limit after meeting certain criteria. It also is a good option for earning points instead of cash back on all purchases with no category restrictions.
Reward: 2x points on the first $50,000 in purchases each year; then 1x points on all purchases when the cap is met
- Connect to QuickBooks®: You can automatically tag your card with your QuickBooks’ auto-expense categorization.
- Employee cards: You can issue up to 99 employee cards on your account, making tracking expenses easier and maximizing earning rewards.
- Global Assist® Hotline: If you travel more than 100 miles from home, the Global Assist® Hotline is available 24/7 for medical, legal, financial, and other select emergency assistance and coordination services.
Important Considerations:
- It does not allow cash advances.
- It charges foreign transaction fees.
- The 2x points rewards are capped at $50,000.
Amazon Business Credit Cards Alternatives
One limitation of Amazon business credit cards is that the majority that offer rewards are locked with an Amazon Prime membership. Consider the alternative business credit cards below if you are looking for a more flexible business credit card.
You Prefer to Earn Fixed-rate Cash Back Rewards
If you want a fixed-rate cash back rewards card from an issuer that is present in more than 40 states, our recommendation is the Chase Ink Business Unlimited®. Its features and rewards landed it the top spot on our lists of the top-recommended small business credit cards and best credit cards for new businesses with no credit history.
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
You Need an Alternative Secured Business Credit Card
If you seek a secured business credit card that lets you earn fixed-rate rewards, our suggestion is the Valley Visa® Secured Business Credit Card. It is one of the few secured business credit cards that offer both a 0% introductory period and fixed cash back rewards. It is no surprise that it made it to our lists of the top secured business credit cards and leading cash back business credit cards.
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
You Want a Long 0% Introductory Period & the Ability to Earn Rewards
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers a long 0% introductory period on purchases and balance transfers (for the first 15 billing cycles) and provides premium rewards on travel booked in the Travel Rewards Center, gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants.
Those are a few reasons we included it in our roundups of the best small business credit cards, best credit cards for new businesses with no credit history, and the best business credit cards for balance transfers.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
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 credit cards from Amazon earn top rewards you can redeem for Amazon purchases easily. They typically come with introductory offers like free gift cards and statement credits that you can use for future purchases. If you’re only an occasional Amazon shopper, you may be better off with a non-Amazon branded card.