Editor’s note: This is a recurring post with regularly updated card details.
The best Amazon credit cards for businesses 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 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 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 the 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 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: 10% back on purchases made at Amazon.com Non-Prime members: Unlimited 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 shop on Amazon exclusively | 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 | |
Notes:
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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
- $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.
- 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
- $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.
When To Consider the Amazon Business Prime American Express Card
Business owners who either have an Amazon Prime Membership or are willing to secure Amazon Prime may consider this business credit card. It gives you the ability to choose between a financing option or cash back for each calendar year. It’s no surprise that this is one of our best cash back business cards and top business cards for restaurant owners.
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
Other benefits
- Get a $125 Amazon.com gift card upon card approval
- Receive coverage 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
- Acquire rental car protection of 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
- 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 an 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
When To Consider the Amazon Business American Express Card
This is ideal for those who do not have, or want to have, an Amazon Prime membership, which costs $139 a year. 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
Other benefits
- Receive a one-time $100 Amazon.com gift card upon card approval
- Secure coverage for your baggage of up to $1,250 per person for carry-on bags and up to $500 per person for checked bags after using the card
- Get car rental coverage of 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
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.
When To 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 the Amazon Visa Card is issued by Chase Bank.
Rewards:
Prime Rewards | Non-Prime Rewards |
---|---|
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Other benefits:
- Secure a welcome offer of $60 Amazon Gift Card upon card approval
- Pay over time on purchases of $50 or more on Amazon.com by choosing “equal monthly payments” at checkout
- Add authorized users to maximize your rewards-earning potential at no cost
- Decline the company’s collision insurance and charge the entire rental cost to your card
- Get a reimbursement worth $100 a day for three days on essential purchases like toiletries and clothing for baggage delays of over six 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 on Amazon Exclusively
- 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.
When To Consider the Amazon Store Card
Issued by Symphony Bank, this Amazon business credit card 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.
Prime reward:
- 5% back on Amazon purchases
Other benefits:
- Receive a $60 Amazon Gift Card upon card approval
- Be protected from any fraudulent or unauthorized charges made with your card
- 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
- Avail special financing on purchases of at least $150; choose from 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.
When To Consider the Amazon Secured Card
If you shop exclusively on Amazon and wish to build credit, then you may consider this card, which is 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 deposit between $100 and $1,000 (in $50 increments).
Prime reward:
- 2% back on Amazon purchases
Other benefits:
- Get access to TransUnion CreditViewTM Dashboard to help you keep track of your credit score
- Activate the Store card features of your account after 12 months of responsibly building up your credit
- Be charged a fixed regular APR of 10% nonvariable
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.
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:
- 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, consider getting any of the cards we list above.
- Unique features: Out of the five credit cards, the Amazon Secured Card is one of the cards included in the list that requires poor or limited credit history to qualify. It also helps you build up your credit history, increasing your chances of qualifying for unsecured business credit cards.
- Rebuilding credit: This 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 Credit Cards Alternatives
One limitation of Amazon business credit cards is that the majority of the cards included in the list can let you earn premium rewards if you frequently shop at Amazon. 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
- 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, 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.
- 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, 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.
When To Consider the American Express Blue Business® Plus
- You intend to spend beyond your credit limit: It offers expanded buying power, which allows you to go over your credit limit after meeting certain criteria.
- You want to earn fixed-rate points rewards on all purchases: It lets you earn 2x points on the first $50,000 in purchases each year; then 1x points on all purchases when the cap is met
Other Benefits:
- Earn 15,000 Membership Rewards® after spending $3,000
- Automatically tag your expenses through QuickBooks’ auto-expense categorization
- Enjoy $0 annual fees
- Issue up to 99 employee cards on your account, making tracking expenses easier and maximizing earning rewards.
Despite the 2x points rewards capped at the first $50,000 in purchases, the expanded buying power feature and $0 annual fee are why it is our leading credit card for real estate agents and one of our top high-limit business cards. For more options from the issuer, see our list of the best American Express business credit cards.
Valley Visa® Secured Business Credit Card
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 on both purchases and balance transfers for six billing cycles
- $0 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 on both purchases and balance transfers for six billing cycles
- $0 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
When To Consider the Valley Visa® Secured Business Credit Card
- You prefer to build up your business credit: As a secured business credit card, it reports account information to credit bureaus every month, which can help build up your credit history.
- You intend to make large purchases or transfer a significant balance: It offers a 0% introductory period on purchases and balance transfers for the first six billing cycles.
Other Benefits:
- Earn an unlimited 1% cash back on all purchases
- Issue up to 25 cards under one account at no additional cost
- Enjoy $0 annual fees
This card is our top secured business card and one of our leading business cards with no personal credit check.
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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When To Consider the Emburse Spend Card
- You do not want to incur credit debt: As a business prepaid card, it only allows you to use funds that are already loaded into your account.
Other Benefits:
- Earn 1% cash back on all purchases, regardless of spending category
- Load funds in three ways, i.e., bank transfer, credit accounts, and account and routing numbers
- Set amount restrictions depending on your business needs
It is our best business prepaid card due to its flexibility to earn rewards and ability to set amount restrictions.
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.
See our roundup of the best small business credit cards for more options.