Best Amazon Business Credit Cards for 2023

on Amazon Business Prime American Express Card's secure website.

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

See Rates
& Fees

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

See Rates & Fees

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

on Amazon Business American Express Card's secure website.

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

$100 Amazon gift card upon approval: You get a $100 Amazon gift card as a 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

See Rates
& Fees

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

$100 Amazon gift card upon approval: You get a $100 Amazon gift card as a 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

See Rates & Fees

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

Amazon Visa Card

BEST FOR:

Those who prefer a personal card wanting to earn rewards

on Amazon Visa Card's secure website.

Intro APR

Regular APR

19.24% to 27.24% variable

Annual Fee

Credit Needed

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

19.24% to 27.24% variable

Annual Fee

Credit Needed

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

Amazon Store Card

on Amazon Store Card's secure website.

Intro APR

Regular APR

None as it offers promotional financing options

Annual Fee

None

Credit Needed

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.

Intro APR

Regular APR

None as it offers promotional financing options

Annual Fee

None

Credit Needed

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

Amazon Secured Card

BEST FOR:

Those who want to build their credit

on Amazon Secured Card's secure website.

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

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.

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

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 CreditView^TM 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

on The Blue Business® Plus Credit Card from American Express's secure website.

Intro APR

0% on purchases

Regular APR

18.49% - 26.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

18.49% - 26.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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.

See Rates & Fees

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

on Ink Business Unlimited® Credit Card's secure website.

Intro APR

0% Intro APR on Purchases

Regular APR

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

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.

Intro APR

0% Intro APR on Purchases

Regular APR

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

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

on Valley Visa® Secured Business Credit Card's secure website.

Intro APR

0% APR for nine billing cycles

Regular APR

15.95% to 27.50% variable

Annual Fee

None

Credit Needed

Poor, Limited

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

Intro APR

0% APR for nine billing cycles

Regular APR

15.95% to 27.50% variable

Annual Fee

None

Credit Needed

Poor, Limited

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

On US Bank's Secure Website

Intro APR

Regular APR

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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.

Intro APR

Regular APR

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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.