Editorial and Partnership Disclosure
Frequent Amazon shoppers can maximize rewards and perks with the right Amazon business credit card. These cards deliver exclusive benefits for Prime members and competitive rewards on Amazon and Whole Foods purchases, making them ideal for businesses relying on Amazon. Focus on key features like financing options, annual fees, and versatility to find the best fit. Our best Amazon business credit card recommendations come with a $0 annual fee to help you save on credit costs. If you need flexibility, we’ve included options that go beyond Amazon-specific rewards.
Here are the five best Amazon business credit cards:
- Amazon Business Prime American Express Card: Overall 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 with rewards
- Amazon Store Card: Best for those who shop exclusively on Amazon
- Amazon Secured Card: Best for building or improving credit
- Overview of the Best Amazon Business Credit Cards
- Amazon Business Prime American Express Card: Overall 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 with Rewards
- Amazon Store Card: Best for Those Who Shop Exclusively on Amazon
- Amazon Secured Card: Best for Building or Improving Credit
- How We Selected the Best Amazon Business Credit Cards
- Amazon Business Credit Cards Alternatives
- Capital One Spark Cash Select for Excellent Credit
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Best Amazon Business Credit Cards
| Best For | Welcome Offer | Rewards | Credit Needed | ||
|---|---|---|---|---|---|
 Amazon Business Prime American Express Card | Business owners with Amazon Prime | $125 Amazon Gift Card | 5% back or 90-day terms | Good to Excellent | Apply nowRates & Fees |
| Disclosure: "All information about the American Express Amazon Business and Amazon Business Prime Cards has been collected independently by Fit Small Business. This information has not been updated since (October 1, 2025)” | |||||
 Amazon Business American Express Card | Business owners without an Amazon Prime membership | $100 Amazon Gift Card | 3% back or 60-day terms | Good to Excellent | Apply nowRates & Fees |
| Disclosure: "All information about the American Express Amazon Business and Amazon Business Prime Cards has been collected independently by Fit Small Business. This information has not been updated since (October 1, 2025)” | |||||
 Amazon Visa Card | Those who prefer a personal card with rewards | None | Prime members: 10% or more back | Good to Excellent | |
 Amazon Store Card | Those who shop exclusively on Amazon | $80 Amazon Gift Card | Prime members: 5% back | Fair Credit | |
 Amazon Secured Card | Building or improving credit | None | Prime members: 2% back | Poor, Limited | |
Notes:
| |||||
Amazon Business Prime American Express Card: Overall Best for Business Owners with an Amazon Prime Membership
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 26.24% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
- 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.
(Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why We Like It
This card stands out as the overall best for business owners with an Amazon Prime membership by offering premium rewards on up to $120,000 in Amazon purchases per calendar year. It adds even more value with a generous welcome bonus and interest-free financing options, helping you maximize your cash flow. Plus, with $0 foreign transaction fees, it’s perfect for managing international business expenses without extra costs. These standout features make it a versatile and rewarding tool for Amazon-focused businesses.
Ongoing Rewards
- $125 Amazon.com gift card upon card approval—no spending requirements
- 5% back
- 2% back on restaurants, gas stations, and wireless telephone services purchased directly from US service providers
- 1% back on all other purchases or after cap is met
Other Benefits
- Purchase Protection: Covers items for up to 90 days if lost, stolen, or damaged.
- Year-End Summary: Categorized spending reports to simplify expense tracking.
- Employee Cards: Issue up to 99 cards with customizable spending limits.
- Travel Benefits: Includes car rental insurance, baggage coverage, and global assistance.
Who Should Consider It
- Business owners with an Amazon Prime membership.
- Frequent Amazon and Whole Foods shoppers looking for high rewards.
- Entrepreneurs who have international spending.
Amazon Business American Express Card: Best for Business Owners without an Amazon Prime Membership
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 26.24% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- You choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Why We Like It
This card fits for those who don’t have an Amazon Prime membership. Once approved, you’ll receive an Amazon gift card as a welcome bonus. It allows you to choose between earning premium cash back or taking advantage of an interest-free financing period on US purchases on Amazon Business, AWS, Amazon, and Whole Foods Market. It also offers a $0 fee on foreign transactions.
Ongoing Rewards
- $100 Amazon.com gift card upon card approval—no spending requirements
- 3% back
- 2% back on restaurants, gas stations, and wireless telephone services purchased directly from US service providers
- 1% back on all other purchases
Other Benefits
- Purchase Protection: Covers eligible items for 90 days against loss, theft, or damage.
- Year-End Summary: Provides categorized reports for easy expense tracking.
- Employee Cards: Issue up to 99 cards with spending controls.
- Travel Perks: Includes car rental coverage, baggage insurance, and global assistance.
Who Should Consider It
- Business owners without an Amazon Prime membership.
- Those who frequently purchase from Amazon, Whole Foods, or AWS.
- Companies seeking rewards without paying an annual fee.
Amazon Visa Card: Best for Those Who Prefer a Personal Card with Rewards
| Intro APR | |
|---|---|
| Regular APR | 19.49% to 27.49% variable |
| Annual Fee | None |
| Credit Needed | Good to Excellent |
- Prime Rewards: 5% back at Amazon and Whole Foods Market 10% or more on a rotating selection of items and categories on Amazon.com 2% back on restaurants, gas stations, and local transit and commuting 1% back on all other purchases
- Non-Prime Rewards Unlimited 3% back on the following: - Amazon.com purchases - Amazon Fresh online (or in-store) - Whole Foods Market online (or in-store) - Chase Travel purchases Unlimited 2% back on the following: - Gas stations - Restaurants (dine in or take out) - Local transit and commute (including ride-sharing) Unlimited 1% on all other purchases
- Interest-free equal monthly payments: You can pay over time on purchases of $50 or more at Amazon.com by simply choosing “equal monthly payments” at checkout.
- Adding authorized users: You can add authorized users to maximize your rewards-earning potential at no cost.
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to your card.
- Baggage delay insurance: Get a reimbursement worth $100 a day for three days on essential purchases like toiletries and clothing for baggage delays with more than six hours by passenger carrier.
Why We Like It
We like this card for its versatility, offering rewards not only on Amazon and Whole Foods purchases but also on everyday spending categories, like dining, gas, and drugstores. This card also provides value for both personal and business use. It’s a great choice for those who want flexible rewards beyond Amazon’s ecosystem.
Ongoing Rewards
| Prime Rewards | Non-Prime Rewards |
|---|---|
|
|
Other Benefits
- Buy Now, Pay Later: Enjoy a 0% promo APR for 6 months on purchases over $50 or 12 months on purchases over $250 at Amazon.com or eligible Amazon Pay retailers.
- Purchase Protection: Covers items for 90 days against loss, theft, or damage, plus extended warranty coverage.
- Travel Benefits: Includes accident insurance, emergency assistance, auto rental coverage, baggage delay insurance, lost luggage reimbursement, and roadside assistance.
Who Should Consider It
- Individuals or small business owners who mix personal and business Amazon spending.
- Frequent Amazon and Whole Foods shoppers who don’t want a business-specific card.
- Cardholders looking for straightforward rewards across various spending categories.
Amazon Store Card: Best for Those Who Shop Exclusively on Amazon
| Intro APR | |
|---|---|
| Regular APR | 29.99% variable |
| Annual Fee | None |
| Credit Needed | Fair to Excellent |
- Those with a Prime membership can earn 5% back on purchases made at Amazon.com.
- Equal monthly payments: You can pay equal monthly payments on Amazon.com at 0% APR with the following options:
- 6 equal monthly payments on purchases between $50 and $599.99
- 12 equal monthly payments on purchases of $600 and above
- 24 equal monthly payments on select purchases
- Special financing: This can be made available on purchases of at least $150. You can choose the following payment options:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 and more
- 24 months on select purchases
- Zero fraud liability: Amazon ensures you are protected from any fraudulent or unauthorized charges made with your card.
Why We Like It
This card provides a simple, straightforward way to manage purchases for those who shop exclusively on Amazon. With special financing options and promotional deals, it’s an excellent choice for handling larger expenses without immediate out-of-pocket costs.
Ongoing Rewards
- $80 Amazon Gift Card instantly upon approval
- 5% back on Amazon purchases—exclusive for those with Prime membership
Other Benefits
- 0% APR promo offer in equal monthly payments with the following options:
- 6 equal monthly payments on purchases between $50 and $599.99
- 12 equal monthly payments on purchases of $600 and above
- 24 equal monthly payments on select purchases
- Special financing options available on purchases of $150 or more:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 or more
- 24 months on select purchases
- Zero fraud liability for unauthorized purchases
Who Should Consider It
- Business owners or individuals who shop exclusively on Amazon and not at any other merchants.
- Those who prioritize flexibility in payment over traditional rewards.
- Shoppers who want simple rewards without other category benefits.
Amazon Secured Card: Best for Building or Improving Credit
| Intro APR | |
|---|---|
| Regular APR | 10% for Secured Card; 29.99% variable for Store Card |
| Annual Fee | None |
| Credit Needed | Poor to Excellent |
- Those with a Prime membership can earn 2% back on Amazon purchases
- Free credit tracking tools: You will have access to TransUnion CreditViewTM Dashboard to help you keep track of your credit score.
- Special financing: This can be made available on purchases of at least $150. You can choose the following payment options:
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 and more
- 24 months on select purchases
- Zero fraud liability: Amazon ensures you are protected from any fraudulent or unauthorized charges made with your card.
Why We Like It
The Amazon Secured Card, issued by Synchrony Bank, is a great choice for building or rebuilding credit while earning rewards on Amazon purchases. With a refundable security deposit ranging from $100 to $1,000 (in $50 increments), it’s accessible for those with limited or poor credit. Responsible use can lead to an upgrade to an unsecured card, adding long-term value. This card offers a straightforward way to establish good credit habits without missing out on rewards.
Ongoing Rewards
- 2% back on Amazon purchases—exclusive to those with Prime membership
Other Benefits
- Credit monitoring Tools: Access the TransUnion CreditView™ Dashboard to track your credit score and monitor progress over time.
- Opportunity to Upgrade: Transition to an unsecured Amazon Store Card after 12 months of responsible use and receive your security deposit back.
- Low Fixed APR: Enjoy a fixed APR of 10%, which is significantly lower than most other cards on this list, providing cost-effective financing for balances carried month-to-month.
Who Should Consider It
- Entrepreneurs building or repairing their credit history
- Those who want access to Amazon rewards with a secured card option.
- Cardholders who prefer a low barrier to entry with the potential to upgrade.
How We Selected the Best Amazon Business Credit Cards
When choosing the best business credit cards for Amazon purchases, we considered the cards’ rewards, fees, and unique features. The cards featured in this guide have $0 annual fees, helping you save on credit costs. However, most of them require a Prime membership, which helps you take advantage of the high rewards rate.
Amazon Business Credit Cards Alternatives
The Blue Business® Plus Credit Card from American Express: Best for Earning Flexible Rewards
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- 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.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Ongoing Rewards
- 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases within your first three months.
- 2× points on the first $50,000 in purchases each year.
- 1× point on all purchases after the cap is met.
Features and Benefits
- Ability to carry balance with interest for greater financial flexibility.
- Expanded buying power beyond the credit limit in case of unexpected expenses.
- Employee cards at no additional cost, with spending controls.
- Amex Offers for savings on business-related purchases.
- Purchase protection and extended warranty coverage.
Who Should Consider It
- Business owners seeking flexible rewards for all purchases.
- Companies with diverse spending habits beyond Amazon.
- Entrepreneurs who value a simple, flat rewards structure.
Capital One Spark Cash Select: Best for Flat-Rate Cash Back
| Intro APR | N/A |
|---|---|
| Regular APR | 16.74% - 22.74% (Variable) |
| Annual Fee | $0 |
| Credit Needed | Excellent |
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
Ongoing Rewards
- $500 cash back after spending $4,500 within the first 3 months.
- 1.5% cash back on all purchases.
- 5% cash back on hotels and car rentals booked through Capital One Travel.
Features and Benefits
- Free employee cards with spending controls.
- Access to year-end summaries for tax preparation.
- Fraud coverage and security alerts.
- Travel and emergency assistance services.
- Purchase records integration with popular accounting software.
Who Should Consider It
- Business owners looking for unlimited flat-rate cash back.
- Companies with varied expenses who don’t want to track categories.
- Cardholders seeking a no-frills, cash-back-focused option.
Ramp Credit Card: Best for Managing Expenses and Controlling Costs
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
- Up to 1.5% cash back on purchases, regardless of spending categories
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Ongoing Rewards
- Up to 1.5% cash back on purchases, regardless of spending categories
- More than $350,000 in partner rewards—including discounts from Gusto, QuickBooks, Accelerate Tax, UPS, Amazon Web Services (AWS), and Rippling, among others.
Features and Benefits
- Automated expense tracking and reporting tools
- Custom spending limits for employees
- $0 fees for employees’ cards
- Integration with accounting software like QuickBooks and Xero.
- Real-time alerts for unusual transactions.
- Vendor discount programs for savings on business tools and services.
Who Should Consider It
- Startups and businesses prioritizing expense management over rewards.
- Companies seeking cos-saving tools and fee-free card options.
- Entrepreneurs looking for modern financial tools to streamline operations.
Frequently Asked Questions (FAQs)
What is Business Prime, and how much does it cost?
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 |
Where can I use the Amazon Store Card?
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
Can I use Amazon business credit cards outside of Amazon purchases?
Yes, some Amazon business credit cards can be used outside of Amazon. For example, the Amazon Business Prime American Express Card earns 2% back at US restaurants, gas stations, and wireless telephone services, and 1% back on all other purchases. Similarly, the Amazon Business American Express Card offers rewards in various spending categories, making it a versatile choice for business expenses.
However, the Amazon Store Card and Amazon Secured Card are limited to purchases made on Amazon.com and cannot be used outside of the Amazon platform. Make sure to choose the card that best aligns with your spending habits and business needs.
What happens to my Amazon business credit card rewards if I cancel my card?
If you cancel your Amazon business credit card, unredeemed rewards may be forfeited. Redeem rewards before canceling and review your card’s terms to avoid losing benefits.
Bottom Line
The best Amazon credit cards offer outstanding rewards, making it easy to save on your Amazon purchases while enjoying perks like welcome bonuses, free gift cards, and even 0% APR periods. However, if you’re an occasional Amazon shopper, a non-Amazon branded card—like the versatile alternatives we’ve suggested—might better suit your spending habits. Choose the card that aligns with your needs and maximizes value for your business or personal purchases.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
Amazon Business Prime American Express Card
Amazon Business American Express Card
