5 Best Amazon Business Credit Cards
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Yvette is a financial specialist with over 16 years of experience in consumer and business banking. Her expertise is highlighted across Fit Small Business in credit card and bank account content.
Editor’s note: This is a recurring post with regularly updated card details.
The best Amazon business credit cards offer top rewards on Amazon expenses, making them ideal for owners who spend big on Amazon purchases. While most business credit cards offer 1% cash back on Amazon purchases, these cards earn up to 5% cash back and bonus gift cards worth up to $125. Although some cards require an Amazon Prime membership, none of the cards on our list charge annual fees.
The best amazon business credit cards for Amazon purchases are:
- Amazon Business Prime American Express Card: (Best overall) Best for 5% back on Amazon purchases
- Amazon Business American Express Card: Best for Amazon purchases without a Business Prime membership
- Amazon Prime Rewards Visa Signature Card: Best for 5% cash back on a personal credit card
- Amazon Rewards Visa Signature: Best for earning Amazon rewards on a personal card without a Prime membership
- American Express Blue Business Cash™ Card: Best for fixed-rate cash back and 0% introductory annual percentage rate (APR)
Want to compare the features of one card to another? We’ve made it easy for you to do just that! Simply check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
For more details on how we evaluate business credit cards for this list, see our methodology.
Amazon Business Prime American Express Card: Overall Best Amazon Credit Card for Business Use
Amazon Business Prime American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
5% back or 90-day repayment terms
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
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.
Intro APR
N/A
Regular APR
18.74% - 26.74% 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.
Why we like it: The Amazon Business Prime American Express Card is the all-around best business credit card for business owners who make frequent Amazon purchases. This card earns up to 5% back at Amazon.com, Whole Foods, Amazon Business, and Amazon Web Services. If you’re a heavy Prime Amazon business user, this card’s high rewards.
Plus, you’ll get your choice of earning rewards or payment terms. Those who opt for payment terms can make Amazon purchases without interest for 90 days. What’s more, you can change your benefits selection to rewards on future purchases at any time.
You’ll also earn this card’s second-highest rewards on purchases for restaurant, gas station, and cellphone purchases. Although you’ll get all these benefits without an annual card fee, you’ll need an Amazon Business Prime membership to qualify. Business Prime accounts cost $179 per year while standard Prime memberships cost $119 per year.
Amazon Business American Express Card: Best for Amazon Purchases Without a Business Prime Membership
Amazon Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
3% back or 60-day repayment terms
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
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 signup reward upon approval, without the need to meet any spending requirement.
- No 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
Intro APR
N/A
Regular APR
18.74% - 26.74% 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 signup reward upon approval, without the need to meet any spending requirement.
- No 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
Why we like it: If a Business Prime membership isn’t a priority, the Amazon Business American Express Card is a solid pick. This card earns 3% back on purchases made at Amazon.com, Whole Foods Market, Amazon Business, and Amazon Web Services. If you don’t want rewards, you can also choose interest-free payment terms for 60 days.
You can update your card benefits between payment terms and rewards at any time. Although the cash back option earns rewards on all purchases, you’ll also earn 2% back when you use your card for restaurant, gas, and cellphone service-related purchases.
Amazon Prime Rewards Visa Signature Card: Best for 5% Cash Back on a Personal Credit Card
Amazon Prime Rewards Visa Signature Card
BEST FOR:
Those with Amazon Prime who were not qualified for an Amazon Business Credit Card
Intro APR
N/A
Regular APR
18.74% to 26.74% variable
Annual Fee
None
Credit Needed
Good - Excellent
- Get a $50 Amazon.com Gift Card instantly upon credit card approval
- 5% Back at Amazon.com and Whole Foods Market
- 2% Back at restaurants, gas stations, and drugstores
- 1% back on all purchases
Pros
- Does not charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- Requires you to have Amazon Prime prior to application — which costs $139 annually
- High balance transfer fee
- Rewards are not as extensive compared to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
Intro APR
N/A
Regular APR
18.74% to 26.74% variable
Annual Fee
None
Credit Needed
Good - Excellent
- Get a $50 Amazon.com Gift Card instantly upon credit card approval
- 5% Back at Amazon.com and Whole Foods Market
- 2% Back at restaurants, gas stations, and drugstores
- 1% back on all purchases
Pros
- Does not charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- Requires you to have Amazon Prime prior to application — which costs $139 annually
- High balance transfer fee
- Rewards are not as extensive compared to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
Why we like it: The Amazon Prime Rewards Visa Signature Card offers 5% cash back on all Amazon.com and Whole Foods purchases, so it’s a great personal card for frequent Amazon shoppers. This card also comes with a $70 gift card that can be applied instantly to your Amazon account upon card approval.
This card also gives you the option to earn cash back rewards or opt into payment terms, where you’ll have no interest for 90 days. If you choose ongoing rewards, you’ll earn cash back rewards on more than Amazon and Whole Foods purchases. You’ll also earn 2% cash back on restaurant, gas station, and drugstore purchases.
You will need a standard Amazon Prime membership to qualify for this card. Amazon memberships start at $119 for personal accounts. However, because this is a personal credit card, you won’t be able to use it for building business credit.
Amazon Rewards Visa Signature Card: Best for Non-Prime Members Who Want a Personal Card
Amazon Rewards Visa Signature Card
BEST FOR:
Those without Amazon Prime who were not qualified for an Amazon Business Credit Card
Intro APR
N/A
Regular APR
18.74% to 26.74% variable
Annual Fee
None
Credit Needed
Good - Excellent
- 3% cash back on purchases made at Amazon and Whole Foods Market
- 2% Back at U.S. restaurants, gas stations, and drugstores
- 1% Back on all other purchases
Pros
- Does not charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- High balance transfer fee
- Rewards are not as extensive compared to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
Intro APR
N/A
Regular APR
18.74% to 26.74% variable
Annual Fee
None
Credit Needed
Good - Excellent
- 3% cash back on purchases made at Amazon and Whole Foods Market
- 2% Back at U.S. restaurants, gas stations, and drugstores
- 1% Back on all other purchases
Pros
- Does not charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- High balance transfer fee
- Rewards are not as extensive compared to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
Why we like it: The Amazon Rewards Visa Signature Card is a consumer credit card designed to give top rewards on Amazon purchases for non-Prime members. This is also a great option for business owners who can’t qualify for a business credit card. Plus, it’s cheaper to own than the Amazon Prime Rewards Visa Signature Card, which is available only with a Prime membership. However, it offers slightly lower rewards—3% vs 5%—on Amazon purchases.
Just like the Prime version of this card, the Amazon Rewards Visa Signature Card earns 2% cash back at restaurants, gas stations, and drugstores. Additionally, you’ll get a $50 gift card upon approval as a welcome bonus that you can use on future purchases. However, because this is a personal credit card, you can’t use this card to build business credit.
American Express Blue Business Cash™ Card: Best for Fixed-rate Cash Back & 0% Introductory APR
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Why we like it: The American Express Blue Business Cash™ Card is one of the best business cards for owners looking for steady cash back rewards on Amazon purchases. Although it’s not an Amazon-branded card, this card still earns 2% cash back on all eligible purchases on up to $50,000 per calendar year, including Amazon-related purchases. Plus, you’ll get a 0% introductory APR period that’s longer than any other card on our list.
This is a good card for owners who want premium American Express perks like expanded buying power without the costly annual fee. With this card, you can make purchases above your credit limit with no over-limit fees. The expanded buying power feature isn’t unlimited and is dependent on your card usage and payment history, among other factors.
How We Evaluated the Best Amazon Credit Cards for Business
When considering cards for this list, we primarily included cards that offer robust ongoing rewards for Amazon-related purchases. Along with ongoing rewards, we also took into account welcome offers, Amazon-specific introductory financing, and annual card or Prime membership fees. The best Amazon credit cards for business pay up to 5% cash back on purchases while offering welcome bonuses that can be applied directly to your Amazon account.
Bottom Line
The best Amazon business credit card earns top rewards that you can redeem easily for Amazon purchases. These cards also 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 customer, you’d be better off with a non-Amazon branded card.
For rates and fees on the Amazon Business Prime American Express Card, please click here.
For rates and fees on the Amazon Business American Express Card, please click here.
For rates and fees on the American Express Blue Business Cash™ Card, please click here.
