Amazon Business Prime American Express Card: Maximize Rewards on Amazon

Like many business owners, you may rely on Amazon for everything from office supplies and tech gear to shipping materials and inventory restocks. Perhaps you’re placing orders regularly — sometimes daily — and looking for ways to stretch your budget or ease cash flow. In this case, the Amazon Business Prime American Express Card could be a highly valuable tool.

With the ability to choose between cash back or financing on Amazon-related purchases, the card offers meaningful rewards, especially if you’re already paying for a Prime membership. Plus, with no annual fee, you can unlock these benefits without a high financial commitment.

However, if your business makes significant purchases outside of Amazon or you’re looking for a card with a long 0% intro APR or more universal rewards, you may get more value from a general business credit card.

Recommended credit: Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion Good / Excellent

Rewards Rate: 1% - 5% cash back

• Earn 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
• Earn 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• Earn 1% on other purchases
  

Welcome offer: $125 Amazon gift card

• Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.

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Rates

• Intro purchase APR: N/A
• Regular purchase APR: 18.24% - 26.24% Variable
• Intro balance transfer APR: N/A
• Regular balance transfer APR: N/A
• Regular cash advance APR: 28.99% Variable
• Penalty APR: 29.99% Variable

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Fees

• Annual fee: No annual fee
• Balance transfer fee: N/A
• Cash advance fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
• Foreign exchange fee: None
• Late fee: Up to $39

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Other benefits

• Complimentary employee cards with spending controls (enrollment required)
• Connect to QuickBooks® (enrollment required)
• Vendor pay by Bill.com
• Year-end summary
• Terms apply

→ See Lendingtree’s top picks for business credit cards.

• High cash back rate on Amazon purchases

  The Amazon Business Prime American Express Card gives you the flexibility to choose between earning cash back or getting 90-day financing on Amazon purchases: 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.

  → This is one of the best cash back rates you can currently earn on Amazon-related purchases, and it even applies to Amazon Web Services (AWS) — a benefit not offered by the regular Prime Visa. If you max out the $120,000 annual spending cap, you’ll earn $6,000 back from this benefit. Just know that if you choose the 90-day financing option for a purchase, you won’t qualify for the higher cash back rate on that purchase.

  How do I redeem rewards? You can redeem your rewards for eligible purchases at Amazon.com and Amazon.com/Business or use them toward charges on your billing statement.

  This feature is flexible. You can switch between earning 5% back and using the 90-day terms at any time, even at the time of purchase.

• Amazon Gift Card upon approval

  Although not overly generous, the Amazon Business Prime American Express Card comes with an easy-to-earn welcome offer that can help offset the cost of your Amazon purchases. Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.

  → Some business credit cards may offer more generous welcome offers, but they typically require you to meet a minimum spending threshold to qualify. For example, The American Express Blue Business Cash™ Card allows you to earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

• No annual fee — rare for a business rewards card

  The Amazon Business Prime American Express Card has no annual fee, allowing you to earn cash back on your business purchases without a significant upfront cost. However, a Prime membership is required to unlock rewards and access the 90-day payment terms.

  → In comparison, some of the top business credit cards charge annual fees ranging from $95 to as high as $695, though they often offer higher earning potential along with more comprehensive perks, protections and premium benefits.

• No foreign transaction fees

  While some cards charge foreign transaction fees ranging from 3% to 5% of the amount of each purchase when you use it to make purchases outside the U.S., this card has no foreign transaction fees. This makes it a cost-effective choice for international travel.

• Complimentary employee cards with spending controls

  Many business credit cards offer complimentary employee cards, and the Amazon Business Prime American Express Card is no exception. You can add employee cards at no extra cost (enrollment required, terms apply), and choose to either earn cash back or use the 90-day payment terms on their purchases. The card also allows you to set spending limits, receive alerts and access summary reports to help manage and monitor employee expenses more efficiently.

• Top rewards apply only to Amazon purchases

  While the Amazon Business Prime American Express Card offers strong cash back, the most valuable rewards are confined to purchases made through Amazon.com, Amazon Business, AWS and Whole Foods Market. You’ll get a much lower rewards rate on your other business-related purchases.

  → In comparison, with the Ink Business Cash^® Credit Card, you can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

• Annual cap on elevated rewards

  The Amazon Business Prime American Express Card limits the amount of rewards you can earn at the highest rate to the first $120,000 in eligible purchases each calendar year. Any purchases you make after reaching that threshold will only get you 1% back.

  If you think you might exceed this threshold, you might consider a card with flat-rate cash back like the Wells Fargo Signify Business Cash® Card, which lets you earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.

• Limited travel and purchase protections

  The Amazon Business Prime American Express Card offers the following travel insurance and purchase protections:

  • Car rental loss and damage insurance¹
  • Baggage insurance plan²
  • Purchase protection²
  • Extended warranty²
  • Terms apply

  While these are useful benefits, they aren’t as extensive as what some competing business cards provide. For example, the Ink Business Cash^® Credit Card offers primary rental car insurance, travel and emergency assistance and roadside assistance.

  If your business involves frequent travel, these added protections could provide peace of mind and save on out-of-pocket costs in emergency situations. However, if you rarely travel for business, the more basic coverage offered here may be sufficient for your needs.

  Other important details: The Amazon Business Prime American Express Card does offer return protection³ — a fairly unique benefit. Your Amazon purchases that fall outside of the standard return window may still be eligible for reimbursement under this benefit.

• Financing options are only available for Amazon purchases

  The financing option that you get with the Amazon Business Prime American Express Card is a useful tool for businesses that carry a balance. However, it’s limited to Amazon purchases and only lasts 90 days. If you have a larger purchase or need to finance something outside of Amazon, you should consider another card that has a 0% introductory APR on purchases.

  → Many business credit cards offer a 0% intro APR on purchases for 12 months or longer. For example, the U.S. Bank Business Platinum Card has a 0% intro on purchases for 12 billing cycles, then a 16.24% - 25.24% Variable APR applies.

• Prime membership required to unlock top rewards

  To access the highest cash back rates and 90-day financing terms with the Amazon Business Prime American Express Card, you’ll need an eligible Prime membership, which costs $14.99 per month or $139 annually.

  → For those without a Prime membership, Amazon offers an alternative: the Amazon Business American Express Card. While it still provides competitive rewards on purchases at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased from the U.S., it comes with a lower cash back rate or a 60-day term on eligible Amazon purchases.

  The information related to the Amazon Business American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

	Who’s it best for?	Annual fee	Rewards rate	Welcome offer
Amazon Business Prime American Express Card	Business owners with a Prime membership	No annual fee	1% - 5% cash back 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.	$125 Amazon gift card Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Amazon Business American Express Card	Business owners without a Prime membership	$0	1% - 2% cash back 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	$100 Amazon.com gift card $100 Amazon.com gift card upon approval.
Prime Visa (see rates & fees)	Prime members	$0	1% - 5% cash back Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel℠ purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases	$150 Amazon gift card Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
Amazon Visa	Non-Prime members	$0	1% - 3% cash back 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel℠ purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.	$50 Amazon gift card Get a $50 Amazon Gift Card instantly upon approval
Amazon Prime Store Card	Prime members with fair credit	$0	5% back at Amazon.com Amazon Prime members can earn 5% back at Amazon.com	$60 Amazon gift card $60 Amazon Gift Card upon approval
Amazon Secured Card	Prime members with limited / poor credit	$0	2% cash back 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership	N/A

→ See all of the best credit cards for Amazon.

Amazon Business Prime American Express Card vs. Ink Business Cash^® Credit Card

The Ink Business Cash^® Credit Card is a great fit for businesses with a wide range of everyday expenses, offering generous cash back across multiple popular categories beyond just Amazon. However, the elevated rewards have annual caps, which may limit value for higher spenders.

The card also offers the opportunity to earn a more generous welcome offer compared to the Amazon Business Prime American Express Card, along with a 0% Intro APR on Purchases for 12 months, then 16.99% - 24.99% Variable. Additionally, it provides more comprehensive travel protections, including primary rental car insurance, travel and emergency assistance and roadside assistance.

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Amazon Business Prime American Express Card vs. Wells Fargo Signify Business Cash® Card

The Wells Fargo Signify Business Cash® Card is a good choice for businesses with varied spending needs that aren’t limited to a specific retailer. The card offers straightforward, flat-rate rewards and a $0 annual fee. You’ll Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.. Plus, you’ll get a 0% introductory APR for 12 months from date of account opening on purchases, followed by a 16.74% - 24.74% Variable APR rate.

What sets the card apart is the inclusion of travel benefits often reserved for travel credit cards with annual fees. These include complimentary Priority Pass lounge access (with per-visit fees), travel accident insurance and rental car coverage.

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Amazon Business Prime American Express Card vs. The Blue Business^® Plus Credit Card from American Express

If you’re looking for a simple approach to earning business rewards, you might consider The Blue Business^® Plus Credit Card from American Express. You’ll 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. This makes it ideal for businesses with diverse spending needs that aren’t concentrated with a specific merchant like Amazon. The card also comes with an intro APR of 0% on purchases for 12 months from date of account opening. Then, a 16.74% - 26.74% Variable APR applies.

If your business spends a substantial amount each year on Amazon-related purchases, the Amazon Business Prime American Express Card can be a great way to manage your cash flow and earn a generous rewards rate on those purchases.

But if you want more flexibility in where you can earn and redeem your rewards, as well as an intro APR on purchases, the Ink Business Cash^® Credit Card is a better choice. Or, if you prefer a flat-rate card with no bonus categories to keep track of, the Wells Fargo Signify Business Cash® Card or The Blue Business^® Plus Credit Card from American Express could work better for you.

We take a comprehensive, data-driven approach to identify the best cash back cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:

• Average value over two years (50% of rating)
  We calculate the cash back earned for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes sign-up and annual bonuses. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
• Flexibility of rewards (30% of rating)
  We consider how easy the rewards are to use, looking at factors like expiration dates and minimum thresholds to redeem.
• Other features (20% of rating)
  We also compare a card’s benefits, such as purchase and travel protections, against benefits from other cards.