The Amazon Business Prime American Express Card is designed for businesses that are Amazon Prime or Business Prime members that rely heavily on Amazon purchases and products.

The card offers a unique rewards program where business owners can get 5% cash back or 90-day financing term on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on the first $120,000 in purchases per calendar year.

Meanwhile, the regular rewards rate is 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers, 1% on other purchases.

If your business has a fluctuating cash flow and sometimes carries a balance, this card provides both short- and long-term value with interest-free payment terms on select purchases that can allow you to pay for purchases over 90 days without accruing interest. That can be helpful during months when you may be unable to pay your bill by your due date. And, if your cash flow is doing OK, you can opt to earn rewards instead of using an interest-free payment term.

While there is a no annual fee, your business must be an Amazon Prime or Business Prime member ($139 and $69 a year, respectively).

In this review, we’ll go over who should consider opening an Amazon Business Prime American Express Card, the numerous benefits cardholders receive, and how it stacks up to the competition.

To see the rates and fees of the Amazon Business Prime American Express Card, please click here.

• High rewards rate on Amazon purchases

  With the Amazon Business Prime American Express Card, cardholders can reap 5% cash back (or spread out the cost interest-free over 90 days) on Amazon-affiliated purchases, including Amazon Business, AWS, Amazon.com and Whole Foods. That high rewards rate applies to the first $120,000 in purchases every calendar year, and then reverts to 1% cash back after meeting that cap.

  The potential savings could run as high as $6,000 a year, provided you meet the $120,000 cap.

  Know that if you choose the 90-day interest-free financing option for a purchase, you will not qualify for the 5% cash back.

  Rewards points can be redeemed as a statement credit or used towards eligible purchases at Amazon.com or Amazon.com/Business.

• Welcome offer

  While not overly generous, the Amazon Business Prime American Express Card does offer new cardholders a welcome offer: Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.

• Rewards for non-Amazon purchases

  In addition to the 5% back rate for Amazon purchases, the Amazon Business Prime American Express Card also offers a solid cashback rate on purchases outside of Amazon: 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers, 1% on other purchases

To see the rates and fees of the Amazon Business Prime American Express Card, please click here.

• Tiered rewards program

  Business owners who are looking for simplicity in their card’s rewards program may balk at all the different rewards rate levels offered by the Amazon Business Prime American Express Card.

  That said, if do make substantial and frequent purchases through Amazon for your business, its consistent high rewards rate for those purchases can’t be beat.

  Plus, it’s nice that the card also offers ongoing rewards for non-Amazon purchases.

• Short interest-free periods

  When choosing to finance a purchase over time without paying interest, know that there are other credit cards that offer much longer promotional timeframes of up to a year or more in which to do that.

  However, if your business is facing a short-term cash crunch, opting for a 90-day interest-free financing period can help.

• Prime membership required

  As stated above, your business must be an Amazon Prime or Business Prime member ($139 and $69 a year, respectively) to qualify for the Amazon Business Prime American Express Card.

  Amazon does offer another credit card for non-Prime member businesses called the Amazon Business American Express Card.

  The main difference is a lower 3% rewards rate or 30-day interest-free financing on Amazon-affiliated purchases. It also has $0 annual fee and comes with the same rewards rate structure on non-Amazon purchases.

To see the rates and fees of the Amazon Business Prime American Express Card, please click here.

Compare it to the The Blue Business^® Plus Credit Card from American Express

The Amazon Business Prime American Express Card is comparable to another business card American Express offers — The Blue Business^® Plus Credit Card from American Express. But if you’re looking for a longer intro period and a flat-rate rewards program tailored to business expenses, The Blue Business^® Plus Credit Card from American Express is a great alternative.

Similar to the Amazon Business Prime American Express Card, The Blue Business^® Plus Credit Card from American Express has no annual fee and a long list of Amex benefits.

However, there’s a major difference between the cards — with The Blue Business^® Plus Credit Card from American Express, cardholders can earn rewards and utilize an interest-free intro period, but with the  Amazon Business Prime American Express Card, cardholders are required to choose one or the other.

The Blue Business^® Plus Credit Card from American Express offers an intro APR of 0% on purchases for 12 months from date of account opening (after, 18.24% - 26.24% variable APR). This is one of the longest intro periods for a business card we could find. Plus, you can utilize the intro period on all new purchases — you’re not restricted to purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market like the Amazon Business Prime American Express Card.

Overall, if you’re looking to maximize rewards while benefiting from paying your purchases during the intro period, The Blue Business^® Plus Credit Card from American Express is a better option.

To see the rates and fees for the The Blue Business^® Plus Credit Card from American Express, please click here.

If your business often shops at Amazon Business, Amazon.com and Whole Foods Market, or uses Amazon Web Services, the Amazon Business Prime American Express Card can be a great way to manage your cash flow and earn rewards.

You can choose between earning rewards on your purchases at Amazon or utilizing the interest-free payment terms to pay for eligible Amazon purchases without being hit with the interest that typically accrues when you carry a balance month to month. This card provides the flexibility to choose the option that works best for your business needs depending on your current situation.

Overall, business owners who are avid Amazon shoppers can benefit the most from the Amazon Business Prime American Express Card’s interest-free payment terms and rewards program. Beyond those benefits, you can also take advantage of the expense management tools, numerous insurances and shopping protections provided.

To see the rates and fees of the Amazon Business Prime American Express Card, please click here.

To see the rates and fees for the The Blue Business^® Plus Credit Card from American Express, please click here.

The information related to the Ink Business Cash^® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.