How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Amazon Business Prime American Express Card Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.3
Amazon Business Prime American Express Card
Rewards Rate
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
Foreign Transaction Fee
None
Regular Purchase APR
19.49% - 27.49% Variable
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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

Our take: If your business spends heavily on Amazon products, you can benefit from this card’s exceptionally high earning rate on those purchases. But if you want to earn a generous rewards rate from other retailers or finance a large purchase, you may want to consider a different business card.

Is the Amazon Business Prime American Express Card worth it?

With the Amazon Business Prime American Express Card, you can choose between earning 5% cash back or receiving a 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.

This is one of the highest cash back rates currently available on Amazon-related purchases. Plus, you’ll get a solid ongoing rate at U.S. restaurants, U.S. gas stations and wireless telephone services purchased directly from U.S. service providers.

But while there’s no annual fee with this card, you are required to have an eligible Amazon Prime membership. So if you’re an existing Prime member, you can get a lot of value on the Amazon purchases you’re already making — or if you find yourself in need of short-term financing, the 90-day term may be helpful.

But if you want more flexibility on where you can earn a high cash back rate or a longer 0% intro APR on purchases, you should look at other business credit cards.

*To see rates & fees for Amazon Business Prime American Express Card, please click here.

Quick facts

    • 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
    • $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.
    • 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.
  • 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
  • 660 720 850
    Good/Excellent
  • Foreign transaction fees: None
  • Ability to connect to QuickBooks (enrollment required)
  • Extended warranty
  • Purchase protection
  • Dispute resolution
  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Exclusive prices and quantity discounts on eligible Amazon products

Intro Purchase APR

N/A

Regular Purchase APR

19.49% - 27.49% Variable

Intro BT APR

N/A

Regular BT APR

N/A

Annual Fee

No annual fee

Cash Advance Fee

Either $5 or 3% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

Pros and cons

  • High rewards rate on Amazon purchases
  • Cash back on non-Amazon purchases
  • Solid welcome offer
  • No annual fee
  • No foreign transaction fees
  • 5% rate limited to Amazon-related purchases
  • Cap on 5% bonus
  • Short no-interest period terms
  • Prime membership required

What we like about the Amazon Business Prime American Express Card

  • High rewards rate on Amazon purchases

    If you opt to earn rewards instead of 90-day financing, you’ll get 5% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on the first $120,000 in purchases per calendar year, then 1% back on those purchases.

    This is one of the best cash back rates you can currently earn on Amazon-related purchases. In fact, if you max out the $120,000 annual spending cap, you’ll earn $6,000 back — which will more than make up for your Amazon Prime membership fee each year.

    Just know that if you choose the 90-day interest-free financing option for a purchase, you won’t qualify for the 5% cash back rate.

  • Rewards on non-Amazon purchases

    This card also lets you earn a solid, ongoing rate of 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. While it is possible to earn a higher rewards rate on those purchases from a different card, this rate is on par for a $0-annual fee business card.

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

  • Welcome offer

    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.

  • No annual fee

    This card charges no annual fee; however, you will be required to pay a Prime membership fee in order to earn rewards or take advantage of the 90-day pricing term.

    If you don’t already have Prime membership, you may want to consider a business credit card that charges a $0 annual fee and offers a comparable cash back rate, like the Ink Business Cash® Credit Card.

  • No foreign transaction fees

    Some cards charge fees ranging from 3% to 5% of the amount of each purchase when you use it to make purchases outside the U.S., but this card does not.

*To see rates & fees for Amazon Business Prime American Express Card, please click here.

What to look out for with the Amazon Business Prime American Express Card

  • 5% cash back rate limited to Amazon purchases

    This card only lets you earn the highest cash back rate on Amazon-related purchases. So if you incur the majority of your business expenses at other retailers, you’ll be better off with a card that offers up to 5% back on those purchases, like the Ink Business Cash® Credit Card.

  • Cap on 5% earning rate

    The Amazon Business Prime American Express Card limits the amount of rewards you can earn at the 5% 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.

  • Short interest-free periods

    If your business has a fluctuating cash flow and sometimes carries a balance, a card that offers an interest-free period on purchases can be helpful. But while the Amazon Business Prime American Express Card provides the option to pay off eligible purchases over 90 days without incurring interest charges, that’s not a long time period. Plus, you only qualify for this offer if you forgo earning 5% cash back with Amazon.

    Instead, you may want to opt for a business credit card with a 0% intro APR on purchases for 12 months or longer. The U.S. Bank Business Platinum Card, for example, provides a 0% intro APR on purchases for 18 billing cycles, then a 17.24% to 26.24% APR applies.

  • Prime membership required

    This card requires you to have an eligible Prime membership to earn the highest cash back rate and 90-day financing terms.

    Amazon does offer a business card option for non-Prime members — the Amazon Business American Express Card. This card offers the same earning rate at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased from the U.S. as the Amazon Business Prime American Express Card. However, it comes with a lower 3% back rate or 60-day term on eligible Amazon-related purchases.

*To see rates & fees for Amazon Business Prime American Express Card, please click here.

Alternate business cards to the Amazon Business Prime American Express Card

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

| Disclosures
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
apply-now-icon Apply Now
on Chase's secure site
0% Intro APR on Purchases for 12 months
18.49% to 24.49% Variable
$0
Earn 5% cash back on the first $25,000 spent in combined purchases
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • 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 purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
If you make the majority of your purchases outside of Amazon, or you plan to carry a balance on your card from month to month, the Ink Business Cash® Credit Card may be a better option.

The $0-annual-fee card lets you 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. There’s also a valuable sign-up bonus that lets you earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

You can redeem those rewards for cash, gift cards or travel. You can also use points to pay for products or services, or transfer them to a Chase Ultimate Rewards® card to redeem for travel at a more valuable rate.

Plus, if you need to make a large business purchase and pay it off over time, the Ink Business Cash® Credit Card offers a 0% Intro APR on Purchases for 12 months. After that, a 18.49% to 24.49% Variable APR will apply.

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

| Disclosures
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
0% on purchases for 12 months from date of account opening
18.49% - 26.49% Variable
No annual fee
Earn 2X Membership Rewards® points on everyday business purchases such as office
  • 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, 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
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
If you prefer a simple approach to earning business rewards, you may want to consider The Blue Business® Plus Credit Card from American Express. You’ll 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. If you max out the $50,000 annual spend cap, you can get $1,000 back each year.

Similar to the Ink Business Cash® Credit Card, this card has no annual fee annual fee and offers an intro APR of 0% on purchases for 12 months from date of account opening. After that, an 18.49% - 26.49% variable APR applies.

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

Is the Amazon Business Prime American Express Card right for you?

If your business spends a substantial amount each year on Amazon-related purchases at Amazon Business, Amazon Web Services, Amazon.com and Whole Foods Market, 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 a year-long interest-free period 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 Blue Business® Plus Credit Card from American Express could work better for you.

apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply
*To see rates & fees for Amazon Business Prime American Express Card, please click here.
*To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.
*To see rates & fees for Amazon Business Prime American Express Card, please click here.

The information related to the U.S. Bank Business Platinum Card and Amazon Business American Express Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.