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Amazon Business American Express Card review

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Earn accelerated cash back or get interest-free days on your business Amazon purchases.

  • Get this card if you use Amazon Web Services or if you use Amazon for your business purchases.
  • Pick something else if you want higher cash back on these or other categories.
  • Apply with a good to excellent credit score of 670 or higher.


Welcome offer

Up to 3%

Cash back


Annual fee

14.24% to 22.24%

Purchase APR (variable)


Product NameAmazon Business American Express Card
Card typeAmerican Express
Annual fee$0
Purchase APR14.24% to 22.24% variable
Balance transfer APRN/A
Cash advance rate24.99% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Penalty APR29.24% variable
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment fee$39
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Amazon Business American Express Card can be a great choice for companies that use Amazon Business, and Amazon Web Services (AWS) — which includes cloud services, compute power, database storage and content delivery. You can either earn accelerated cash back or you can free up some capital and use an intro APR on these purchases.

Furthermore, you get to use a cool set of Amazon business and American Express management tools where you can set up card limits for authorized users, simplify expenses or export your data to QuickBooks.

The perks

  • Choose your rewards.

    Earn either 3% cash back on US purchases at Amazon Business, AWS, and Whole Foods Market, or get 60 interest-free days following your account opening on those purchases. After the intro period is up, your rate reverts to a variable APR of 14.24% to 22.24% (see rates & fees).

  • Cash back.

    No matter which reward you choose, you still get 2% cash back at US restaurants, US gas stations and on wireless telephone services purchased directly from US service providers. On all other purchases, earn 1% cash back.

  • Welcome offer.

    Upon approval get a $100 Amazon gift card. You’ll also earn $100 in statement credit when you spend $3,000 in the 2% back and 1% back categories within your first 3 months from account opening.

You earn cash back as points

With each purchase you make, you earn points. Redeem points for cash back or pay for your purchases at checkout.

Best fuel cards for small business

You’ll also like

  • Amazon business tools.

    Get insights on your company purchases and simplify expense reconciliation where every item you purchased is listed in an easily downloadable file from your online statement. Also, you can set up multi-user accounts, shared payment methods and spending limits for each user.

  • American Express management tools.

    Use the standard Amex business tools, such as account manager, the American Express® Business App, QuickBooks connection capability, custom account alerts and more.

  • No annual fee.

    You get all the rewards and tools without paying an annual fee.

  • No foreign transaction fees.

    This isn’t a travel card, but if you happen to go abroad you can use the card for purchases without incurring foreign transaction fees.

What to watch out for

  • Penalty APR.

    If you make a returned payment or two late payments within 12 months, you’ll incur a penalty APR of 29.24% variable. Once the penalty APR applies to your account it will last for a minimum of 12 months if you make timely payments. If you don’t — it can last indefinitely.

  • No intro APR period.

    Unless you opt in for the interest-free period for the first 60 days of card membership you won’t get any intro APR period on purchases or balance transfers. Even if you do, the deferred rate only applies to Amazon Business, AWS, and Whole Foods Market purchases. If you’re looking to transfer your balance or make a large purchase and pay off your balance interest-free, consider a 0% intro APR card.

Compare similar business credit cards

Name Product Rewards Purchase APR Annual fee
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases
15.99% to 24.99% variable
$0 intro annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
Brex for Startups
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Brex for Ecommerce
60-day interest-free financing for e-commerce businesses.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
28.99% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.

Compare up to 4 providers

Bottom line

Companies that use Amazon services like Amazon Business, AWS, and Whole Foods Market could benefit with the Amazon Business American Express Card. You can choose to get cash back on these purchases or get a 60-day interest-free period to free up some capital.

Also, you get to earn accelerated cash back at US restaurants, US gas stations and on wireless telephone services purchased directly from US service providers. And you get to use advanced reporting tools by Amazon and American Express.

However, if you don’t find this card appealing, feel free to take a look at other business credit cards and compare your options.

Frequently asked questions

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