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Amazon Business American Express Card review

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 and you don’t have an Amazon Prime membership.
  • 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.

Either 3% back on up to $120,000 (then 1%) or enjoy 60 day terms on US purchases at Amazon Business, AWS, and Whole Foods Market. 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases



Annual fee

14.24% to 22.24% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offer$100 gift card upon approval
RewardsEither 3% back on up to $120,000 (then 1%) or enjoy 60 day terms on US purchases at Amazon Business, AWS, and Whole Foods Market. 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases
Purchase APR14.24% to 22.24% variable
Balance transfer APRN/A
Minimum Credit Score670
IssuerAmerican Express

Review by

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. 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. Either earn accelerated cash back or 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.

Amazon Business American Express Card benefits

  • Choose your rewards. Earn either 3% cash back as points on US purchases at Amazon Business, AWS, and Whole Foods Market on up to $120,000 annually, reverting to 1% back after, 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% (Terms apply, 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. This “cash back” is earned as points which you can then redeem as a statement credit.
  • Welcome offer. Upon approval get a $100 Amazon gift card.

You earn cash back as points

With each purchase you make, you earn points. Redeem points for cash back in the form of a statement credit or pay for your purchases at checkout.

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 card offering 0% intro APR .

Compare similar business credit cards

Name Product Rewards Purchase APR Annual fee
Premium Capital on Tap Business Credit Card
2% cashback on all purchases
9.99% to 34.99% variable
Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.
Ramp Visa® Commercial Card
1.5% cashback on all purchases
Replace expense reports with unlimited virtual and physical cards. Automate your accounting, lower your bills, and earn 1.5% cash back on everything.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.

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 credit cards for businesses and compare your options.

Frequently asked questions

How does the 60-day interest-free period work?

If you choose the deferred interest option, you’ll need to pay your balance within 60 days of your account opening. Otherwise, you’ll accrue interest on any purchases made. If you make payments within the 60 days, you’ll only pay interest on the remaining balance, if any.

Your rate on these purchases reverts to your standard APR of 14.24% to 22.24% variable after the interest-free period ends. This introductory interest period only applies to purchases from Amazon Business, AWS, and Whole Foods Market. All other purchases will accrue interest at the standard APR.

How can I earn more cash back on Amazon purchases?

Become an Amazon Prime or a Business Prime member and you can upgrade or apply for the Amazon Business Prime American Express Card, which allows you to earn even more.

What’s the value of having a Business Prime membership?

It depends. With a Business Prime membership you get fast and free two-day shipping or same-day shipping for orders over $35. You also get discounted expedited shipping or consolidated shipping — more items into fewer packages — on eligible orders. If your business could use these services, a Business Prime membership may be worth having.

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