Amazon Business American Express Card review | finder.com

Amazon Business American Express Card review

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Amazon Business American Express Card

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

30-second take

  • 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.
Product NameAmazon Business American Express Card
Card TypeAmerican Express
Annual Fee$0
APR (Annual Percentage Rate) for Purchases16.24% to 24.24% variable
Introductory Purchase APR

N/A

Introductory Balance Transfer APR

N/A

Foreign Transaction FeeNone
Cash Advance Fee$5 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment Fee$38
Rates & FeesRates & Fees
Minimum Age18 years of age
Reward Value per Dollar1% cash back

The basics

The Amazon Business American Express Card can be a great choice for companies that use Amazon Business, Amazon.com 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.

Another card with cashback categories

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No annual fee
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The perks

  • Choose your rewards.

    Earn either 3% cash back on US purchases at Amazon Business, AWS, Amazon.com 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 16.24% to 24.24%.

  • 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.

  • Gift card.

    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 or pay for your Amazon.com 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, spend manager, 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 29.99% 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, Amazon.com 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 APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.99% to 22.99% variable

N/A

$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)

N/A

$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
17.74% to 25.74% variable

N/A

$0 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

Compare up to 4 providers

Amazon Business Prime American Express Card

Bottom line

Companies that use Amazon services like Amazon Business, AWS, Amazon.com 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

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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