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Amazon Business Prime American Express Card review
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Earn cash back or use an intro APR on your Amazon business purchases with a Prime membership.
- Get this card if you use Amazon Web Services or Amazon for your business purchases.
- Pick something else if you want higher cash back on other categories.
- Apply with a good to excellent credit score of 670 or higher.
$125
Welcome offer
Up to 5%
Cash back
$0
Annual fee
16.24% to 24.24%
Purchase APR (variable)
Details
| Product Name | Amazon Business Prime American Express Card |
|---|---|
| Card type | American Express |
| Annual fee | $0 |
| Purchase APR | 16.24% to 24.24% variable |
| Balance transfer APR | N/A |
| Cash advance rate | 26.99% variable |
| Cash advance fee | $5 or 3% of the cash advance amount, whichever is greater |
| Penalty APR | 29.99% variable |
| Foreign transaction fee | None |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $39 |
| Returned payment fee | Up to $39 |
| Rates & fees | rates & fees |
The basics
Companies that use Amazon Business, Amazon.com and Amazon Web Services (AWS) — including cloud services, database storage and content delivery — can benefit from a card like the Amazon Business Prime American Express Card. With this card, you can either earn cash back on these purchases or get an intro APR.
However, to get this card you need an eligible Amazon Prime membership or a Business Prime membership.
The perks
Choose your rewards.
You have the option to earn 5% cash back on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market, or use an interest-free period for the first 90 days following your account opening on those purchases. After the interest-free period, your rate reverts to a 16.24% to 24.24% variable APR (see rates & fees).
Cash back.
On purchases at US restaurants, US gas stations and on wireless telephone services from US service providers you earn 2% cash back. Everything else you buy earns 1%.
Gift card.
Once you’re approved for the card, get a $ Amazon gift card.
You earn points on your purchases
When you make a purchase, you earn points. Redeem points for cash back or pay for your Amazon.com purchases at checkout.
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Amazon business tools.
Simplify your business expense reconciliation and get insights on your company purchases. In addition, set up spending limits for authorized users, set shared payment methods and more.
American Express management tools.
The card comes with Amex business tools, such as Spend Manager, account manager, the option to connect to QuickBooks and more.
No foreign transaction fees.
When traveling outside of the US, use your card freely and you won’t pay foreign transaction fees.
What to watch out for
Prime membership required.
To get this card, you must be an eligible Amazon Prime or Business Prime member. Amazon Prime costs $119 annually, while Business Prime costs $179 for up to three users.
Penalty APR.
Make your payments on time or you’ll pay a penalty APR of 29.99% variable. This can last for a minimum of 12 months if you fail to make on-time payments.
No intro APR period.
You can only get an intro APR for Amazon Business, AWS, Amazon.com and Whole Foods Market purchases for the first 90 days from account opening. You won’t get an intro APR period on other purchases or balance transfers. If that’s what you’re looking for, check out 0% intro APR cards.
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Bottom line
Business owners who are Amazon Prime or Business Prime members could find this card extremely helpful — especially if you use Amazon Business, AWS, Amazon.com and Whole Foods Market. You also get to choose between 90 days of deferred interest following your account opening or 5% cash back for purchases in these categories.
Aside from that, you also earn accelerated cash back at US restaurants, US gas stations and on wireless telephone services from US service providers.
If this card doesn’t quite fit your business, check out other business credit cards and compare your options.