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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 NameAmazon Business Prime American Express Card
Card typeAmerican Express
Annual fee$0
Purchase APR16.24% to 24.24% variable
Balance transfer APRN/A
Cash advance rate26.99% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $39
Rates & feesrates & 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.

Another card with cashback categories

American Express® Blue Business Cash Card

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, 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.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No annual fee
  • Terms apply
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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.

Best fuel cards for small business

You’ll also like …

  • 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.

Compare similar business credit cards

Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5% cash back on every purchase, every day.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
2x miles on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.

Compare up to 4 providers

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.

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