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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

15.74% to 23.74%

Purchase APR (variable)

Details

Product NameAmazon Business Prime American Express Card
Card typeAmerican Express
Annual fee$0
Purchase APR15.74% to 23.74% variable
Balance transfer APRN/A
Cash advance rate26.49% 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

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

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, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No annual fee
  • Terms apply
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Read more
See Rates & Fees

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 on those purchases. After the interest-free period, your rate reverts to a 15.74% to 23.74% 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%.

  • Welcome offer.

    Once you’re approved for the card, get a $125 Amazon gift card. Plus, you’ll earn an additional $100 in statement credit when you spend $3,000 in the 2% back and 1% back categories within your first 3 months.

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 the American Express® Business App, 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.

  • Short 0% APR period.

    You can only get 90 interest-free days for Amazon Business, AWS, Amazon.com and Whole Foods Market purchases if you choose this option instead of cash back. But you won’t get a longer 0% intro APR period. 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
Ink Business Preferred℠ Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.49% to 22.49% variable
$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®
American Express® Blue Business Cash Card
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.74% to 20.74% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
The Business Platinum® Card from American Express
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
N/A
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
The Blue Business® Plus Credit Card from American Express
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.74% to 20.74% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
American Express® Business Gold Card
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
15.74% to 23.74% variable
$295
Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees

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 interest-free days 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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