Amazon Business Prime American Express Card review | finder.com

Amazon Business Prime American Express Card review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Amazon Business Prime American Express Card

Earn cash back or use an intro APR on your Amazon business purchases with a Prime membership.

30-second take

  • 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.
Product NameAmazon Business Prime American Express Card
Card TypeAmerican Express
Annual Fee$0
APR (Annual Percentage Rate) for Purchases16.49% to 24.49% 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

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

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
Read less
Read more
Promoted

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 16.49% to 24.49% variable APR.

  • 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 $125 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 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

Read the Amazon Business American Express Card review

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.

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site