Amazon Business Prime American Express Card review

Amazon Business Prime American Express Card benefits

• Choose your rewards.

  You have the option to earn 5% cash back as a statement credit on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on up to $120,000 annually, reverting to 1% after. Alternatively, you may choose an interest-free period on those purchases. After the interest-free period, your rate reverts to a 14.24% to 22.24% variable APR (Terms apply, 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%. This cash back is earned as a statement credit on your account.

• Welcome offer.

  Once you’re approved for the card, get a $125 Amazon gift card.

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 29.24% 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

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Name	Product	Rewards	Purchase APR	Annual fee
Premium Capital on Tap Business Credit Card		2% cashback on all purchases	9.99% to 34.99% variable	$0	Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.	Apply now View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card		1.5% cash back on all purchases	0% intro for the first 12 months (then 13.24% to 19.24% variable)	$0	$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.	Apply now View details	Compare	loading Fetching your data...
Sam's Club® Business Mastercard®		Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases	14.9% to 22.9% variable	$0	Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases. No personal guarantee required.	See offer View details	Compare	loading Fetching your data...

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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 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.

Frequently asked questions

• Is the card made of metal?

  Yes, this is a metal card.

• How does the 90-day interest-free period work?

  If you choose this option, you have 90 days from your account opening to pay your balance. Once the 90 days pass, you’ll pay interest on any remaining balance at the standard APR of 14.24% to 22.24% variable. The 90-day interest-free period only applies for purchases from Amazon Business, AWS, Amazon.com and Whole Foods Market. The standard APR will apply to all other purchases.

• When can I use the Amazon gift card?

  Amazon will load the gift card to the account that applied for the card as soon as you’re approved. In some cases, you may be asked to open a new business account and once you do, it will load the gift card to your new account.