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 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 (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.

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
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	15.99% to 20.99% variable	$95	100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards&reg	Apply now View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card		5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other 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 in the first 3 months.	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...
United℠ Business Card		Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.	16.49% to 23.49% variable	$0 intro annual fee for the first year ($99 thereafter)	Earn 60,000 bonus miles after $3,000 in purchases within the first 3 months of account opening. Plus, get a $0 intro annual fee for the first year, then $99.	Apply now View details	Compare	loading Fetching your data...
Universal Premium Mastercard®		3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network	27.24% variable	Up to $120	Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Performance Business Credit Card		3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases	15.99% to 22.99% variable	$199	Earn 70,000 points when you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months.	Apply now View details	Compare	loading Fetching your data...
Brex 30 Card		7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases	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.	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Business Credit Card		2x points on Southwest Airlines and 1x points on all other purchases	15.99% to 22.99% variable	$99	Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.	Apply now View details	Compare	loading Fetching your data...
BP Business Solutions Mastercard®		Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month	27.24% variable	Up to $120	Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.	Apply now View details	Compare	loading Fetching your data...
ARCO Business Solutions Fuel Card			18.24% to 27.24% variable	Up to $180	The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.	Apply now 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.