In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
  • Your reviews
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Amazon Business American Express Card review

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Amazon Business American Express Card
4.0
★★★★★
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 28.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 39.7% APR (variable).
Earn rate at Amazon
1.5 points per £1 spent
Earn rate (elsewhere)
1 point per £1 spent
Welcome giftcard
£100

Our verdict

Amazon has joined the business credit card game with two reward-focused cards, including the standard Amazon Business card.
Gold Finder Awards Badge
Finder Awards 2024 highly commended
Customer Satisfaction Award

With two personal reward cards already available, Amazon has extended its credit range with a pair of business credit cards that let you earn bonus reward points on all Amazon purchases.

Both the Amazon Business card and Amazon Business Prime card offer a choice of Amazon reward points (1.5% and 2% respectively) or extended terms on UK Amazon purchases, and have a purchase rate of 28.3% p.a. There's also a £50 annual fee, which bumps up the representative APR.

Reward point bonuses also only apply to the first £120,000 you spend each calendar year, and then revert to 1% on any further purchases. You'll also receive a £100 Amazon gift card when you sign up.

Points can also be earned on any other purchases, and can be redeemed towards Amazon purchases, or taken off your monthly card statement.

As expected, you'll also get the standard benefits offered by American Express, including global 24/7 customer service, emergency card replacement, and complementary additional cards.

Pros

  • Flexible reward options on purchases
  • Points can be used on Amazon or taken off monthly statement

Cons

  • Year 1 - £0, Year 2 onwards - £50 per annum annual fee
  • Bonus reward points only apply on Amazon purchases

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
  • Your reviews

Details

Product overview

Issuer American Express
Network Amex
Annual/monthly fees Year 1 - £0, Year 2 onwards - £50 per annum
Balance transfers 28.3%
Balance transfer fee 3%
Purchases 28.3%
Purchases interest-free period Up to 56 days
Money transfers 28.3%
Cash advances 33.7%
Minimum credit limit £1,500
Maximum credit limit Subject to status
Additional cards available 20
Incentive Earn 1.5% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 60 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Additional Rewards Info Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences.
Introductory Rewards Get a welcome offer of £25 in value and receive a further £75 when you spend £1,000 in the first 3 months of Card Membership.
Potential costs 3.5 ★★★★★
Doing its job 4.0 ★★★★★
Extras 5.0 ★★★★★
Overall Finder score 4.0 ★★★★★

Fees and charges

Minimum monthly payment 2% or £25 (whichever is greater) or the total of any interest, default fees and charges, 1/12th of annual fee plus 2% of the outstanding balance.
Annual/monthly fees Year 1 - £0, Year 2 onwards - £50 per annum
Balance transfer fee 3%
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 3% (min. £3)
Late payment fee £12
Duplicate statement fee £2
Exceeding limit fee £0
Additional card fee £0
Additional card fee note Up to 99 complimentary Supplementary Cards
Dormancy fee £0

How does it compare?

Amazon's card

1 - 1 of 1
Name Product Finder score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Amazon Business American Express Card
4.0
★★★★★
28.3%
Year 1 - £0, Year 2 onwards - £50 per annum
1.5 points per £1 spent with selected partners
1 point per £2 spent elsewhere
39.7% APR (variable)
Card details
Earn 1.5% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 60 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Representative example: When you spend £1,200 at a purchase rate of 28.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 39.7% APR (variable).
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Other popular business cards

Table: promoted then other popular deals
Name Product Finder score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Finder Award
CASHBACK
Capital on Tap Business Credit Card
4.0
★★★★★
35.15%
£0
1 point per £1 spent
35.2% APR (variable)
Go to siteCard details
Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.2% APR (variable).
Barclaycard Payments Select Cashback Business Credit Card
4.0
★★★★★
27.5%
£0
1% cashback uncapped*
27.5% APR (variable)
Go to siteCard details
*Get 1% uncapped cashback on all your business spend. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 27.5% (variable) p.a., your representative rate is 27.5% APR (variable).
Finder Award
CASHBACK
Capital on Tap Business Credit Card (+optional Business Rewards)
4.0
★★★★★
35.15%
£99 per annum
1 point per £1 spent
35.15% APR (variable)
Go to siteCard details
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.15% APR (variable). Optional upgrade to Business Rewards (£99 per year).
Barclaycard Select Charge Card
3.5
★★★★★
N/A (this product is a charge card).
£42 per annum
N/A
3.6% APR (variable)
Go to siteCard details
Control spend and manage business expenses. Access to business rewards with discounts and offers from leading retailers and suppliers. T&Cs apply.
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Repayment options

You can make manual repayments through Amazon's app by logging in to your online banking or over the phone (0800 917 8043). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Amazon Business American Express Card

You can apply for an Amazon Business Prime credit card online by following these steps:

  1. Sign in to your Amazon account.
  2. Fill in your business and personal details on the application form.
  3. Review and submit your application.
  4. Wait for approval.

You’ll need to have an Amazon Business account to be eligible for the card, so if you don’t have an existing account, you’ll also need to complete the registration process as part of your application.

Customer support

To contact customer support for the Amazon Business American Express® Card, you can phone 0800 731 0146.

The bottom line

The Amazon Business credit card is a good option for businesses who do quite a bit of spending on Amazon. With a decent purchase rate, and choice of additional reward points or extended payment terms, there’s a lot of flexibility in what you can get out of the card.

You also have the choice of using your reward points to cover Amazon purchases or taken off your monthly card statement, which can be helpful for businesses looking to improve their cash flow.

Frequently asked questions

What credit limit will I get with the Amazon Business American Express Card?

If Amazon offers you this deal, it will specify a tailored credit limit based on Amazon's assessment of your situation and your business. The minimum limit offered on this card is £1,500, and Amazon does not specify a maximum. Once you've had the card for a while and shown Amazon you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Amazon Business American Express Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Amazon Business American Express Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 33.7% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Amazon Business American Express Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£172.37), it'll cost you around £5.15 in fees.

Can I get additional Amazon Business American Express Cards for my team?

Yes, you can request up to 20 more. There's no fee for additional cards. Plus, with additional cards, you could earn rewards at a faster rate.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score business credit and charge cards to determine their value against similar products on the market. We look at a number of important factors, like the flexibility it offers, any rewards you can earn through company spending, account management tools, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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