In this guide

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

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Amazon Business Prime 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
2 points per £1 spent
Earn rate (elsewhere)
1 point per £1 spent
Welcome giftcard
£100

Our verdict

Amazon's premium business card, the Amazon Business Prime credit card lets you get the most out of your Amazon business purchases.
Gold Finder Awards Badge
Finder Awards 2024 highly commended
Customer Satisfaction Award

Like the basic Amazon Business card, the Amazon Business Prime cards offer a choice of Amazon reward points (2%) or 90 day terms on UK purchases with Amazon.co.uk, Amazon Business and Whole Foods Markets.

However, the reward point bonus only applies on the first £120,000 you spend each calendar year, and reverts to 1% on any further purchases.

You can also earn back 0.5% on any other purchases, and points can be redeemed towards future Amazon purchases, or taken off your monthly card statement.

If you're not an existing member, you'll also receive a free year of Amazon Business Prime when you sign up. Existing Business Prime members will get a £100 Amazon gift card when they sign up.

The card normally has a £50 annual fee, but this is waived as part of your Amazon Business Prime membership.

Pros

  • You can extend payment terms by 90 days on each Amazon purchase, instead of earning rewards
  • Flexible reward options
  • Competitive purchase rate
  • Earn reward points on all your purchases

Cons

  • Annual fee of £50. No annual fee for your first year or if you spend £8,000 or more on the Card each year.
  • Representative APR is relatively high compared to other business credit cards
  • Cap on high reward point bonus rate

In this guide

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

Details

Product overview

Issuer American Express
Network Amex
Representative APR 39.7%
Annual/monthly fees £50. No annual fee for your first year or if you spend £8,000 or more on the Card each year.
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
Introductory Rewards Get a £100 Amazon.co.uk Gift Card upon approval
Incentive
Earn 2% Amazon Rewards for every £1 spent on selected Amazon purchases and 0.5% Amazon Rewards for every £1 spent on all purchases elsewhere.
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.
Potential costs 3.6 ★★★★★
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 £50. No annual fee for your first year or if you spend £8,000 or more on the Card each year.
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
Dormancy fee £0

Application requirements

Minimum Age 18
Residency UK resident

How does this card compare with other similar cards on the market?

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
Finder Award
£100 GIFTCARD
Amazon Business Prime American Express Card
4.0
★★★★★
28.3%
£50. No annual fee for your first year or if you spend £8,000 or more on the Card each year.
2 points per £1 spent with selected partners
1 point per £2 spent elsewhere
39.7% APR (variable)
Card details
Earn 2% Amazon Rewards for every £1 spent on selected Amazon purchases and 0.5% Amazon Rewards for every £1 spent on all purchases elsewhere.
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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The competition

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
4.2
★★★★★
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).
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
3.7
★★★★★
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)
4.2
★★★★★
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
3.9
★★★★★
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.
British Airways American Express® Accelerating Business Card
3.8
★★★★★
28.5%
£250 per annum
1.5 points per £1 spent
108.4% APR (variable)
Go to siteCard details
Earn 1.5 Avios for every eligible £1 spent on purchases. Plus, for every £20,000 spent on the card, receive another 10,000 bonus Avios points, up to 3 times per year. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 28.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 108.4% APR (variable).
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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 American Express'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 Prime American Express Card

To apply for an Amazon Business credit card, you’ll need to complete the following steps:

  1. Sign in to your Amazon account online
  2. Complete the application form, including your business and personal details
  3. Review and submit your application
  4. Wait for approval

You’ll also need to have an Amazon Business account to be approved for the card. If you don’t have an existing account, you’ll need to register for one as part of your application.

Customer support

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

The bottom line

Overall, the Amazon Business Prime credit card should prove a popular option for regular Amazon business customers looking to get the most out of their spending. With the option of generous Amazon Rewards or extended terms on Amazon purchases, it also offers a lot of flexibility in how you use your card, a definite bonus for businesses looking to better manage their spend and cash flow.

Frequently asked questions

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

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

Can I withdraw cash using the Amazon Business Prime 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 Prime 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 Prime 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 (£171.17), it'll cost you around £5.12 in fees.

Can I get additional Amazon Business Prime 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.

Your reviews

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