Amazon Business American Express Card review
This is card is a solid choice for business owners who frequently shop with Amazon, but don't have an Amazon Prime membership. The card could also serve as a helping hand if you need extra time to pay off your purchases.
Jump to Section
Amazon Business American Express Card
- Rewards
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter. 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases.
- Welcome Bonus
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Annual Fee
- No annual fee
Key Features
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we're behind you.
- With rewards that don't expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Editor Analysis:
- Get a $100 Amazon gift card upon card approval.
- The choice is yours: Choose 3% back in select categories, or enjoy 60-day terms.
- Whether you choose 3% rewards in select categories or 60-day terms, cardholders will still earn 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.
- If you are an Amazon Prime member, you stand to earn higher rewards with the sister CardName, which doesn't charge an annual fee, but requires an Amazon Prime membership to be eligible for application. (See Rates and Fees)
The CardName is an intriguing option for small business owners who make a lot of purchases through Amazon. It could also be useful for businesses that need some extra time to pay off Amazon purchases. American Express is a CardRatings advertiser.
Does the card_name earn rewards?
Yes, you can bring home a decent haul of rewards with the CardName, especially if you make a lot of Amazon purchases.
First, if you’re approved for this card, you will automatically get a $100 Amazon gift card as a welcome bonus, putting rewards in your pocket right off the bat.
On an ongoing basis, you have the choice between two reward systems: cash back on purchases or 60 day terms on U.S. purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com and Whole Foods Market.
The cash-back option rewards you with 3% back in Amazon reward points on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods on the first $120,000 in purchases each calendar year (1% back thereafter). Additionally, the card earns 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers; and 1% on other purchases. You can apply your Amazon reward points to your statement as a credit or at checkout on Amazon.com. Points do not expire, so you can use them when you’re ready.
What are the benefits of the card_name?
The CardName offers a variety of benefits to assist you with your business needs.
To start, you’ll get a few travel perks for when work takes you on the road (or to the skies). This includes no foreign transaction fees and more. (See Rates and Fees) In addition to travel benefits, the CardName can help your business’ expense management with the following tools:
- Account Manager: Assign an American Express team member to manage your account and complete tasks such as making payments, reviewing transactions and adding employee cards.
- Employee Cards: Give your employees cards so you can easily track expenses and earn cash back on their purchases. You can also set alerts and spending limits for employee charges.
- Connect to QuickBooks: This allows transactions to be automatically tagged with your QuickBook categories.
- Year-End Summary: Receive a complete summary at the end of the year of your purchases categorized by month and purchase type.
- American Express App: Login to the app to track your spending and rewards, make a payment and receive alerts about your account.
- Vendor Pay by Bill.com: Enroll your card to pay your business’ bills. There may be additional fees depending on your plan and the number of users.
Who is eligible for the card_name?
To qualify for the CardName, you must have a good to excellent credit score.
Unlike with the CardName, you do not have to hold an Amazon Prime membership.
As for any business credit card, you need to have a business that you can list on the card’s application.
Does the card_name charge an annual fee?
There is no annual fee for the CardName. (See Rates and Fees)
As mentioned above, you are not required to have an Amazon Prime membership for this card. However, since you will earn the most rewards from Amazon-related purchases, it may be in your best interest to get a Prime membership anyway.
Membership grants you access to streaming on Prime Video and Music, plus priority shipping.
You may also be interested in joining Business Prime to get business-only pricing and fulfillment solutions.
What are the potential downsides of the card_name?
Because this card doesn’t require Amazon Prime membership, it opens up application to a wider audience; however, if you regularly shop on Amazon, the Amazon Prime membership may be a small price to pay for better rewards-earning potential. The CardName (full comparison below) offers a higher rewards rate in the same categories as the CardName, so if you’re already planning on spending a lot with Amazon, it might make sense to join Prime and go with the potentially more profitable Prime card option.
If you aren’t ready to take the Prime plunge, the CardName is a fine alternative. Remember though that bonus rewards are capped at $120,000 in purchases each year, then you only earn 1%. If you expect your business will exceed this amount each year on rewards purchases, you might want to consider a more flexible option.
Finally, if it’s an intro 0% APR interest period you’re looking for, there are much more lucrative, and flexible, options out there. Some 0% APR credit cards offer intro periods as long as 21 months.
How does the card_name compare to other cards?
CardName vs. CardName
discontinued_disclaimer
The CardName has many of the same rewards and benefits as the CardName but is reserved for Amazon Prime members.
It offers 2% back at U.S. restaurants, U.S. gas stations and cellphone services purchased directly from U.S. service providers, and 1% back on other eligible purchases, but instead of 3% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market or a 60-day term offer, the CardName offers the choice between 5% cash back or 90-day terms.
Another difference is in the welcome bonus. New CardName members can earn a $125 Amazon gift card upon card approval.
Neither card has an annual fee, but, again, the Prime Card requires a Prime membership. If you’re already a Prime member, or are considering Prime membership, the CardName could be the more lucrative choice. (See Rates and Fees)
CardName vs. CardName
discontinued_disclaimer
With CardName new cardholders can earn a $250 statement credit once making $3,000 in purchases on the card in the first three months of opening an account.
This card offers 2% cash back on eligible purchases, up up to $50,000 per year, and 1% cash back after that.
Unlike the Amazon card, in addition to earning rewards on eligible purchases, CardName offers intro 0% APR on purchases for 12 months from the date of opening an account (then RegAPR). CardName doesn’t make cardholders decide between ongoing rewards and payment terms.
CardName also gives the same expense management tools that the Amazon card offers, and neither card charges an annual fee. (See Rates and Fees)
Is the CardName a good card?
The CardName is a good card if you frequently shop with Amazon but don’t have an Amazon Prime membership. It may also serve as a helping hand if you need extra time to pay off your purchases.
In addition to its rewards, the CardName offers many expense management tools that can make your life a little easier.
Overall it is a good card that will earn decent rewards and can give your business a little leeway if you need it.
Frequently asked questions
Do I need a business for the card_name_placeholder?
How hard is it to get the card_name_placeholder?
Is there an annual fee for the card_name_placeholder?
Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
