Review
Updated
Fact Checked
Nathan Alderman
Offer status
The information for the Amazon Business Prime American Express Card has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
The Amazon Business Prime American Express Card is a no annual fee business credit card that earns rewards. Amazon Prime members can get 5% back ($120,000 spending cap annually) on eligible purchases from:
- Amazon Business
- AWS
- Amazon.com
- Whole Foods Market
Alternatively, they can take advantage of 0% interest for 90 days on eligible purchases. Read our full Amazon Business Prime American Express Card review to see if this is the right business credit card for you.
Amazon Business Prime American Express Card
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.99%-26.99%, variable
Rewards Choose 5% back (applies to the first $120,000 in purchases each calendar year,) or 90 day terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Otherwise, earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. Earn 1% Back on other purchases
1%-5% cash back
Annual Fee
$0
Welcome Offer Get a $100 Amazon gift card upon approval. Eligible Prime members get a $125 Amazon gift card upon approval
$100-$125 Amazon gift card
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A solid business card for Amazon Prime members who want to earn rewards on Amazon Business, AWS, Amazon.com, and Whole Foods Market purchases -- or take advantage of favorable financing terms.
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- No annual fee
- Earn rewards
- Optional 0% interest payment terms
- Welcome offer
- No foreign transaction fees
- Non-Prime members earn less rewards
- No rewards earned on 0% interest purchases
- Limited redemption options
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- Get an Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card
- No annual fee
- Choose 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership
- Earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- Earn 1% Back on other purchases
- 5% back applies to the first $120,000 in purchases each calendar year, 1% thereafter
- Expense management tools, including Account Manager, Employee Cards, Account Alerts, AMEX Business App, Vendor Pay, and Year-End Summary
- Amex ranked #2 in the 2018 J.D. Power U.S. Credit Card Satisfaction Study℠
The information for the Amazon Business Prime American Express Card has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
Full Amazon Business Prime American Express Card review
This credit card is a good fit for: Amazon Prime members who want to earn cash back on purchases at Amazon Business, Amazon.com, Amazon Web Services (AWS), and Whole Foods Market.
Top perks
These are the top features of the Amazon Business Prime American Express Card.
No annual fee
There is no annual fee to use the Amazon Business Prime American Express Card (see rates and fees). If you're looking for a credit card without a yearly fee, this card meets that requirement.
Earn rewards
You can earn rewards when using the Amazon Business Prime American Express Card to make U.S. purchases at:
- Amazon Business
- AWS
- Amazon.com
- Whole Foods Market
Prime members earn 5% and non-Prime members earn 3%. There's a spending cap of $120,000 each calendar year to earn these rewards. After the above spending cap is reached, eligible purchases earn 1% rewards.
All cardmembers also earn the following rewards:
- 2% back on purchases at U.S. restaurants, gas stations, and wireless telephone services purchased directly from service providers
- 1% back on other purchases
Terms apply.
See more: Best Cash Back Credit Cards
Optional 0% interest 60- or 90-day payment terms on eligible purchases
Cardmembers also have the option of 0% interest payment terms on eligible purchases:
- Prime members: Eligible for 90-day payment terms
- Non-Prime members: Eligible for 60-day payment terms
Terms apply. Keep in mind that if you choose to use these 0% interest payment terms, you'll be ineligible to earn 5% or 3% back in rewards on the associated purchases. You must choose one or the other.
If you need to make a large purchase, this offer could give you more time to pay it off without worrying about expensive interest charges.
Amazon gift card offer
New cardholders are eligible for an Amazon gift card offer. Get a $100 Amazon gift card upon approval. Eligible Prime members get a $125 Amazon gift card upon approval. Terms apply.
Read more: Best Credit Cards for Amazon
No foreign transaction fees
If you plan to use this credit card while traveling internationally, you can do so with confidence. No foreign transaction fees are charged when using the Amazon Business Prime American Express Card (see rates and fees). Similar cards can charge 3% per foreign transaction.
High spending cap
While there's a yearly spending cap for the bonus rewards, it's a high one. You can earn rewards on up to $120,000 in spending per year -- which is much more generous than many other rewards credit cards.
Alternatives to consider
- If you want to earn an unlimited 5% on Amazon purchases: The Prime Visa has no annual fee and offers Prime members unlimited 5% earning on Amazon and Whole Foods purchases. While not a business card, there's no spending cap on the bonus earning rate.
- If you want to earn rewards on gas and Costco purchases: The Costco Anywhere Visa® Business Card by Citi card has no annual fee as long as you're a Costco member. You can earn 4% on up to $7,000 per year spent on gas, including at Costco, and an unlimited 2% on Costco and Costco.com purchases.
See more: Best Grocery Credit Cards
As of Apr. 16, 2024
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Amazon Business Prime American Express Card |
Prime Visa | Costco Anywhere Visa® Business Card by Citi |
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Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
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Apply Now for Prime Visa
On Chase's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Excellent (740-850) |
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Welcome Offer: Get a $100 Amazon gift card upon approval. Eligible Prime members get a $125 Amazon gift card upon approval $100-$125 Amazon gift card |
Welcome Offer: Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members Get a $100 Amazon Gift Card |
Welcome Offer: N/A |
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Rewards Program: Choose 5% back (applies to the first $120,000 in purchases each calendar year,) or 90 day terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Otherwise, earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. Earn 1% Back on other purchases 1%-5% cash back |
Rewards Program: Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases 1% - 5% back |
Rewards Program: 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases 1% - 4% back |
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Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
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Regular APR: 18.99%-26.99%, variable |
Regular APR: 19.49% - 27.49%, variable |
Regular APR: 20.49% (Variable) |
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Annual Fee: $0 |
Annual Fee: $0 |
Annual Fee: $0 for Costco members |
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Highlights:
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Apply Now for Prime Visa
On Chase's Secure Website. |
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The information for the Amazon Business Prime American Express Card has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
What could be improved
The Amazon Business Prime American Express Card has some flaws worth noting.
Non-Prime members earn fewer rewards
The Amazon Business Prime American Express Card is designed with Amazon Prime members in mind. If you're not an Amazon Prime member, you'll earn fewer rewards with this card. While this card has no annual fee, business Prime memberships begin at $69 per year. If you want to maximize the reward potential of this card, your best bet is to be an Amazon Prime member.
No rewards on 0% interest purchases
Cardholders must choose whether to earn rewards or take advantage of no-interest payment terms for eligible purchases. Unfortunately, you can't do both.
Limited 0% interest
If you choose to use the 60- or 90-day no-interest payment terms, you'll want to keep in mind that this is only available for eligible Amazon Business, AWS, Amazon.com, and Whole Foods Market purchases. Terms apply. What's more, the time frame is short.
If you need more time to pay off costly business expenses, there are 0% intro APR credit cards with much longer terms -- many offer an intro APR for 15 to 18 months.
Limited redemption options
You can redeem points earned with the Amazon Business Prime American Express Card in one of two ways. You can use points to shop at Amazon.com and Amazon Business, or you can apply points toward a purchase in the form of a statement credit.
If you're looking for a rewards credit card with more flexible redemption options, you'll want to look elsewhere.
Suggested credit score
This credit card is intended for consumers with good to excellent credit. A FICO® Score of 670 is recommended when applying for the Amazon Business Prime American Express Card. It's possible to get approved with a lower score or be denied with a higher credit score.
You need a business to apply for this credit card, but various business types qualify. As an example, entrepreneurs, freelancers, and small business owners may be eligible for a business credit card.
See more: Best American Express Credit Cards
The Amazon Business Prime American Express Card is right for you if:
This card could be an excellent option if you're a business owner who regularly shops at Amazon Business, AWS, Amazon.com, or Whole Foods Market.
You may also want to consider this card if:
- You want a no annual fee business card
- You're an Amazon Prime member or plan to become one
- You could benefit from the 0% interest payment terms
However, this may not be the right business card for you if:
- You're not an Amazon Prime member
- You don't shop at Amazon Business, AWS, Amazon.com, or Whole Foods often
- You want more flexibility with how you redeem awards
- You want a credit card with a longer 0% interest offer
If that's the case, other business credit cards may work better for your needs.
Our Credit Card Methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
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This credit card is open to all eligible business owners, whether you're an Amazon Prime member or not. However, to maximize your rewards you'll want to be an Amazon Prime member as well.
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If you can pay off the purchase by the payment due date, the 5% cash back puts extra money in your pocket. But if you need longer to pay off a larger purchase, the 60- or 90-day payment terms may be a more sensible option.
Our Credit Cards Experts
Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.
Steven is a personal finance writer covering topics from mortgages to credit cards to market news. He has written for The Motley Fool Canada, Ramsey Solutions, Nerdwallet, Clever Real Estate, and other major outlets. Steven launched his writing career at the age of four with his first book, "Revenge of the Bad Guys." He currently lives in Portland, Oregon.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
American Express is an advertising partner of The Ascent, a Motley Fool company. Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Citigroup is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, Costco Wholesale, JPMorgan Chase, Target, and Visa. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.
For rates and fees for the Amazon Business Prime American Express Card, click here
The Motley Fool recommends Amex.