Amazon Business American Express Card Review for 2022


The Amazon Business American Express Card is best for business owners who shop frequently at Amazon-owned companies but don’t have Amazon Prime memberships. This small business card offers perks like 3% cash back or 60-day financing on United States purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market.

Amazon Business American Express Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

3% back or 60-day repayment terms



Apply Now

on Amazon Business American Express Card’s secure website.

Regular APR

14.24% – 22.24% Variable

Credit Needed

Good, Excellent

  • Get a $100 Amazon.com 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 a broad product selection on Amazon and Amazon Business, 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.
Pros
  • $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a sign-up reward upon approval, without the need to meet any spending requirement.
  • No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
  • No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who are not Amazon Prime members.
Cons
  • Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
  • 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
  • Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
  • Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
  • Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
  • Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
  • Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Regular APR

14.24% – 22.24% Variable

Credit Needed

Good, Excellent

  • Get a $100 Amazon.com 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 a broad product selection on Amazon and Amazon Business, 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.
Pros
  • $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a sign-up reward upon approval, without the need to meet any spending requirement.
  • No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
  • No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who are not Amazon Prime members.
Cons
  • Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
  • 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
  • Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
  • Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
  • Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
  • Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
  • Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year

How We Evaluate Points Rewards Business Credit Cards

When evaluating points rewards business credit cards like the Amazon Business American Express Card, we first take into account both the ongoing and introductory rewards. We also look at the annual fee, introductory and ongoing annual percentage rates (APRs), and additional card features.

Who the Amazon Business American Express Card Is Right For

  • Business owners who shop at Amazon but aren’t Prime members: The Amazon Business American Express Card offers rewards or free financing terms on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS without requiring an Amazon Prime membership.

Amazon Business American Express Card Fees

  • Introductory APR: None—but users can get 0% APR for 60 days on purchases from Amazon businesses
  • Ongoing APR: 14.24% to 22.24% variable—changes with the prime rate
  • Annual fee: None
  • Balance transfer fee: Transfers aren’t allowed
  • Foreign transaction fee: None
  • Cash advance fee: $5 or 3%, whichever is greater—APR is 24.99%

Amazon Business American Express Card Rewards

  • Get a $100 Amazon.com Gift Card upon approval
  • 3% back or 60-day terms on the first $120,000 in purchases each calendar year at US Amazon Business, AWS, Amazon.com, and Whole Foods Market, and 1% back thereafter
  • 2% back at US restaurants and gas stations and on wireless telephone services purchased directly from US service providers
  • 1% back on all other purchases

Amazon rewards are tracked as points versus cash back, with every 100 points earned worth $1. You can redeem your Amazon rewards points for eligible purchases at Amazon.com or as an automatic credit to your bill. Your points don’t expire as long as your account remains open. However, you may forfeit points if your account status changes or if you default on a payment.

Amazon Business American Express Card Additional Features

Amazon Business Enhanced Data Views

Each time you make a purchase on your Amazon business credit card, Amazon will collect and share transaction data with American Express to help provide purchase details on your statement. The Amazon Business enhanced data views feature allows you to see Amazon Business purchases listed item by item in an easily downloadable file from your online statement. This helps you to gain enhanced insights on purchases and simplify expense reporting.

Amazon Shop With Points

You can earn rewards that don’t expire and use them to shop with Amazon. You have the option to pay your purchases with points upon checkout on Amazon.com and US Amazon Business or apply them toward a purchase on your statement.

Purchase Protection

Items damaged or stolen within 90 days of the purchase date are covered with purchase protection up to $1,000 per item, with a maximum of $50,000 per account per year. Some items aren’t covered, including perishable items, tickets of any kind, gift cards, antique items, motorized vehicles, and permanent fixtures.

Return Protection

The Amazon Business American Express Card offers return protection if a store won’t accept a return within 90 days from the purchase date. American Express may refund the full purchase price up to $300 per item, with a maximum of $1,000 per account per year. Items excluded from this coverage are animals, living plants, books, jewelry, motorized vehicles, tickets, formal wear, and more.

Extended Warranty Protection

If a purchased item has a manufacturer’s warranty of five years or less, American Express will provide an additional one-year warranty up to $10,000 per claim and $50,000 per account. Some items aren’t covered, including motorized devices, vehicles, fixtures, real estate, consumable items, animals, living plants, and items with unconditional satisfaction guarantees.

Baggage Insurance Plan

The Amazon Business American Express Card provides baggage insurance for any lost bags while in transit, including carry-on baggage, checked baggage, and certain high-risk items. High-risk items include, but aren’t limited to, jewelry, sporting equipment, electronic equipment, and furs or articles made mostly with fur. This coverage ranges between $500 and $1,250, depending on the loss.

Car Rental Loss & Damage Insurance

American Express will cover up to $50,000 per car rental agreement for the first 30 consecutive days of car rental. The car rental loss and damage insurance covers both damage to and theft of a rental vehicle during the rental period. Certain instances are excluded from the coverage, such as intentional damage by the authorized driver, normal wear and tear, confiscation by the authorities, damage related to freezing, and damage to tires.

Global Assist Hotline

A global assistance hotline is available to cardholders when they travel farther than 100 miles from home. Users can call the hotline at no additional cost, but any fees charged by third-party service providers will be the cardholder’s responsibility. The available services include travel, emergency, medical, and legal assistance.

Amazon Business American Express Card Alternatives

Chase Ink Business Cash® Credit Card

The Chase Ink Business Cash® card is best for office-based businesses that spend $25,000 in combined purchases at office supply stores and on internet, cable, and phone services each year. This is also a great alternative if you need to transfer a balance from another account, as this card allows balance transfers.

Ink Business Cash® Credit Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Office-based businesses that want top cash back rewards



Apply Now

On Chase’s Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

13.24% – 19.24% Variable

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Pros
  • Top rewards for office supply spending
  • Introductory APR on purchases
  • Cash signup bonus
Cons
  • 0% APR doesn’t apply to balance transfers
  • High balance transfer fee of 5%
  • Designed mainly for office-oriented companies
  • Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
  • Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
  • Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
Intro APR

0% Intro APR on Purchases

Regular APR

13.24% – 19.24% Variable

Credit Needed

Good, Excellent

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Pros
  • Top rewards for office supply spending
  • Introductory APR on purchases
  • Cash signup bonus
Cons
  • 0% APR doesn’t apply to balance transfers
  • High balance transfer fee of 5%
  • Designed mainly for office-oriented companies
  • Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
  • Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
  • Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Capital One® Spark® Cash Select Good Credit

The Capital One® Spark® Cash Select Good Credit card is best for business owners with good credit who want to earn fixed-rate, unlimited 1.5% cash back without having to monitor spending categories. It offers a 0% introductory APR on purchases for 12 months, making this a great alternative for those who want to finance a large purchase and take advantage of a longer interest-free term.

Capital One® Spark® Cash Select Good Credit

Businesses with good credit that want a 0% introductory APR



Apply Now

On Capital One’s Secure Website

Regular APR

15.99% to 23.99%

  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
  • Enjoy a $0 annual fee in addition to the big rewards and cash bonus you can earn.
Pros
  • No annual fee
  • Ability to finance purchases with 0% APR for 12 months
Cons
  • 0% APR doesn’t apply to balance transfers
  • No signup bonus
  • $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
  • $0 fraud liability: Advance emergency replacement for lost and stolen card plus a cash advance
  • Roadside assistance: Services such as jump-starting, tire changing, and towing
Regular APR

15.99% to 23.99%

  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
  • Enjoy a $0 annual fee in addition to the big rewards and cash bonus you can earn.
Pros
  • No annual fee
  • Ability to finance purchases with 0% APR for 12 months
Cons
  • 0% APR doesn’t apply to balance transfers
  • No signup bonus
  • $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
  • $0 fraud liability: Advance emergency replacement for lost and stolen card plus a cash advance
  • Roadside assistance: Services such as jump-starting, tire changing, and towing

American Express Blue Business® Plus

If you need a credit card that allows you to go over your credit limit, consider opening an American Express Blue Business® Plus card. It features expanded buying power and offers a 0% introductory rate for 12 months. This card is a great alternative if you don’t need to make a cash advance, as it doesn’t allow cash advances.

The Blue Business® Plus Credit Card from American Express

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Pocketing 2x points per $1 and 0% introductory APR for 12 months



Apply Now

on The Blue Business® Plus Credit Card from American Express’s secure website.

Intro APR

0% on purchases

Regular APR

13.24% – 19.24% Variable

Credit Needed

Good, Excellent

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Pros
  • No annual fee
  • 0% APR for 12 months on purchases and balance transfer
  • Welcome offer bonus points
  • Expanded buying power
  • Fixed-rate rewards
Cons
  • Cash advances are not allowed
  • No zero foreign transaction fee
  • 2x points rewards are capped at $50,000 in spending
  • Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
  • Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Intro APR

0% on purchases

Regular APR

13.24% – 19.24% Variable

Credit Needed

Good, Excellent

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Pros
  • No annual fee
  • 0% APR for 12 months on purchases and balance transfer
  • Welcome offer bonus points
  • Expanded buying power
  • Fixed-rate rewards
Cons
  • Cash advances are not allowed
  • No zero foreign transaction fee
  • 2x points rewards are capped at $50,000 in spending
  • Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
  • Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

Bottom Line

The Amazon Business American Express Card is a no-annual-fee, points-based rewards credit card designed for business owners who frequently shop at Amazon stores but aren’t members of Amazon Prime. To find other credit cards that may be a better fit for your business, check out our Credit Card Marketplace.



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