Here’s the best way for businesses to save big on rush day

if Amazon Purchases As a significant part of your business budget, you may want to consider the Amazon Business American Express Card*. Not only can you save on daily purchases and earn extra savings continuously Prime Day DealsYou can also choose short-term, interest-free financing for many of your Amazon purchases. In addition, this card promotes business-friendly accounting and data integration to organize your transactions.

You need a Business Prime account—which ranges from $69 to more than $10,000 depending on the size of your business and your needs—to get this credit card, but there are no annual fees beyond that. A Business Prime membership gives you free same-day, one-day or two-day shipping on millions of items, along with some other perks.

If your business frequently orders office supplies or other essential items from Amazon, it may make sense to add this card as a supplemental business credit. Below we review the details of the rewards program, welcome offer and business applications.

Read more: Amazon Prime Rewards Visa Signature Card: Prime Consumer Card

In this article

Amazon Business Card American Express

Show IntroductionEarn $100 statement credit after making $3,000 purchases with your card in the first 3 months.
April15.74% – 23.74% variable
APR Purchasing IntroductionUnavailable
Credit recommended Excellent Good

Bonus rates

  • Take advantage of 5% Back or 90 Day Terms on US purchases on Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime Membership. You’ll earn 5% back on your first $120,000 of purchases each calendar year, and 1% back thereafter
  • 2% back to US restaurants, US gas stations, and on wireless phone services purchased directly from US service providers
  • 1% back on other purchases

Annual feeNo annual fee

late payment fee Up to $39
Foreign Transaction Fee no one
Penalty kicks APR 29.99% variable

  • Take advantage of 5% Back or 90 Day Terms on US purchases on Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime Membership. You’ll earn 5% back on your first $120,000 of purchases each calendar year, and 1% back thereafter
  • 2% back to US restaurants, US gas stations, and on wireless phone services purchased directly from US service providers
  • 1% back on other purchases

Rewards and Funding

As with most retailer credit cards, you get the option to choose cashback rewards or interest-free financing on most of your purchases.

When you choose cashback rewards with your Amazon Business American Express Card, you’ll earn 5% cashback on select US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. In particular if you have a larger business, know that there is a maximum spend of $120,000 on this bonus rate per year. Any spend that exceeds this amount gets a 1% reward rate.

Your other option is the 90-day interest-free financing, which may make sense if you need to buy items now and pay for them later. You are not limited to making minimum payments or set installments either – you are only required to pay the full amount by the end of the 90 days. This is a good short-term and recurring financing option that may suit your business better than Best Introductory APR Cardssince these cards tend to offer a higher value earlier and less over time.

The Amazon Business American Express Card also offers a few other reward categories. You’ll earn 2% of your purchases in the US at restaurants, gas stations, and cordless phone services (if purchased directly from service providers) and 1% on all other purchases. You will not have the option of short-term financing with these other reward categories.

If your spending does not match this spread, then another business credit cards Offer more targeted business oriented categories.

welcome offer

to me welcome offerYou can earn a $100 statement balance if you spend $3,000 in the first three months. Since this isn’t competitive when it comes to other business welcome offers, don’t weigh it too heavily in your decision whether or not to get this card. Chase business cards, for example, offer better welcome offers.

Business integration

Amazon Business Enhanced Data Views is software designed to simplify tracking and organizing your transactions – making your spending data standardized and downloadable. The most unique of Amazon’s integrations, this can come in handy if it allows you to gain additional business insights. For example, it may help you predict future spending if you are working on a budget.

You can connect your Business Prime Card to QuickBooks to automate accounting for any card transaction. You can also add employee cards to the account, but these features are typical of most business credit cards.

Similar cards

Amazon Business Card American Express

The Amazon Business American Express Card* is the same card but for businesses that do not have a Business Prime account. It has no annual fee, but you’ll earn lower bonus rates on Amazon without a Prime account. You earn 3% instead of 5% on purchases from Amazon.com, Amazon Business, AWS, and Whole Foods. The interest-free financing lasts only for 60 days instead of 90 days. Otherwise, the bonus categories and welcome offers are the same.

Ultimately, the break-even point where you can save more money in rewards over the cost of the simplest Business Prime membership ($69 per year) is if you spend $3,450 or more on Amazon in one year.

Mastercard® Dedicated Cash Rewards Credit Card from Bank of America® Business Advantage

While this card won’t earn you rewards specific to Amazon, it does provide more flexibility in how you earn rewards. The highest reward rate with this card is 3% on a category of your choice: gas stations, office supply stores, travel, television/telecommunication and wireless, computer services, or business consulting services. You’ll also earn 2% on food and 1% on other purchases.

Like Amazon Business Prime, the Business Cash Rewards Card has a spending cap — but it’s much lower. You’ll only earn 2% and 3% bonus rates of up to $50,000 per calendar year, combined (then 1%). However, if you have a periodic budget, this flexible bonus feature may come in handy.

You can also take advantage of the introductory 0% APR for the first nine billing cycles (afterwards, the variable APR 12.99% to 22.99%) to Financing any major purchases On Amazon or anywhere else.

questions and answers

What is a business credit card?

Business credit cards are specifically geared towards small business owners. They can help you keep your business resources separate from your personal transactions, distribute and manage employee cards and earn rewards in spending categories typical of small businesses.

Need a Business Prime membership to shop on Amazon?

You don’t need a Business Prime membership to shop on Amazon or Amazon Business, although Business Prime members enjoy free and fast shipping on millions of items, along with other perks. You need a Prime membership to apply for an Amazon Prime Business Card, but there is also a non-Prime equivalent.

Does the Amazon Business American Express Card include a foreign transaction fee?

There are no foreign transaction fees with the Amazon Business Prime Card, which will save you an average of 3% on every transaction you make abroad. However, it is important to note that the 5% bonus rate applies only to eligible US purchases.

our approach

CNET reviews cards The most in demand and the best benefits. We look into the finer details so that there are no surprises when opening an account. We find the main factors that make a card special and compare it to other most important cards. In this way, readers can choose a different card with similar features if our choice does not suit them. Our reviews are checked and updated regularly to include new recommendations, as well as to reflect changes in offerings and the market.

*All information about the Amazon Business American Express Card and the Amazon Business American Express Card were collected independently by CNET and have not been reviewed by the issuer.

The editorial content on this page is based solely on objective and independent reviews by our writers and is not influenced by advertising or partnerships. It is not provided or authorized by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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