Amazon Business American Express Card: A No-Fee Credit Card with Lots of Perks

Earn Amazon rewards for your business purchases with this no-fee credit card.
Last updated Sep 10, 2020 | By Kevin Payne

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Amazon has quickly become one of the largest retailers in the world. And if you shop on Amazon for your business, the Amazon Business American Express Card can help you get added value from your purchases. This card allows businesses to earn Amazon rewards, and it gives businesses access to longer payment terms with no interest.

With all its positives, could this be the right credit card for your business? In this Amazon Business American Express Card review, we’ll take a closer look at what makes this card tick, what it offers to businesses, and whether it's the right solution for your business spending.

Generous Amazon Rewards

Amazon Business American Express Card

Amazon Business American Express Card

Amazon Business American Express Card

Benefits

  • $100 Amazon gift card upon approval
  • Up to 3% back in Amazon Rewards points
  • No annual fee
  • Terms apply

Drawbacks

  • Limited rewards redemption options
  • No introductory APR offer

In this Amazon Business American Express Card review:

Who should get the Amazon Business American Express Card?

The Amazon Business American Express Card is for business owners looking for a solid business credit card for office spending, especially at Amazon, Amazon Business, and AWS. If you’re looking for an American Express business card that offers free employee credit cards, this is also a decent option. Cardholders get access to both the American Express and American Express Business mobile apps, along with other tools.

With bonus rewards in some popular business categories, it's perfect for companies on the go and for entertaining prospective clients. It also offers business travel with perks like car rental and baggage insurance.

If you don’t spend a lot for your business at Amazon, consider one of our other top picks for the best business credit cards. This card only makes sense for loyal Amazon shoppers.

Card basics

Card type Business
Card issuer American Express
Annual fee $0
Intro bonus Earn a $100 Amazon gift card upon appoval
Reward rate 3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases
Recommended credit score Excellent
Intro APR N/A
Foreign transaction fee None

Amazon Business American Express Card benefits and perks

  • Generous welcome offer: With this card, you earn a $100 amazon gift card upon appoval.
  • Annual fee: Your business has enough expenses to worry about, which makes this card’s $0 annual fee attractive for businesses.
  • Extended financing option: With this card, you get 3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases.
  • Travel perks: This card offers fantastic travel perks for businesses, such as car rental insurance, baggage insurance, and no foreign transaction fees. Cardmembers also get 24/7 emergency assistance through the Global Assist Hotline.
  • Account management tools: The Amazon Business Amex card comes with access to a host of tools, like the American Express Business App, account alerts, year-end summaries, online statements, vendor payments, and more.

Drawbacks to the Amazon Business American Express Card

  • No Amazon Prime: The card doesn’t come with an Amazon Prime membership, which means all of your purchases come with shipping fees if you aren’t already a Prime member.
  • No balance transfers: There’s no option to transfer over existing credit card debt with this card. Balance transfers aren’t allowed with this particular Amex card.
  • Penalty APR: This card comes with a penalty APR. You’ll want to make sure your business is on top of payments to avoid any extra costs.

Earning and redeeming Amazon Rewards points

Potential earnings in years one and two

Here's a look at how your Amazon Rewards points can add up with the Amazon Business American Express Card.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $639

Year two earnings: $539

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

The Amazon Business American Express Card offers rewards earning at three levels:

  • 3% on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 purchases per year)
  • 2% on U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers
  • 1% on all other purchases

Some popular business spending categories are notably absent from bonus earning on this card, such as office supply stores and internet services. Unless you use Amazon for all of your office supplies, this card may not make sense for your business spending.

Categories Rewards rate
U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 purchases per year) 3%
U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers 2%
all other purchases 1%

Maximizing your redemptions

Rewards come in the form of Amazon Rewards points. You can apply your points toward Amazon.com and Amazon Business purchases or toward a charge on your credit card statement. Points are worth roughly 1 cent a piece, and they don’t expire as long as your account is open.

If you choose to redeem your points for Amazon purchases, you can opt to pay a portion of your purchase balance with points and put a portion on your Amazon Business American Express Card. When you use your points on Amazon, minimum and maximum amounts apply, but those amounts are not published online. Amazon will let you know about any restrictions before you make your purchase.

To use your points toward charges on your statement, you’ll need to have at least 1,000 points in your account.

Amazon Business American Express Card FAQs

Is the Amazon Business American Express Card a good card?

The Amazon Business American Express Card is great for businesses that spend considerable money on Amazon-related purchases but aren’t Amazon Prime members.

If you have Prime, you’re better off going with the Amazon Business Prime American Express Card, which earns 5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases.

What credit score do you need for the Amazon Business American Express Card?

There is no published credit score requirement for the Amazon Business American Express Card. Most likely, you’ll likely need good to excellent credit to qualify for this card. A good FICO credit score is 670 or higher.

Which business credit cards does Amazon offer?

Amazon offers two business credit card options — the Amazon Business American Express Card and the Amazon Business Prime American Express Card. The Business Prime Amex card offers higher rewards earning, but you need to be a Prime member to take advantage of these benefits.

Will applying for an Amazon credit card hurt your credit?

Yes, applying for an Amazon credit card may hurt your credit slightly, but no more than applying for any other credit card. When you apply for a credit card, the issuer performs a hard credit inquiry, which can lower your score by a few points.

Can I use the Amazon Business American Express Card anywhere?

American Express issues this Amazon Business credit card so it’s accepted everywhere Amex is accepted. It also carries no foreign transaction fees, which makes it the perfect spending companion when traveling internationally on business trips.

How does Amazon Business work?

Amazon Business is a free purchasing solution for businesses of all sizes. Along with price and shipping discounts, it offers customers a way to streamline and track business purchases, assign purchasers, and access other business tools.

Other cards to consider

Businesses that love Amazon and have a Prime membership should consider the Amazon Business Prime American Express instead. It comes with perks similar to the Amazon Business American Express Card, but has a slightly larger welcome bonus and higher points-earning power on Amazon-related purchases. Plus, it also has a $0 annual fee and no foreign transaction fees. The right Amazon business credit card for you depends largely on whether you have an Amazon Prime membership.

Chase Ink Business Cash Card is another top business credit card you should consider. Not only does it offer higher bonus rates, it also has more redemption options, including cash back, gift cards, and points for Amazon purchases. The Chase Ink Business Cash Card also gives cardholders access to the Chase Ultimate Rewards program, which is one of the most valuable rewards programs out there.

Generous Amazon Rewards

Amazon Business American Express Card

Amazon Business American Express Card

Amazon Business American Express Card

Special Offer

Earn a $100 Amazon gift card upon appoval

See how these cards compare:

Amazon Business Prime American Express Card
Amazon Business Prime American Express Card
  • Up to 5% back
  • $125 Amazon gift card upon approval
  • No annual fee
  • Terms apply
Chase Ink Business Cash Credit Card
Chase Ink Business Cash Credit Card
  • New Offer: $750 cash back sign-up bonus
  • No annual fee
  • 0% intro APR on purchases for 12 months
  • Up to 5% cash back