Best Business Credit Cards for Amazon FBA Sellers [2024]: Earn Rewards

CREDIT CARDS - BUSINESS CREDIT CARDS
Cards like the Ink Business Cash and American Express Blue Business Cash make it easy to earn rewards on business purchases you’re already making.
Updated Feb. 20, 2024
Fact checked

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

We recommend the Ink Business Cash® Credit Card as one of the best business credit cards for sellers working with Fulfillment by Amazon (FBA) because it has a $0 annual fee and earns elevated rewards on common business expenses.

If you want a card with a simple rewards rate that can work for a variety of spending categories, we recommend The American Express Blue Business Cash™ Card and Capital One Spark Cash Plus.

Let’s explore the best business credit cards for Amazon FBA sellers to see which one makes the most sense for you.

In this article

Key takeaways

  • The best credit card for an Amazon FBA seller is typically one that rewards you for your various expenses. Top FBA seller spending categories could include shipping, retail purchases, advertising, and gas. An intro APR offer on purchases could also be useful for increasing cash flow without paying interest for a while.
  • The Ink Business Cash has a $0 annual fee and provides elevated rewards in specific categories that could benefit FBA sellers.
  • The American Express Blue Business Cash has a $0 annual fee (terms apply) and provides a simple rewards rate that makes it easy to earn rewards on any eligible purchase.

The 5 best credit cards for Amazon FBA sellers

  1. Ink Business Cash® Credit Card
  2. The American Express Blue Business Cash™ Card
  3. Ink Business Preferred® Credit Card
  4. Capital One Spark Cash Plus
  5. American Express® Business Gold Card

Compare the best credit cards for Amazon FBA sellers

Credit card Welcome offer Rewards rate Annual fee

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

4.8

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening 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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases $0

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

5.0

Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that $0 (terms apply)

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

4.8

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases $95

Capital One Spark Cash Plus

Capital One Spark Cash Plus

4.7

Earn $1,500 after spending $20,000 in the first 3 months (plus an additional $1,500 after spending $100,000 in the first 6 months) 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel $150

American Express® Business Gold Card

American Express® Business Gold Card

4.8

Earn 70,000 Membership Rewards points after spending $10,000 on eligible purchases in the first 3 months 4X Membership Rewards Points on purchases in the two categories with the most spend each billing cycle from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases $375 (terms apply)

Ink Business Cash® Credit Card

Pros
  • $0 annual fee
  • Useful bonus categories
  • Intro APR offer on purchases
Cons
  • Low base earning rate

The Chase Ink Business Cash provides excellent earning potential on common business expenses.

Why we like Ink Business Cash

It has a $0 annual fee and you can 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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.

In particular, Amazon FBA sellers could benefit from increased earnings at office supply stores and gas stations. You can purchase shipping supplies from office supply stores for your FBA shipments, and earning bonus cash back on gas is helpful if you frequently visit different stores to replenish your inventory.

The Ink Business Cash also provides an intro APR offer on purchases that you can use to build up your seller inventory without worrying about interest payments for a while. You can receive 0% intro APR for 12 months on purchases (then 18.49% - 24.49% Variable).

What we don’t like about Ink Business Cash

Outside of its spending categories, you only earn 1% cash back on all other purchases.

Read our Ink Business Cash review for more details.

Tip
If you want to earn Chase Ultimate Rewards points but prefer a simpler earning rate, consider the Ink Business Unlimited® Credit Card. The Ink Business Unlimited has a $0 annual fee and provides unlimited 1.5% cash back on every purchase. You can also take advantage of an intro APR offer on purchases.

The American Express Blue Business Cash™ Card

Pros
  • $0 annual fee (terms apply)
  • Simple rewards rate
  • Intro APR offer on purchases
Cons
  • No bonus categories

The American Express Blue Business Cash Card makes sense if you want a simple earning rate that works for different types of purchases.

Why we like Amex Blue Business Cash

It has a $0 annual fee, and you can earn 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that.

This type of earning rate makes it easy to rack up rewards on all your eligible business expenses regardless of the retailer or category type. That can be important if you purchase items from a lot of different stores to keep your FBA inventory high.

With Amex Blue Business Cash, you can also take advantage of an intro APR offer on purchases. You can receive 0% intro APR for 12 months on purchases (then 18.49% - 26.49% Variable).

What we don’t like about Amex Blue Business Cash

It doesn’t have any spending categories where you can earn bonus rewards. That’s a potential drawback if you want to earn more cash back on certain types of purchases, such as office supply stores or online advertising expenses.

Read our American Express Blue Business Cash review for more details.

Ink Business Preferred® Credit Card

Pros
  • Excellent earning potential in common business spending categories
  • Points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards
  • Point transfers to Chase travel partners
Cons
  • $95 annual fee
  • No intro APR offers

The Chase Ink Business Preferred Credit Card provides elevated rewards on common FBA seller expenses.

Why we like Ink Business Preferred

You can earn 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases.

Amazon FBA sellers could easily take advantage of earning bonus points on shipping purchases as well as advertising purchases. Two essential parts of running a successful Amazon seller business include shipping your items to Amazon warehouses and making sure your online listings are showing up to potential buyers.

And if you like to redeem credit card rewards for travel, look no further than the Ink Business Preferred. Your points are worth 25% more if redeemed for travel through Chase Ultimate Rewards. That means 10,000 points could be worth $125 toward a flight, hotel stay, or another travel-related option.

You can also transfer your points to multiple airline and hotel loyalty programs, including JetBlue TrueBlue, United MileagePlus, and World of Hyatt.

What we don’t like about Ink Business Preferred

You have to pay a $95 annual fee as a cardmember. And there aren’t any intro APR offers on the Ink Business Preferred.

Read our Ink Business Preferred review for more details.

Capital One Spark Cash Plus

Pros
  • Simple cashback rate
  • $150 statement credit bonus every anniversary year you spend at least $150,000
Cons
  • $150 annual fee
  • No intro APR offers

The Capital One Spark Cash Plus makes earning cash back easy with a super simple rewards rate.

Why we like Capital One Spark Cash Plus

You can earn 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel.

With this type of earning rate, you don’t have to worry about spending only in certain categories. Just about everything earns the same amount of rewards, which could be ideal if your FBA seller business sources products from a wide variety of retailers.

If you have a high-spending business, you can earn a $150 statement credit bonus each cardmember year you spend at least $150,000.

What we don’t like about Capital One Spark Cash Plus

There aren’t any intro APR offers, and you have to pay a $150 annual fee. Note that you could offset the annual cost if you earn the $150 statement credit after spending $150,000 each year.

Read our Capital One Spark Cash Plus review for more details.

American Express® Business Gold Card

Pros
  • Flexible spending categories
  • Up to $240 back annually for eligible U.S. purchases at FedEx, Grubhub, and office supply stores. Enrollment required.
  • Up to $12.95 (plus applicable taxes) back each month when you pay for a monthly Walmart+ membership. Enrollment required.
Cons
  • $375 annual fee - terms apply
  • No intro APR offers

The American Express Business Gold Card provides multiple benefits, including attractive earning potential that could be useful for Amazon FBA sellers.

Why we like Amex Business Gold

You can earn 4X Membership Rewards Points on purchases in the two categories with the most spend each billing cycle from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases.

Potential categories for earning 4X points include:

  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)
  • U.S. purchases made from electronic goods retailers and software and cloud system providers
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Of these categories, an FBA seller might find the advertising and U.S. gas station options the most appealing.

As an added bonus, cardholders can take advantage of these two benefits.

  • Get up to $240 back annually for eligible U.S. purchases at FedEx, Grubhub, and office supply stores.
  • Get $12.95 (plus applicable taxes) back each month when you pay for a monthly Walmart+ membership.

Keep in mind that select benefits require enrollment.

Getting up to $240 back annually for U.S. purchases at FedEx and office supply stores could help reduce shipping costs to Amazon warehouses. And having a Walmart+ membership could be useful for replenishing your store’s inventory.

What we don’t like about Amex Business Gold

You have to pay a $375 annual fee . Also there aren’t any intro APR offers on the Amex Business Gold.

Read our American Express Business Gold review for more details.

How to choose the best credit card for Amazon FBA sellers

Consider these factors to help you choose the best credit card as an Amazon FBA seller.

Credit requirements

The best business credit cards often require a good or excellent credit score to qualify. That typically means at least a 670 personal score on the FICO scoring range.

Learn more about common requirements for a small business credit card application.

Business requirements

If you want to apply for a business credit card, you need a legitimate business. But that doesn’t mean you need to be running a corporation or have loads of employees. Sole proprietors can also apply for business credit from major card issuers.

Learn more about common business credit card requirements.

Rewards

Rewards credit cards tend to provide cash back, points, or miles for making eligible purchases. You might also have the opportunity to earn a welcome bonus or sign-up bonus as a new cardmember.

Whether you want to earn travel rewards or cash back comes down to personal preference with how you want to redeem your rewards.

Benefits

The most common benefit of many credit cards for business owners is being able to earn and redeem rewards with a credit card rewards program. That could include earning travel or cashback rewards.

Other benefits could include:

  • Intro APR offers on purchases or balance transfers (to help avoid high interest rates)
  • Travel credits
  • Complimentary memberships
  • No foreign transaction fees
  • Purchase protection
  • Extended warranty coverage
  • Employee cards
  • Flexible spending limits on additional cards
  • Expense management tools
  • Travel insurance

Depending on your personal finance goals, business needs, and where you typically shop for your e-commerce business, you might prefer certain card benefits.

Fees

Annual fees are commonly found on business credit cards that provide increased benefits. For example, a card might have an annual fee if you’re able to earn an unlimited and elevated amount of rewards.

Depending on how much you spend on business expenses, you might be able to easily offset an annual fee through the rewards you earn from spending alone.

But if you don’t run a high-spending business, a no-annual-fee card might make more sense.

FAQ

Do I need a credit card for Amazon FBA?

You don’t need a credit card for an Amazon FBA business, but we recommend using credit cards for the rewards and benefits. Since FBA sellers typically spend a lot on shipping and inventory costs, it makes sense to earn rewards on those expenses.

Which Amazon credit card is best for business?

The Amazon Business Prime American Express Card makes a lot of sense if you frequently use Amazon to make business purchases. It offers 5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases.

Are Amazon credit cards worth it for FBA sellers?

Amazon credit cards like the Amazon Business American Express Card and Amazon Business Prime American Express Card generally aren’t worth it because FBA sellers tend to spend a lot of money on non-Amazon purchases. That could include shopping at stores like Walmart, Target, and Kohl’s to source inventory to sell on Amazon.

Best credit cards for Amazon FBA sellers: bottom line

We recommend the Ink Business Cash as one of the best cards for Amazon FBA sellers because it has a $0 annual fee and provides elevated rewards in categories that align with common FBA seller expenses.

If you tend to make a lot of purchases in different spending categories, we recommend applying for a card with a simple rewards rate. The Amex Blue Business Cash and Capital One Spark Cash Plus are two excellent options.

Compare credit cards to find the best card offer for you.

Methodology

To identify the best business credit cards for Amazon FBA sellers, we compared various credit cards based on several criteria, such as what each card offers in terms of rewards or benefits for Amazon purchases or other related expenses.

We also considered factors such as annual fees, welcome offers, and other perks that might appeal to Amazon FBA sellers. We selected a range of business credit cards that cater to different needs and preferences, but we did not include every available business credit card in our recommendations.

Keep in mind that our list is not ranked in any specific order and that the best card for one seller might not be the best one for another. Our goal is to provide a variety of options that can help Amazon FBA sellers maximize their profits and grow their businesses.

Up to 5% Cash Back

4.8

Ink Business Cash® Credit Card

Current Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Annual Fee

$0

Rewards Rate

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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is a Senior Credit Cards Writer at FinanceBuzz. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from FinanceBuzz.com. Unsubscribe at any time. Privacy Policy

  • Vetted side hustles
  • Exclusive offers to save money daily
  • Expert tips to help manage and escape debt