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

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.

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

Ink Business Cash^® Credit Card

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.

The American Express Blue Business Cash™ Card

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

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

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

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:

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

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

Ink Business Cash^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Cash^® Credit Card

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Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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

Benefits

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• $0 annual fee
• 0% intro APR on purchases for 12 months (then 18.49% - 24.49% Variable)
• Up to 5% cash back

Drawbacks

• Capped spending on bonus cash back categories
• Has foreign transaction fee

Card Details

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• 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
• Member FDIC