Amazon Business AmEx Review: Pick One of Two Perks on Amazon Spending
Choose between rewards on Amazon-related purchases or a 60-day interest-free break. You don’t need an Amazon Prime membership to qualify.
Overview
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This page includes information about Amazon Business American Express Card, currently unavailable on NerdWallet. The information about Amazon Business American Express Card has been collected by NerdWallet and has not been provided or reviewed by the card issuer.The bottom line:
You'll get valuable, flexible incentives, if you don't mind keeping track of them. But Amazon super-users might be better served by the Prime version of this card: the Amazon Business Prime American Express Card.
Credit card details
Annual fee
$0
Regular APR
18.24%-26.24% Variable APR
Intro APR
N/A
Rewards rate
1%-2%
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. Terms apply.
Foreign transaction fee
0%
Intro offer
100
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card. Terms Apply.
Pros & Cons
Pros
No annual fee
No foreign transaction fees
Bonus categories
Cons
Requires good/excellent credit
Spending caps on bonus rewards
More details from American Express
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 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
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- 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.
Credit card comparison
Compare to other cards
4.4
NerdWallet rating
Annual fee
$0
Annual fee
$0
Regular APR
17.24%-27.24% Variable APR
Regular APR
17.24%-27.24% Variable APR
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Need more options? Check our picks for best business credit cards of 2025
The Amazon Business American Express Card offers cardholders a choice when it comes to their eligible Amazon-related spending: Either earn 3% back on it (on the first $120,000 in purchases each calendar year; 1% back thereafter), or get an interest-free window of 60 days during which you can pay off those purchases. Terms apply.
Regardless of which option you choose, the card will also earn you 2% back at U.S. restaurants and U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. You'll also get 1% back on other purchases. Terms apply.
If your business could benefit from those rewards categories or from periodic two-month breaks on interest throughout the year — and if you don’t mind shopping on Amazon.com or at Amazon properties to snag such benefits — this card can be a convenient way to stretch your budget. And you don't have to be an Amazon Prime member to qualify for it.
🤓
If you do spend enough at Amazon.com to merit an Amazon Prime membership, you'll likely get more value from this card's big brother, the $0-annual-fee Nerdy Tip
Amazon Business American Express Card: Basics
To view rates and fees of the Amazon Business American Express Card, see this page
Card type: Small business.
Annual fee: $0.
Welcome offer: Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card. Terms Apply.
Rewards:
- 3% back on U.S purchases at Amazon.com, Amazon Business, Amazon Web Services and Whole Foods Market on the first $120,000 spent each calendar year (1% back thereafter), or a 60-day interest-free period.
- 2% back at U.S. restaurants, at U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers.
- 1% back on all other purchases.
- Terms apply.
Rewards come in the form of points in the Amazon rewards program. Every 100 points earned in "% back" rewards are equal to $1. Rewards can be applied toward a purchase on your card statement, or toward purchases upon checkout at Amazon.com and via Amazon Business (U.S.).
APR: The ongoing APR is 18.24%-26.24% Variable APR.
Foreign transaction fee: None. (But as an American Express card, international acceptance may be limited.)
Why you might want the Amazon Business American Express Card
Valuable, Flexible incentives
With the Amazon Business American Express Card, you’ll earn a solid 3% rewards rate at Amazon and its eligible properties on up to your first $120,000 spent (1% back thereafter) or a 60-day interest-free period, depending on your preference. For purchases at Amazon Business, Amazon Web Services, Amazon.com, Whole Foods Markets, Amazon Go and Amazon Books, you can choose your preferred option on your card management page. Purchases at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers will also earn 2% back. All other purchases earn 1% back. Terms apply.
An easy-to-snag welcome offer
New cardholders earn an introductory offer: Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card. Terms Apply. For a card with a $0 annual fee, that’s a nice incentive that can cover some upfront expenses.
Business-expense tracking tools
The Amazon Business American Express Card offers a full suite of tools to help you manage your business, including access to downloadable, line-item expense reports. Plus, the AmEx business app — accessible via iOS and Android devices — allows you to take photos of receipts, categorize transactions, and manage employee spending to stay organized for tax purposes.
Why you might want a different card
There's a lot of reward tracking required
With this card, not only will you have to keep track of tiered bonus categories, but you’ll also have to remember which offer you selected (rewards or a no-interest period) on your Amazon-related purchases. A good alternative would be a business card like the Capital One Spark Cash Plus annual fees on business cards can be tax-deductible Ink Business Unlimited® Credit Card
It may not travel particularly well
The Amazon Business American Express Card does offer some travel protections, and it doesn’t charge foreign transaction fees. But since it’s an American Express card, you may face limited acceptance internationally. The aforementioned Capital One Spark Cash Plus doesn’t charge such fees. But if you’re in the market for travel rewards rather than cash back, you might consider a card like the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
You can find LONGER 0% INTRO APR PERIODs UPFRONT
While the Amazon Business American Express Card does offer 60-day interest-free windows on specific purchases, it doesn't offer a lengthy upfront 0% intro APR on all purchases. The ongoing APR is 18.24%-26.24% Variable APR. A better option for you might be The American Express Blue Business Cash™ Card. rates and fees The Blue Business® Plus Credit Card from American Express
Is the Amazon Business American Express Card right for you?
The Amazon Business American Express Card may be right for you if you don'
But if you’re already OK with such tracking and you already shop frequently enough at Amazon and its eligible properties, the card's Prime-focused sibling — the Amazon Business Prime American Express Card — will probably offer you more value.
And if you simply don’t shop a lot with Amazon at all, you're better off with a general small-business rewards credit card
To view rates and fees of The American Express Blue Business Cash™ Card, see this page
To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page
All information about the Amazon Business Prime American Express Card has been collected independently by NerdWallet. Amazon Business Prime American Express Card is no longer available through NerdWallet.
All information about the Amazon Business American Express Card has been collected independently by NerdWallet. Amazon Business American Express Card is no longer available through NerdWallet.