Editorial Review

Amazon Business Prime AmEx Review: High Rewards or 0% Period

Choose between a top rewards rate on Amazon-related purchases or a temporary interest-free window on them. But you must be an Amazon Business Prime member to get the card.

Melissa LambarenaMay 10, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Our Take

The Bottom Line: If you're already an Amazon Business Prime member, this card can offer value on spending you're doing anyway, and potentially defray the cost of that annual membership fee.

Amazon Business Prime American Express Card

on American Express's website

Rates & Fees

on American Express's website

Rates & Fees
Annual Fee


Regular APR

16.49% - 24.49% Variable APR

Intro APR


recommended credit score

Quick FactsView rates and fees

Annual Fee
Regular APR
16.49% - 24.49% Variable APR
Intro APR

Pros & Cons

  • No annual fee

  • No foreign transaction fee

  • Amazon Business Prime membership required

Full Review

If you're already an Amazon Business Prime member, it might be worth adding the Amazon Business Prime American Express Card to your toolkit.

You'll get either a high rewards rate on Amazon-specific and eligible Amazon-related spending, or a window of time during which you can pay off those purchases interest-free: It's your choice. Either way, you'll also earn elevated rewards on other common business expenses not related to Amazon, and you'll get access to a multitude of business-related side perks.

Officially, the card's annual fee is $0. But to get it, you'll have to be an Amazon Business Prime member, and that comes at a significant yearly cost.

NERD NOTE: If you’re not interested in paying for an Amazon Business Prime membership, there's a sister card that doesn't require it. The Amazon Business American Express Card delivers similar but less lucrative benefits, also for an annual fee of $0.

Amazon Business Prime American Express Card: Basics

Card type: Small business.

Annual fee: $0. (But an Amazon Business Prime membership is required, and pricing for that varies, starting at $179 per year.)

NERD NOTE: An Amazon Business Prime membership offers most of the same shipping options you'd get with a regular Prime membership, but you'll also get extras. Depending on the annual membership tier you purchase — there are four, all at different price points — you'll gain access to a suite of tools that can be useful for your business, including things like members-only savings and purchase analytics.

Welcome offer: Get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.


  • 5% back on U.S. purchases at Amazon Business, Amazon Web Services, Amazon.com and Whole Foods Market, or a 90-day interest-free period.

  • 2% back at U.S. restaurants, U.S. gas stations and wireless telephone services purchased directly from U.S. service providers.

  • 1% back on all other purchases.

  • Terms apply.

Technically, "% back" rewards come in the form of points in the Amazon rewards program. Every 100 points earned in "% back" rewards is 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 16.49% - 24.49% Variable APR.

Foreign transaction fee: None. (But as an American Express card, international acceptance may be an issue.)

Other perks:

  • Enhanced data views on americanexpress.com allow you to download line item details of your Amazon Business transactions.

  • Access to other expense-tracking tools (see below).

  • Business-only pricing gets you exclusive prices and discounts on more than 5 million products.

  • Employee purchase control lets you stay on top of employee accounts with multi-user accounts, shared payment methods, approval workflows and spending limits.

  • Business benefits from American Express provide business tools, purchase protection, extended warranty protection and travel protections such as car rental loss and damage insurance, to name a few.

  • You'll get up to 99 free employee credit cards.

Why you might want the Amazon Business Prime American Express Card

Valuable, flexible perks: If you're already knee-deep in the Amazon ecosystem, this card's 5% bonus categories can be quite valuable on spending that you're already doing. Or, if it's more important that you're able to finance a large purchase for your business upfront, the card's 90-day interest-free period can help you out. You'll have the option to choose either depending on where you shop. For purchases at Amazon Business, Amazon Web Services, Amazon.com, Whole Foods Markets, Amazon Go and Amazon Books, you can select an option on your card management page. (For Amazon Business and Amazon.com purchases, the options will also be available upon checking out.) Regardless of which option you choose, you'll still snag elevated rewards of 2% back in several popular spending categories not related to Amazon at all, and 1% back on everything else. Terms apply.

A reasonable welcome offer: For a $0-annual-fee card, the Amazon Business Prime American Express Card has a decent bonus offer: Get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card. That’s enough to defray much of the cost of a baseline one-year Amazon Business Prime membership.

Business-expense tracking tools: Downloadable, line-item expense reports? Check. Ways to monitor or limit employee spending? Check. You'll also get access to Spend Manager, accessible via desktop or via an app for iOS and Android devices. It lets you snap photos of your receipts, categorize transactions, and oversee employee spending to stay organized come tax time. Your receipts are stored for seven years, unless you close your account before that time. You can also connect Spend Manager to QuickBooks, a service that further simplifies your accounting. Receipts are sent to your QuickBooks online account every time you upload them. (You’ll need to pay for a subscription to QuickBooks Online to use this feature.)

Why you might want a different card

Membership is required: This card technically has a $0 annual fee — but the cost of a Business Prime membership, which varies by plan, must be factored in. Plan prices range from a baseline of $179 per year (the "essentials" plan) to an eye-popping $10,099 annually for much (much) larger businesses. Regardless of your tier, you'll get unlimited free two-day shipping, free same-day and one-day delivery on qualifying orders, as well as other delivery options. To determine whether the membership is worth the cost, start by considering how much you spend on shipping purchases annually, and then evaluate what other Business Prime features you might like to have and which tier offers them. Keep in mind that if you buy the cheapest plan, you could make up the cost of it by spending $3,580 per year on Amazon.com with the Amazon Business Prime American Express Card. And again, if you're not interested in paying a membership fee, you could opt for this card's sister product, the Amazon Business American Express Card.

You travel frequently for business: The Amazon Business Prime American Express Card isn’t an ideal companion for all business trips. It doesn’t charge foreign transaction fees, but American Express isn't as widely accepted internationally as Visa or Mastercard. The card does pack some travel protections, but so do many other cards. The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, for example, features travel accident insurance, lost luggage reimbursement, trip cancellation coverage and trip delay reimbursement. You'll earn a flat 1.5 points per $1 spent (3 points per $1 spent on travel purchases booked through the Bank of America® Travel Center). As a Mastercard without foreign transaction fees, this card is well equipped to travel. It also has a $0 annual fee.

You don't want to keep track of bonus categories: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is a good option to consider instead thanks to its flat rate on everything you buy — but you can do even better if you're willing to pay an annual fee. The Capital One® Spark® Cash for Business earns 2% cash back on all purchases, not to mention a massive sign-up bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. The annual fee is $0 for the first year, then $95. If you're dead set against an annual fee, the Ink Business Unlimited℠ Credit Card will earn you 1.5% back on everything, while also offering a large sign-up bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. Its annual fee is $0.

You prefer a longer 0% intro APR period upfront: The Blue Business℠ Plus Credit Card from American Express doesn't let you alternate between choosing rewards and an interest-free period, but it does offer an even longer break from interest payments upfront. You'll get an intro 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 15.49% - 21.49% Variable APR. This card earns 2 points per $1 spent on the first $50,000 in purchases made per year, and then 1 point per $1 spent after that. It has a $0 annual fee.

Is the Amazon Business Prime American Express Card right for you?

The Amazon Business Prime American Express Card is a good choice for Business Prime customers who already shop Amazon.com and its eligible properties frequently. The option for an interest-free period, in particular, is a welcome one if your business is stretched thin a few months out of the year.

Otherwise, a flat-rate business credit card that earns the same rewards rate on all spending — and doesn't require any kind of membership — might be less complicated and offer more value overall.