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Amazon Business American Express Card

Credit needed
Good
APR
14.24% to 22.4%
Annual Fee
$0

Card Summary

Amazon Business American Express Card offers small-business credit cards that have no annual fees and offer bonus points on Amazon.com purchases.

Eligible purchases in the U.S. can be made at Amazon Business (AWS), Amazon.com, Whole Foods Market, Amazon Web Services (AWS) or Amazon Business (0% APR for 60 days).

Bonus cashback applies only to eligible first $120,000 purchases. After that, 1% is earned.

The variable APR on the card ranges from 14.24% up to 22.24%% depending upon your creditworthiness.

Earn 2% at U.S. gasoline stations and U.S. restaurants, and 1% on all purchases.

After approval, new Amazon Business American Express card holders will receive $100 Amazon gift cards.

Card Summary - Cons

Rates and fees

Issuer Name
American Express
Penalty APR
29.24%
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$0
Cash Advance Fee
Cash advances are either $5, or 3% depending on the greater amount.
APR
14.24% to 22.4%
Foreign Transaction Fee
None
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The Best Features

The Amazon Business American Express card offers two options.

You can either earn a 0% APR over 60 days, or 3% cashback on eligible U.S. orders at Amazon Business, AWS and Amazon.com (bonus cashback applies for the first $120,000 worth of eligible purchases; then, 1%).

Earn 2% at U.S. gasoline stations and restaurants, and 1% on all purchases. You can choose to get interest-free financing.

The card allows you to either earn 3% or receive a 60 day 0% APR for purchases in the U.S. at Amazon Business, AWS and Amazon.com (bonus cashback applies to eligible purchases up to $120,000, then 1%).

Cardholders who choose the 0% option will be charged a variable interest rate of between 14.24% and 22.24%% depending on their creditworthiness.

The interest-free option is available for any eligible purchase during your account's lifetime.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Limited redemption flexibility: The points earned by the Amazon Business American Express card cannot be used to credit eligible Amazon.com or Amazon.com/ Business purchases, nor can they be used for reimbursement towards a statement charge.

High interest rates: Cardholders who decide to not take advantage of the low 0% APR for sixty days on U.S. orders at Amazon Business and Amazon.com will be charged a variable APR between 14.24% and 22.24%% depending on creditworthiness.

Highlights

Receive a $100 Amazon.Com gift card upon approval for the Amazon Business American Express card. Amazon Business, AWS and Whole Foods Market offer a 3% back or 60-day terms on all U.S. orders.

Each calendar year earn 3% back on your first $120,000 purchase and 1% back thereafter. U.S. restaurant and gas station discounts of 2%, as well as wireless phone services bought directly from U.S. providers, are eligible for a 2% back Other purchases eligible for a 1% discounted. Get deeper insight into purchases to simplify expense reconciliation.

You can view Amazon Business purchase items item-by-item in a downloadable PDF file that you can access from your online account.

You can redeem rewards at any time, and they don't expire. You can save money on Amazon.com or Amazon Business (U.S.), and you can also apply for a credit on your next statement

Benefits

Comparative Analysis with Other Cards

Amazon Business American Express Card Vs. Amazon Business American Express Card vs.

Annual Fee: There is no annual fee for the card.

Reward: You can choose to take 60 days off to pay no interest or to earn 3% on eligible U.S. orders at Amazon Business, AWS and Amazon.com with the Amazon Business American Express Card. The bonus cash back is applicable to eligible first $120,000 purchases. After that, 1%. You will earn 2% at U.S. stations and restaurants, and 1% on all purchases.

The Ink Business Cash Credit Card will give you 5% cashback on your first $25,000 combined purchase at U.S. office supply stores, on internet, cable, and telephone services, and 2% back for the first $25,000 combined purchase at restaurants and gas stations each year.

New Amazon Business American Express Card Holders receive $100 Amazon Gift Cards upon approval. After you have spent $7,500 in your first three months of account opening, the Ink Business Cash Credit Card will give you a $750 cash bonus.

Benefits: No foreign transaction fees and benefits like a baggage plan and access to the Global Assist Hotline. Also, car rental loss or damage insurance through the Amazon Business American Express Card.

Benefits of the Ink Business Cash credit card include purchase protection and extended warranty coverage.

Amazon Business American Express Card Vs. Capital One Spark cash Select for Business

Annual fees: There is no annual fee for either card.

Reward: The Amazon Business American Express card allows you to either pay no interest for 60 days or get 3% cashback on eligible U.S. orders at Amazon Business, AWS and Amazon.com (bonus cashback applies only to eligible purchases over $120,000, after which 1% is applicable). You can get 2% back from U.S.-based gas stations and restaurants, as well as 1% on all purchases.

All Capital One Spark Cash Select Business cardholders receive 1.5% cashback on purchases New Amazon Business American Express card holders will receive $100 Amazon gift cards upon approval.

Capital One Spark Cash Select for Business provides a $200 bonus cash after you spend $3,000 within the first three months of your account opening.

Benefits: Amazon Business American Express Card has no foreign transaction fees and offers benefits like a baggage plan, global assistance hotline access, and rental car loss and damage insurance.

Capital One Spark Cash Select for Business offers an auto rental collision damage waiver and purchase security. It also includes extended warranty protection and travel and assistance services.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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