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Amazon Business Prime American Express Card

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

Card Summary

Amazon Prime members who are eligible can apply to the Amazon Business Prime American Express Card. This card allows them to earn reward points for purchases made by their business.

You can earn either 5% or 0% annually on certain Amazon and Whole Foods Market purchases for up to 90 days (bonus cashback applies only to eligible orders over $120,000, after which it becomes 1%).

You can get 2% back from U.S.-based gas stations, restaurants, and wireless service providers.

The variable APR for the card is 14.24% to 22.244% depending on creditworthiness.

After approval, new Amazon Business Prime American Express Card holders get a $125 Amazon Gift Card.

Amazon Business Prime American Express Card does not have an annual or foreign transaction fee.

The card benefits include access to Global Assist Hotline and baggage insurance.

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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American Express

The Best Features

Amazon Business Prime American Express card holders are eligible to receive either 5% or 0% back on eligible U.S. orders at Amazon Business, Amazon Web Services and Amazon.com. Bonus cash back is available for the first $120,000 worth of eligible purchases.

After that, 1% will be awarded. You will receive 2% back from U.S. gasoline stations. U.S.-based restaurants and wireless services purchased from U.S. suppliers, as well as 1% back for everything else.

Optional interest-free financing available: Amazon Business Prime American Express Card holder can get 5% cashback at Whole Foods Market and Amazon.

Bonus cash back is applicable to eligible first purchases up to $120,000, thereafter 1%. You can also opt for interest-free financing of up to 90 days, purchased by purchase.

This interest-free option is available for every purchase eligible you make throughout your account's life.

Variable purchase APRs will apply to cardholders who select this promo rate within 90 days. This is based on creditworthiness.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Amazon Prime member required to apply for Amazon Business Prime American Express card.

The card can be downgraded to an Amazon Business American Express Card if you do not have an eligible membership, or yours expires.

This offers either 3% or 60-day interest-free for select Amazon or Whole Foods Market purchases.

Bonus cash back is available up to $120,000, and then 1%. The other reward categories are the same.

There are limited ways you can redeem your rewards.

Amazon Business Prime American Express card rewards cannot be used towards a payment on your statement, or as credit for eligible Amazon.com/Amazon Business purchases.

High interest rates: Customers who purchase eligible Amazon or Whole Foods Market products can earn 5% back.

However, they cannot receive interest-free financing for 90 days.

The bonus cash back is only applicable to purchases up to $120,000. After that point, 1% will apply.

Based on creditworthiness, the card has a variable interest rate of between 14.24% and 22.24%.

Highlights

After approval of the Amazon Business Prime American Express Card, you will receive a $125 Amazon.com Gift Card.

Purchases in the United States at Amazon Business and AWS are eligible for a 5% back or 90-day terms. Each calendar year earn 5% 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. Other purchases eligible for a 1% back 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 Prime American Express Card and American Express Blue Business Cash Card

Annual Fee: While neither card has an annual fee; however, the Amazon Business Prime American Express Card is subject to an Amazon Prime member.

Reward: With the Amazon Business Prime American Express Card, users can choose to either pay no interest for 90 days or earn 5% back when they shop at Whole Foods Market and Amazon. Bonus cash back is available up to $120,000 of eligible purchases. After that, 1% will be applied.

U.S.-based restaurants, gas stations, and wireless service providers will give you 2% back. All other purchases are eligible for 1% cash back.
American Express Blue Business Cash Card Holders get 2% cashback on eligible purchases up to $50,000 annually. Then, 1%.New Amazon Business Prime American Express card holders will receive a $125 Amazon Gift Card upon approval.

After you spend $3,000 on the American Express Blue Business Cash Card within your first three months, you will receive a $250 credit to your account.

Benefits: Amazon Business Prime American Express card holder benefits include baggage insurance, car rental loss and damages insurance, and no foreign transaction fees. American Express Blue Business Cash Card users have access to buy protection, extended warranty coverage and baggage insurance.

They also get access to Global Assist, which offers access to helpline numbers and car rental loss/damage insurance.

Amazon Business Prime American Express Card Vs. Amazon Business Prime American Express Card

Annual Fee: To be eligible for the Amazon Business Prime American Express card, you must have an Amazon Prime Membership. Annual fee for the Ink Business Preferred Credit Card is $95.

Reward Options: With the Amazon Business Prime American Express Card, you can either pay no interest for 90 days or get 5% cashback on eligible Amazon purchases (bonus cash back is only applicable to eligible orders over $120,000). American gas stations, restaurants in the U.S. and wireless services purchased from U.S. suppliers earn cardholders 2% back.

The Ink Business Preferred credit card earns three points for every $150,000 in travel, shipping and internet purchases. You can also use the credit card to make advertising purchases via social media or search engines. Other purchases earn 1 point per $1.

New Amazon Business Prime American Express card holders will receive a $125 Amazon Gift Card upon approval. After spending $15,000 in the initial 3 months of account opening, New Ink Business Prime American Express Card holders receive 100k bonus points.

Chase Ultimate Rewards (r) will give you $1,250 towards travel or $1,000 cash back.

Benefits: Other benefits include no foreign transaction fees and car rental damage and insurance. Cardholders of the Ink Business Preferred Credit Card have access to trip cancellation, interruption insurance, coverage for auto rental collision damage waiver, and protection against cellphone purchase and extended warranties.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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American Express