Amazon Business Credit Card: Our Top Picks for 2024
Written By Danica Jovic
Updated: February 6, 2024
A credit card is a necessity for many business owners, as there are substantial expenses to be covered from month to month. If a large chunk of those expenses goes to Amazon purchases, it’s only logical to think of getting an Amazon Business credit card.
Since there is a great number of offers on the market, you may find yourself in a dilemma about which one to select. Here is an overview of four Amazon Business credit cards to help you in your search for a card that will best suit your needs.
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1. Amazon Business Prime American Express Card
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Annual fee:
$0
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Welcome bonus:
$125 Amazon Gift Card
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Rewards:
5% back on the first $120,000 spent on purchases, or 90-day payment deferment on US purchases from Amazon, AWS, Whole Foods or Amazon Business with an eligible Prime membership; 2% back on each dollar spent on select purchases; 1% back on all other purchases.
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APR:
17.99%-25.99%
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Foreign transaction fee:
$0
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Other fees:
Cash advance fee, late payment fee, returned item fee
- ⦿Attractive welcome bonus
- ⦿Up to 5% back
- ⦿No annual, overlimit, or foreign transaction fees
- ⦿High APR
- ⦿Requires a Prime membership
- Credit card purchase protection: Up to $50,000 per cardholder per calendar year
- Travel-related insurance: Car rental loss and damage insurance, and baggage insurance plan
Eligibility Requirements
For this Amazon Business credit card, requirements include a personal Amazon Prime membership or Business Prime membership. The personal Prime membership comes with a price tag of $139 per year or $14.99 per month. On the other hand, the Business Prime membership starts at $69 per year for one user, and goes up to $10,099 per year for over 100 users.
While Amazon and American Express haven’t outlined the specific credit score requirements on their respective websites, reviews suggest that you need a good credit score of at least 690 to qualify.
APR
The APR for this Amazon Business Prime card is on the higher side, as it ranges from 17.99% to 25.99%. The exact percentage you’ll be charged depends on your creditworthiness and other factors. The higher the credit score, the lower the APR.
Due to the high regular APR, we would expect an intro APR, but regrettably, there is no such offer here. On top of that, the APR for cash advances is 28.74%, and the penalty APR reaches 29.99%.
Fees
While there are several fees that come with this card, you will be able to avoid annual membership fees, foreign transaction fees, and overlimit fees. Nevertheless, for late payments, you’ll be charged up to $39. The cash advance fee is either $5 or 3% of the advance amount, whichever sum ends up being higher. Finally, the returned payment fee is $39.
Rewards
The attractive welcome offer that the Amazon Business Prime American Express Credit Card features is a $125 Amazon Gift Card. This gift card can be used for eligible Amazon purchases, but not for buying another gift card.
The credit card also comes with a rewards point system, which can earn you up to 5% back. For one, you get the option to either defer your payment for 90 days, or receive 5% back on US purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market with an eligible Prime membership.
Furthermore, 2% back in the form of points applies to US purchases at gas stations, restaurants, and wireless telephone services bought directly from service providers. Lastly, all other purchases are eligible for 1% back.
You may redeem the points on select purchases at Amazon.com and Amazon.com/Business or use them for a statement credit. If you opt for the statement credit, the amount will be deducted from your outstanding balance.
Benefits
Apart from the generous rewards and an appealing welcome bonus, this card comes with a number of other benefits, as evidenced by a range of positive Amazon Business Prime American Express card reviews. There are notable perks for frequent travelers, as you get car rental loss and damage insurance and a baggage insurance plan.
What is more, certain purchases are covered by the purchase protection plan for up to 90 days. Specifically, if the item you bought through Amazon gets damaged or stolen, you’ll be reimbursed. The limit for how much gets covered is up to $50,000 per cardholder and $1,000 per occurrence.
There’s also the extended warranty, where purchase warranties can get extended for up to one additional year. This applies to items whose warranties don’t exceed five years.
2. Amazon Business American Express Card
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Annual fee:
$0
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Welcome bonus:
$100 Amazon Gift Card
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Rewards:
3% back or 60-day payment deferment on purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market; 2% back at restaurants, gas stations, and wireless phone services; 1% back on all other purchases.
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APR:
17.99%-25.99%
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Foreign transaction fee:
$0
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Other fees:
Cash advance fee, late payment fee, and returned payment fee
- ⦿Car rental loss and damage insurance
- ⦿No annual fee or foreign transaction fee
- ⦿Baggage insurance
- ⦿High APR
- ⦿Point return doesn’t go above 3%
- Credit card purchase protection: Up to $50,000 per cardholder per calendar year
- Travel-related insurance: Car rental loss and damage insurance, baggage insurance plan, Global Assist® Hotline
Eligibility Requirements
To be eligible for this American Express Amazon Business credit card, the applicants must be at least 18 years of age. Additionally, they must be authorized by their company to make business decisions on its behalf. When it comes to the credit score needed for this Amazon credit card, it’s recommended to have at least a score of 700.
APR
The APR for this card is as high as the one that applies to the already mentioned Amazon card, ranging from 17.99% to 25.99%. The rules for what APR is assigned to each individual are the same.
Fees
Same as with the previous card, fees that apply to this Amazon credit card for business include cash advance, late payment, and returned payment fees. The cash advance fee is either $5 or 3% of the advance, whichever amount is greater, the late payment fee is up to $39, while the returned payment fee equals $39.
Rewards
The rewards you get with this card are slightly less generous than the ones that come with the Amazon Business Prime American Express Card. Namely, you receive an Amazon gift card in the amount of $100 as part of its welcome offer.
In addition, there’s the 3% back in points or 60-day payment deferment on Amazon Business, AWS, Amazon.com, and Whole Foods Market purchases. A return of 2% is earned on purchases made at restaurants, gas stations, and wireless phone services, whereas all other purchases are eligible for 1% back.
Benefits
This card brings its users a series of benefits, such as purchase protection. Extending to covered purchases, this feature offers a reimbursement of up to $50,000 a year per card holder, in case the items get damaged or stolen. There is also travel-related insurance, which includes car rental loss and damage insurance, a baggage insurance plan, and the Global Assist® Hotline.
3. Amazon Prime Rewards Visa Signature Card
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Annual fee:
$0
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Welcome bonus:
$150 Gift Card
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Rewards:
5% cash back on Amazon.com and Whole Foods Market; 10% or more back on eligible products on Amazon; 2% back at US restaurants and gas stations; 1% back on all other purchases.
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APR:
17.99%-25.99%
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Foreign transaction fee:
$0
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Other fees:
Balance transfer fee, cash advance fee, late payment fee, returned items fee
- ⦿No annual or foreign transaction fees
- ⦿Lucrative rewards
- ⦿Travel accident insurance
- ⦿Several hefty fees
- ⦿Requires paid Prime membership
- Credit card purchase protection: Up to $50,000 per cardholder per calendar year
- Travel-related insurance: Travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, and travel accident insurance.
Eligibility Requirements
The requirement that a person must fulfill in order to obtain this card is to be a Prime member. However, there is a number of perks for those who sign up for the membership, including 5% and 10% back on certain purchases. With this Amazon Business Prime card, the credit score you’ll need to get approved is at least 670.
APR
The APR for this card is between 17.99% and 25.99%, which seems to be a trend for Amazon Business credit cards. What’s different about this card is that you can enjoy the 0% intro APR for six to 18 months on purchases over $50. However, if you opt for this interest-free period, you don’t get the 5% and 10% back on eligible purchases.
Fees
There are no annual or foreign transaction fees with this Amazon Business card. However, you’ll need to pay other fees, from the balance transfer fee and cash advance fee to the late payment fee and returned items fee. The balance transfer fee is either $5 or 5%. Which one you’ll be charged is based on which amount is higher. The cash advance fee can be $10 or 5%. Both the late payment and the return payment fee go up to $39.
Rewards
What’s different about this card is that there’s an opportunity to receive as much as 10% back, which makes it one of the best credit cards for Amazon. However, you should know that this only applies to a rotating selection of products from Amazon. The points can be redeemed on eligible purchases or for cash, whereas other options include travel and gift cards.
Moreover, 5% back can be earned on Amazon.com and Whole Foods Market purchases, while restaurant and gas station purchases are eligible for 2% back. As is the case with other business credit cards from Amazon, for all other purchases you get 1% back.
Benefits
This is another card with perks for those who frequently go on business trips, as it comes with travel and emergency assistance, as well as travel accident insurance. On top of that, your luggage is insured in case it gets lost or delayed. There is also the purchase protection that you get with other Amazon cards, too.
4. Amazon Rewards Visa Signature
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Annual fee:
$0
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Welcome bonus:
$60 Amazon Gift Card
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Rewards:
3% back on Amazon.com and Whole Foods Market; 2% back at restaurants and gas stations; 1% back on all other purchases.
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APR:
17.99%-25.99%
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Foreign transaction fee:
$0
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Other fees:
Balance transfer, cash advance fee, late payment fee, return payment fee.
- ⦿0% intro APR for 6 to 18 months
- ⦿No annual or foreign transaction fees
- ⦿Travel accident insurance
- ⦿A number of hefty fees
- ⦿The welcome bonus amount could be higher
- Credit card purchase protection: Up to $50,000 per cardholder per calendar year
- Travel-related insurance: Travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, and travel accident insurance.
Eligibility Requirements
The Amazon Rewards Visa Signature lets you reap at least some of the benefits of the Amazon Prime Rewards Visa Signature Card without having to subscribe to a paid membership. In line with that, the rewards are less generous. When it comes to credit score requirements, this Amazon Business credit card approval odds are virtually the same as with the previous candidates.
APR
The APR is as high as for the other cards on this list, between 17.99% and 25.99%. Same as with the Prime version of this Amazon credit card for a small business, there’s an intro APR of 0% for the first six to 18 months.
Fees
Some of the fees for this card are higher than for other cards, particularly in terms of cash advances and balance transfers. The cash advance fee totals either $10 or 5%, depending on which amount is higher. The balance transfer fee works the same way, and is either $5 or 5%. Return payment and cash advance will cost you up to $39. Luckily, there are no annual membership fees, foreign transaction fees, or return check fees.
Rewards
The Amazon Rewards Visa Signature Card rewards include a welcome bonus, points, and intro APR. As part of its welcome offer, anyone who gets approved for the card is awarded a $60 Amazon Gift Card, which is low compared to some other Business credit cards offered by Amazon.
Nevertheless, you get to choose between 3% back on Amazon.com and Whole Foods Market, and a 0% intro APR applied on purchases where at least $50 is spent. Furthermore, 2% back applies to purchases made at restaurants and gas stations, and 1% to all other purchases.
Benefits
While this card’s rewards differ from the ones you get with the Amazon Prime Rewards Visa Signature Card, other benefits are the same. It offers travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, and travel accident insurance, as well as purchase protection.
Our Methodology
Reviews of the four Amazon Business credit cards that we presented in this article were based on meticulous research. We applied specific criteria against which we made our comparisons. Below are the factors we took into account.
Eligibility Requirements
Not everyone can acquire a credit card, as each card comes with certain prerequisites, the most common being the minimum credit score. Therefore, before you apply for an Amazon Business credit card, you should make sure you meet the eligibility requirements.
It should be noted that the Amazon website doesn’t outline the credit score requirements. However, according to a number of other sources, you usually need at least a good score to obtain one of these cards. If you don’t have a good credit score, you may opt for one of the business loans intended for people with bad credit.
Technically, you don’t need to be an Amazon Business customer to be eligible for an Amazon small business credit card of your choosing. The cards were designed to accommodate all customers who want to make Amazon purchases for business purposes.
APR
The Annual Percentage Rate (APR) is another factor to consider when choosing a credit card. Simply put, it’s the interest rate charged for carrying a balance. Credit card issuers may charge a number of APRs, which includes the regular APR and cash advance APR. as of May 2022, the average regular APR was 16.65%. There is also a penalty APR, which is typically charged when the credit card holder is late with their payment.
You can avoid the interest rate by paying off your balances on time. Moreover, in some cases, credit card issuers offer an introductory APR. The intro APR offer usually lasts between six and 18 months. This is a promotional interest rate, so it’s always lower than the regular APR, in some cases being 0%. This can be a great start when it comes to financing a small business, as it allows plenty of time to become financially stable.
Fees
While by no means anyone’s favorite part about credit cards, fees are an integral part of owning one. Amazon Business credit card fees can include the annual fee, foreign transaction fee, balance transfer fee, cash advance fee, late payment fee, and return payment fee.
Rewards
The most exciting aspect of credit cards is their reward system, which typically comes in the form of cashback and welcome offers. Amazon credit cards for business usually offer up to 5% back on select purchases, and gift cards as welcome bonuses. Some Amazon credit cards even offer payment deferment, which allows cardholders to pay for Amazon items at a later date.
Benefits
Apart from the rewards system, we also took into account other benefits these cards can bring to their users. For instance, this can include travel-related insurance, such as insurance on rental car damage, and baggage loss.
In addition, some cards have the buying protection feature. What this means is that if the item you purchased using the card gets stolen or damaged, you’re eligible for a refund or item replacement over a specific period.
Our Methodology
Reviews of the four Amazon Business credit cards that we presented in this article were based on meticulous research. We applied specific criteria against which we made our comparisons. Below are the factors we took into account.
Eligibility Requirements
Not everyone can acquire a credit card, as each card comes with certain prerequisites, the most common being the minimum credit score. Therefore, before you apply for an Amazon Business credit card, you should make sure you meet the eligibility requirements.
It should be noted that the Amazon website doesn’t outline the credit score requirements. However, according to a number of other sources, you usually need at least a good score to obtain one of these cards. If you don’t have a good credit score, you may opt for one of the business loans intended for people with bad credit.
Technically, you don’t need to be an Amazon Business customer to be eligible for an Amazon small business credit card of your choosing. The cards were designed to accommodate all customers who want to make Amazon purchases for business purposes.
APR
The Annual Percentage Rate (APR) is another factor to consider when choosing a credit card. Simply put, it’s the interest rate charged for carrying a balance. Credit card issuers may charge a number of APRs, which includes the regular APR and cash advance APR. as of May 2022, the average regular APR was 16.65%. There is also a penalty APR, which is typically charged when the credit card holder is late with their payment.
You can avoid the interest rate by paying off your balances on time. Moreover, in some cases, credit card issuers offer an introductory APR. The intro APR offer usually lasts between six and 18 months. This is a promotional interest rate, so it’s always lower than the regular APR, in some cases being 0%. This can be a great start when it comes to financing a small business, as it allows plenty of time to become financially stable.
Fees
While by no means anyone’s favorite part about credit cards, fees are an integral part of owning one. Amazon Business credit card fees can include the annual fee, foreign transaction fee, balance transfer fee, cash advance fee, late payment fee, and return payment fee.
Rewards
The most exciting aspect of credit cards is their reward system, which typically comes in the form of cashback and welcome offers. Amazon credit cards for business usually offer up to 5% back on select purchases, and gift cards as welcome bonuses. Some Amazon credit cards even offer payment deferment, which allows cardholders to pay for Amazon items at a later date.
Benefits
Apart from the rewards system, we also took into account other benefits these cards can bring to their users. For instance, this can include travel-related insurance, such as insurance on rental car damage, and baggage loss.
In addition, some cards have the buying protection feature. What this means is that if the item you purchased using the card gets stolen or damaged, you’re eligible for a refund or item replacement over a specific period.
Top-rated Amazon Business Credit Cards
- Amazon Business Prime American Express Card
- Amazon Business American Express Card
- Amazon Prime Rewards Visa Signature Card
- Amazon Rewards Visa Signature