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Amazon Business Credit Card: Our Top Picks for 2022

Danica Jovic Image
ByDanica Jovic
June 23,2022

When you are a business owner, it’s important to have a credit card that best suits your needs. If you spend a lot on Amazon purchases, it only makes sense you’ll look for a business credit card that offers good rewards for Amazon expenses. 

There are several good Amazon credit cards, and each has its benefits and drawbacks. In addition, there are also business credit cards that you can use to earn rewards and perks on Amazon purchases. 

In this article, we’ll look at several options among Amazon business credit cards and see if any of them are the right choice for your business.

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1. Amazon Business Prime American Express Card

Amazon Business Prime American Express Card Logo GET STARTED
Amazon Business Prime American Express Card is one of the best cards for Amazon purchases. It comes with a 5% back on the first $120,000 in purchases a year, as well as 2% back on each dollar spent on selected purchases. You’ll also get a 1% back on other eligible purchases. The card comes with a generous welcome bonus and a $0 annual fee, which makes it a perfect choice for anyone. The only downside is that there is no 0% intro APR.
Annual fee:

$0

Welcome bonus:

$125

Rewards:

5% back on the first $120,000 in purchases, 5% back or 90-day free financing on US purchases at Amazon, AWS, Whole Foods or Amazon Business; 2% back on each dollar spent on selected purchases; 1% back on all other purchases

APR:

14.99%-22.99%

Foreign transaction fee:

None

Other fees:

Cash advance fee, late payment fee, returned item fee

pros thumb up Pros
  • ⦿Attractive welcome bonus
  • ⦿Generous rewards rates
  • ⦿QuickBooks connection
pros thumb up Cons
  • ⦿Require good to excellent credit score
  • ⦿No intro APR

Welcome Offer: $125 Amazon gift card

Credit card purchase protection: up to $50,000 per cardholder per calendar year

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Amazon Business Prime American Express Card is one of the best business credit cards for small business owners. It offers up to 5% back for Amazon purchases, and it allows you to earn 2% back through rewards at gas stations, restaurants, and telephone services

Eligibility Requirements

The biggest downside of the Amazon Prime Business Card is that it can be difficult to obtain. According to the reviews, you need to have a good to excellent credit score to apply for an Amazon Business Prime American Express Card.

APR 

Amazon Business Prime American Express Card has a variable APR between 14.99% and 22.99%. The rate you’ll get depends on several factors, including your credit score and credit history. Unfortunately, this business credit card doesn’t offer a 0% introductory APR period. 

Fees

You don’t need to worry about countless fees for costs that go with this credit card. Amazon Business Prime Credit Card comes with a zero annual fee and no foreign transaction fees

However, there is a late payment fee and a fee for returned items. Both of these fees go up to $39. The cash advance fee also applies, and it can be either 3% of the amount of 5$, whichever is greater. 

Rewards

One of the reasons why so many business owners prefer this credit card is its generous welcome offer, a $125 Amazon gift card

You can expect several other types of rewards with this card. You will get a 5% back on US purchases or an option to pay 90 days later at Amazon,  Amazon Web Services, Whole Foods Market, and Amazon Business. There’s also a 2% back for the US restaurants, gas stations, and telephone services. Additional 1% back rewards apply to other purchases.  

Benefits

With Amazon Business Prime Card, you’ll also be able to use other benefits for premium members, including employee cards and the American Express® app. You can also require support from a professional account manager to track your credit card activity and manage payments. Moreover, you can connect the business credit card with popular accounting software - QuickBooks.

2. Amazon Business American Express Card

Amazon Business American Express Card Logo GET STARTED
With a 3% back or 60-day term with no interest on purchases at Amazon places, zero annual fees, and zero foreign transaction costs, Amazon Business American Express Card definitely deserves to be on the list of the best Amazon business credit cards. Card’s downside is that it requires a good credit score, which might be a problem for some consumers.
Annual fee:

$0

Welcome bonus:

$100 Amazon gift card

Rewards:

3% back or 60-day term with no interest on purchases at Amazon places; 2% back at selected purchases; 1% back on all other purchases

APR:

14.99%-22.99%

Foreign transaction fee:

None

Other fees:

Cash advance fee, late payment fee, and returned payment fee

pros thumb up Pros
  • ⦿Quick application process
  • ⦿No annual fees
  • ⦿Credit cards for employees
pros thumb up Cons
  • ⦿Requires a good credit score

Welcome Bonus: $100

Credit card purchase protection: up to $50,000 per per cardholder per calendar year

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Suppose you are a regular buyer at Amazon shops, but you don’t have an Amazon Prime small business credit card. In that case, Amazon Business American Express Card is a good option for you. Even without an Amazon membership, you’ll still enjoy various benefits, including shopping rewards, a welcome gift card, and free online statements.

Eligibility Requirements

Much like every business owner, you want to get a sound credit card for your business that grants affordable payments, a decent reward program, and additional payment services. For most financial products, including business loans and credit cards, you need to have a good credit score. According to the current clients’ reviews, the Amazon Business American Express Card requires a good to excellent credit score. 

During the application process, you’ll need to provide additional information during the application process, including your personal and business details. The online application process enables you to submit your application within 30 seconds. 

APR 

Just like with Amazon Prime Business Credit Card, you can expect an APR between 14.99%-22.99%, depending on your creditworthiness. The better your credit score and credit history are, the better APR you’ll get.

Fees 

Amazon Business American Express Card is a free card, meaning that there are no annual costs. The card doesn’t charge foreign transaction fees either. Fees apply to the standard cash advance, late payment, and returned payment. 

Rewards

With Amazon Business American Express Card, you will earn a $100 credit if you spend $3,000 on purchases during the first three months. 

You can choose between a 3% back or a 60-day repayment term on US purchases at Amazon, Amazon Business, AWS, and Whole Foods Market. The American Express Amazon Business Card gives a 3% back to consumers who spend $120,000 in purchases a year and a 1% back reward. 

Amazon Business American Credit Card offers a 2% back in the US restaurants and gas stations and wireless telephone services. In addition, there is a 1% back on other purchases.

Benefits 

One of the things you’re sure to enjoy about Amazon Business American Express Card is the extended buying power. This means that you can spend over your credit limit if your business needs it. 

Additional features include an option to set an account alert to control your spending or track the activity of your employees’ cards. Amazon American Express Business Card allows you to track your payments, rewards, and due dates.

3. Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card Logo GET STARTED
Amazon Prime Rewards Visa Signature Card offers lucrative rewards - 5% back on Amazon and Whole Foods Market purchases; 2% back at the US restaurants, gas stations, and drugstores; and 1% back on all other purchases. Moreover, you will enjoy a 0% APR for 6-18 months, as well as a $100 welcome offer. However, this card requires an Amazon Prime membership, which costs $139.
Annual fee:

$0

Welcome bonus:

$100

Rewards:

5% back on Amazon and Whole Foods Market; 2% back at restaurants, gas stations, and drugstores; 1% back on all other purchases

APR:

14.49%-22.49%

Foreign transaction fee:

None

Other fees:

Balance transfer, cash advance fee, late payment fee, return payment fee

pros thumb up Pros
  • ⦿0% intro APR for 6-18 months
  • ⦿Great rewards
  • ⦿Different redemption options
pros thumb up Cons
  • ⦿0% intro APR for 6-18 months
  • ⦿Great rewards
  • ⦿Different redemption options

Welcome bonus: $100

Credit card purchase protection: Up to $50,000 per cardholder per calendar year

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If you have just started your LLC, Amazon Prime Rewards Visa Signature Card might be a good option for you. This credit card is for premium members only, offering a high rewards rate with different redemption options. As it’s a Visa card, you can use it anywhere Visa is accepted and earn rewards. 

Eligibility Requirements

Like with other  Amazon Business credit cards, the application process goes directly through the Amazon website. The first step is to create an account and provide your details. A good to excellent credit score is required. 

APR 

The Amazon Prime Rewards Visa Signature Card offers a 0% intro APR for up to 18 months on purchases over $50. If you need to buy equipment for your business, for example, a printer, the zero APR period is a good option. However, after this period is over, the APR can be anywhere between 14.49% and 22.49%, depending on your creditworthiness. 

Fees 

The Amazon Prime Rewards Visa Signature Card is not the most affordable option when it comes to credit card costs. Unlike other Amazon business credit cards, Amazon Prime Rewards Visa Signature Card requires an Amazon Prime membership. The membership costs $139 annually, $69 if you are a student. 

Other costs include balance transfers which can be either $5 or 5% of the amount transferred. The cash advance fee is also higher than other cards, and it can be either  $10 or 5%, whichever is greater. 

Rewards 

With the Amazon Prime Rewards Visa Signature Card, you can earn rewards anywhere a Visa card is accepted. Earn up to 5% cash back at Amazon and Whole Foods, a 2% cash back at restaurants, gas stations, and drugstores, and a 1% back on all other purchases.

This Amazon small business credit card allows you to redeem the reward points for future Amazon purchases or cash. 

Benefits 

The Amazon Prime Rewards Visa Signature Card is a good option if you’re running a sole proprietorship because it allows you to get a credit card even if your business doesn’t have a credit score. You can get a credit card with various rewards and a $100 welcome bonus based on your credit score. As for the other benefits, there are travel insurance and purchase protections.

4. Amazon Rewards Visa Signature

Amazon Rewards Visa Signature Logo GET STARTEDD
Offering a 3% cash back on Amazon purchases, 2% back at the US restaurants, gas stations, and drugstores, and a 1% cash back on all other purchases, Amazon Rewards Visa Signature is a decent option for consumers with a good credit score. Unfortunately, the credit card is not for those who expect high welcome bonuses.
Annual fee:

$0

Welcome bonus:

$50

Rewards:

3% cash back on Amazon.com and Whole Foods Market; 2% back at the US restaurants, gas stations, and drugstores; 1% back on all other purchases

APR:

14.49%-22.49%

Foreign transaction fee:

None

Other fees:

Balance transfer fee, cash advance fee, late payment fee, returned items fee

pros thumb up Pros
  • ⦿No annual fee
  • ⦿Redeemable points for a cash
  • ⦿Buying power protection
pros thumb up Cons
  • ⦿Modest welcome offer and rewards

Welcome Bonus: $50

Credit card purchase protection: Up to $50,000 per cardholder per calendar year

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If you don’t have an Amazon Prime membership, you can apply for this Amazon business credit card. Amazon Rewards Visa Signature is another credit card issued by one of the best banks for small businesses, Chase bank. Card’s main benefit is a 3% reward program offered to all members and a $50 welcome bonus. 

Eligibility Requirements

Suppose you like Amazon Prime Rewards Visa Signature Card but aren’t willing to pay for an Amazon Prime membership. In that case, the Amazon Rewards Visa Signature is the best option for you and your small business. This card doesn’t cost anything to get it. As for this Amazon business credit card, your approval odds will depend on your credit score. You’ll need to have a good credit score to obtain the card. 

APR 

The APR for purchases and balance transfers is 14.49%-22.49%. The APR for cash advances is 25.24%. Unfortunately, the Amazon Rewards Visa Signature doesn’t offer a 0% intro APR period. 

Fees 

Amazon Rewards Visa Signature has the same fees as Amazon Prime Rewards Visa Signature Card. It means $0 annual fees and transaction costs and steep balance transfer fees and cash advances. In addition, this credit card charges up to $39 for late payments and up to $39 on returned items. 

Rewards 

Although the rewards are not so spectacular as with Amazon Business Credit Card American Express, you’ll still benefit from various types of rewards. You can earn 3% cash back on Amazon and Whole Foods Market and a 2% cash back at restaurants, gas stations, and drugstores. There’s a 1% back on all other purchases. You can redeem your points for Amazon purchases, gift cards, travel, or cash. 

Another great thing about this credit card is that it comes with a $50 welcome bonus. It’s not much, but it still can come in handy for office supplies, like staplers or notebooks. 

Benefits 

One of the best benefits of the Amazon Rewards Visa Signature credit card is purchase protection. Your new purchase will be covered against damage or theft for 120 days with this Amazon business credit card. The protection covers up to $500 per claim and $50,000 per account. 

There are many other benefits, including zero fraud liability, extended warranty protection, benefits on luxury hotels, and more.

5. American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card Logo GET STARTED
American Express Blue Business Cash™ Card is a great option for small business owners, offering a 0% APR for the first year and a generous welcome bonus of $250. The card comes with zero annual costs, but it charges industry-standard foreign transaction fees. Note that this credit card doesn’t allow cash advances.
Annual fee:

$0

Welcome bonus:

$250

Rewards:

2% cash back on selected purchases (up to $50,000 per year); 1% cash back on other purchases

APR:

13.99%-21.99%

Foreign transaction fee:

2.7%

Other fees:

Balance transfer fee, late payment fee, returned payment fee

pros thumb up Pros
  • ⦿No intro APR for the first 12 months
  • ⦿Great welcome bonus
  • ⦿$0 annual costs
pros thumb up Cons
  • ⦿No cash advance option

Credit card purchase protection: Up to $50,000 per cardholder per calendar year

Welcome bonus: $250

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The next one on our Amazon business credit card review list is American Express Blue Business Cash™ Card. Although it’s not precisely an Amazon product, the card is on our list because it brings rewards on Amazon purchases. The credit card also comes with a 0% intro period, enabling you to make interest-free purchases for your business for up to 12 months. 

Eligibility Requirements

American Express doesn’t show what credit score you need to get the American Express Blue Business Cash™ Card. However, client reviews on the Internet say that a good to excellent credit score is necessary. 

APR 

One of the best things about this credit card is a 0% intro APR for the first 12 months from opening the account. Should you consider doing business on Amazon, this credit card is a good option for buying costly equipment. For example, you can purchase shipping label printers for your eCommerce without paying interest in the first 12 months. 

After the intro APR period expires, your rate will be between 13.99% and 21.99%, which is more affordable than other competitors we reviewed. There’s no option for cash advances, and the card charges a penalty APR of 29.99% in case of more than two late payments in 12 months.

Fees 

When considering Amazon’s business credit card fees, the first thing worth mentioning is that the American Express Blue Business Cash™ Card doesn’t charge an annual membership fee but comes with some others, such as a 2.7% foreign transaction fee. Other expenses include up to $39 for late payments and returned items and a standard balance transfer fee. 

Rewards 

While there are better business credit cards in terms of rewards, the American Express Blue Business Cash™ Card is still worth your attention. You can earn up to 2% cash back on your first purchases, then 1% once you reach the $50,000 limit. The cash back will be deposited into your statement automatically. 

Another great benefit is a $250 statement credit for consumers who make at least $3,000 in purchases within the first three months.

Benefits 

American Express Blue Business Cash™ Card, like the majority of reputable credit cards, provides you with a dedicated account manager. You’ll get professional support to manage your American Express Blue Business Cash™ Card account. 

You’ll enjoy consumer purchase protection and expanded buying power on top of an array of account management tools.

Our Methodology

Before getting into the different options, we’ll look at our methodology. Choosing the right Amazon business credit card can be challenging as there are multiple things to bear in mind. The most benefits are reserved for those who purchase a lot on Amazon. 

When choosing the best card for your business, consider the following factors:

Eligibility Requirements

Most business credit cards have eligibility requirements, such as a minimum personal credit score or a minimum amount of time in business. Make sure you meet the requirements before applying for a business credit card for your new LLC

Although Amazon doesn’t show exact credit score requirements on its website, you should have a good to excellent credit score to get an Amazon card. A good credit score usually ranges between 670 and 739. According to the reviews, for Amazon Business Prime Card, a credit score should be above 690.

APR

The next thing to consider is the annual percentage rate. The APR on a credit card is the interest rate you’ll be charged on your outstanding balance at the end of the month. Although APR is expressed as a yearly rate, your credit card issuer will calculate the interest charges on your account monthly.

You can avoid paying interest on your credit card balance by paying off the monthly statement balance before the due date. Alternatively, you can choose a credit card with a 0% APR introductory rate for a certain period. However, only the best credit cards for Amazon have a zero APR period, and it’s usually six to 12 months. 

This can be helpful if you need to carry a balance for a few months or want to make a large purchase and then pay it off over time. Just be sure to understand the terms of the introductory offer before you apply, as some cards will revert to a higher APR after the intro period ends.

Fees

If you have a small business, you might consider a business credit card with no annual fee. Most business credit cards we reviewed have a $0 annual fee, saving you money on your business expenses. The Amazon business credit card payments abroad are also free. 

Like fees for balance transfers and cash advances, other expenses can add up if you’re not careful. Be sure to read the cardholder agreement carefully before signing up for a new credit card to understand all the fees associated with it.

Rewards

If you are a business owner who shops on the Amazon site, you can expect a number of great rewards. For starters, an Amazon credit card for business allows prime members to earn 5% back on Amazon purchases, which can add up quickly if you’re a regular shopper. You’ll also get 2% back at gas stations and restaurants and 1% back on all other purchases. There are also many other great rewards with an excellent rate, depending on the card you qualify for.

Benefits

Finally, if you’re an Amazon customer, you may be eligible for a business credit card with special perks and benefits. This is worth considering because you can enjoy exclusive discounts and offers. If you often travel for business, you’ll appreciate the travel benefits of an Amazon credit card. You can get deals on airfare, hotels, and rental cars and earn reward points that can be redeemed for travel expenses. 

Another great perk of some Amazon business credit cards is the buying protection feature. This feature protects your purchases from damage or theft for up to 120 days. So if you buy something for your business and it’s damaged or stolen, you can get a refund or replacement. Plus, you can manage your account online and track your spending to help keep your business finances in order.

Featured Snippet Image

Top-rated Amazon Business Credit Cards

  1. Amazon Business Prime American Express Card

  2. Amazon Business American Express Card

  3. Amazon Prime Rewards Visa Signature Card

  4. Amazon Rewards Visa Signature

  5. American Express Blue Business Cash Card

Conclusion 

Those are our top picks for Amazon business credit cards. Now it’s time for you to decide which one is the best fit for your small business. Consider what type of rewards you want, how much you spend each month, and whether you want a card with no annual fee or one that offers extra perks. Once you’ve narrowed it down, read the reviews and apply online. It only takes a few minutes and can help get your business off to a strong start.

FAQ
What is an Amazon business credit card?

The Amazon business credit card is a credit card designed for businesses that frequently shop on Amazon. This card can help businesses to manage their finances and earn rewards. The card also offers some protection and benefits, such as extended warranty coverage and purchase protection.

What is the minimum credit score for an Amazon card?

Amazon does not disclose what credit score is needed for the card. However, applicants with a higher credit score are more likely to be approved for the card. Applicants with a lower credit score may still be able to get the card, but they may have to pay a higher interest rate. 

What are the benefits of an Amazon business credit card?

An Amazon credit card’s benefits include no annual fee, up to 5% back on Amazon purchases, and 2% back at gas stations and restaurants. Lucrative welcome bonuses are also part of Amazon’s credit card offer. 

Do you have to have a business for Amazon business credit card?

You don’t need a business to have an Amazon business credit card; all Amazon customers are eligible for it. Business owners may get more value from the card because of the extra rewards and benefits.