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When it comes to financing your business, Amazon has some amazing options. These cards offer a cash back/ points rewards and other benefits that can help you grow your company while also building up credit score. Here are the best of the bunch!
The best Amazon business credit cards provide excellent rewards on Amazon purchases, making them great for company owners who spend a lot of money on Amazon. While most business credit cards give 1% cashback on Amazon purchases, these cards offer up to 5% cashback and up to $125 in extra gift cards. Despite the fact that some cards need Amazon Prime membership, none of the cards on our list have an annual cost.
American Express Card for Amazon Business Prime
- Eligible Prime Members get a $125 Amazon.com Gift Card upon approval for the American Express Card for Amazon Business Prime.
- With a qualified Prime membership, you may get 5% back or 90-day terms on purchases made in the United States at Amazon.com, Amazon Business, AWS, and Whole Foods Market. You’ll get 5% back on your first $120,000 in purchases each calendar year, and 1% back after that.
- 2% back at U.S. restaurants, petrol stations, and cellular phone services bought directly from U.S. suppliers
- 1% cashback on all other purchases
- There is no annual fee.
- Amazon and Amazon Company provide a large product variety to support your business, as well as American Express service. Keep your concentration on your key business concerns, knowing that we’ve got your back.
- You may select when to redeem non-expiring prizes. Redeem your points for millions of things at Amazon.com and Amazon Business (US) at checkout, or apply them to a transaction on your statement.
- Terms and conditions apply.
Pros
- Upon acceptance, you will get a $125 Amazon gift card.
- At Amazon-owned companies, you may get 5% back or 90 days of interest-free credit.
Cons
- Outside of Amazon-owned firms, the pay is mediocre.
- When compared to other business credit cards, the 0% APR offer is brief.
Features
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Why we like it:
The American Express Card for Amazon Business Prime is the all-around best business credit card for business owners who make frequent Amazon purchases. This card earns up to 5% back at Amazon.com, Whole Foods, Amazon Business, and Amazon Web Services. If you’re a heavy Prime Amazon business user, this card’s high rewards and the $125 bonus gift card upon approval should prove to be beneficial.
You’ll also have the option of earning awards or negotiating payment conditions. Those who choose payment arrangements may make purchases on Amazon without paying interest for 90 days. You may also modify your benefits option to future purchase incentives at any time.
You’ll also get the second-highest points on restaurant, gas station, and telephone purchases with this card. Although you won’t have to pay an annual subscription for these services, you’ll need an Amazon Business Prime membership to qualify. Standard Prime subscriptions are $119 per year, while business Prime memberships are $179 per year.
American Express Card for Amazon Business
- Get a $100 Amazon.com Gift Card upon approval for the American Express Card for Amazon Business.
- On purchases made in the United States at Amazon.com, Amazon Business, AWS, and Whole Foods Market get 3% back or 60-day terms. You’ll get 3% back on your first $120,000 in purchases each calendar year, and 1% back after that.
- 2% back at U.S. restaurants, petrol stations, and cellular phone services bought directly from U.S. suppliers.
- 1% cashback on all other purchases
- There is no annual fee.
- Amazon and Amazon Company provide a large product variety to support your business, as well as American Express service. Keep your concentration on your key business concerns, knowing that we’ve got your back.
- You may select when to redeem non-expiring prizes. Redeem your points for millions of things at Amazon.com and Amazon Business (US) at checkout, or apply them to a transaction on your statement.
- Terms and conditions apply.
Pros
- Upon acceptance, you will get a $100 Amazon gift card.
- At Amazon-owned companies, you may get 3% back or 60 days of interest-free credit.
Cons
- APR introductory term of 0% for a limited time
- Non-Amazon-owned firms get average rewards.
Features
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Why we like it:
If a Business Prime membership isn’t a priority, the American Express Card for Amazon Business is a solid pick. This card earns 3% back on purchases made at Amazon.com, Whole Foods Market, Amazon Business, and Amazon Web Services. If you don’t want rewards, you can also choose interest-free payment terms for 60 days.
You may change your card features at any time, including payment conditions and incentives. Although the cashback option generates rewards on all transactions, you’ll additionally get 2% back on restaurant, petrol, and mobile service purchases if you use your card.
Visa Signature Card with Amazon Prime Rewards
- When your credit card is approved, you’ll get a $70 Amazon.com gift card right away.
- Amazon.com and Whole Foods Market are both offering a 5% discount.
- 2% back at restaurants, petrol stations, and pharmacies
- All purchases will earn you 1% cashback.
Pros
- Ongoing incentives on Amazon and Whole Foods Market purchases are excellent.
- On Amazon.com, you may use your rewards right now.
- Upon acceptance, you will get a free Amazon gift card.
Cons
- An Amazon Prime subscription, which starts at $119, is required.
- There is no 0% APR term.
- Only one Amazon Prime membership may receive top-tier benefits.
Features
- Extended Warranty: Extends the time length of the US manufacturer’s warranty for qualified warranties of three years or less by an extra year.
- Luggage delay insurance: For baggage delays of more than six hours, you may be compensated up to $100 per day for up to three days.
- Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you; coverage is limited to $500 per incident and $50,000 per account per year.
Why we like it:
The Visa Signature Card with Amazon Prime Rewards offers 5% cashback on all Amazon.com and Whole Foods purchases, so it’s a great personal card for frequent Amazon shoppers. This card also comes with a $70 gift card that can be applied instantly to your Amazon account upon card approval.
This card also allows you the choice of earning cashback rewards or opting for 90-day payment arrangements with no interest. If you choose recurring rewards, you’ll get cashback on purchases other than Amazon and Whole Foods. You’ll also get 2% cashback on purchases made at restaurants, petrol stations, and pharmacies.
To be eligible for this card, you must have a regular Amazon Prime subscription. For personal accounts, Amazon subscriptions start at $119. You won’t be able to use this card to develop company credit since it’s a personal credit card.
Visa Signature Card with Amazon Rewards
- Amazon.com and Whole Foods Market are both offering a 3% discount.
- Restaurants, petrol stations, and drugstores in the United States will get a 2% rebate.
- On all other purchases, you’ll get 1% back.
Pros
- Upon acceptance, you will get a free Amazon gift card.
- Amazon.com makes it simple to redeem rewards.
- There are no restrictions on how much you may earn.
Cons
- Offer of low initial incentives
- There is no 0% APR term.
- Cash may only be redeemed in small amounts.
Features
- Extended warranty: Extends the manufacturer’s warranty in the United States for an extra year on qualified warranties of three years or less.
- Luggage delay insurance: For baggage delays of more than six hours, you may be compensated up to $100 per day for up to three days.
- Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you; coverage is limited to $500 per incident and $50,000 per account per year.
Why we like it:
The Visa Signature Card with Amazon Rewards is a consumer credit card designed to give top rewards on Amazon purchases for non-Prime members. This is also a great option for business owners who can’t qualify for a business credit card. Plus, it’s cheaper to own than the Visa Signature Card with Amazon Prime Rewards, which is available only with a Prime membership. However, it offers slightly lower rewards—3% vs 5%—on Amazon purchases.
Just like the Prime version of this card, the Visa Signature Card with Amazon Rewards earns 2% cashback at restaurants, gas stations, and drugstores. Additionally, you’ll get a $50 gift card upon approval as a welcome bonus that you can use on future purchases. However, because this is a personal credit card, you can’t use this card to build business credit.
The American Express Blue Business CashTM Card
- After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
- Earn 2% cashback on all qualifying purchases up to $50,000 per calendar year, after which you’ll get 1%. Earned cash back is immediately added to your account.
- Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
- Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- For the first 12 months after account creation, you’ll get a 0% intro APR on purchases, followed by a variable rate of 13.24 percent to 19.24 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
- There is no annual fee.
- Terms and Conditions apply.
Pros
- For the next 12 months, there is no interest.
- On every purchase, get a constant 2% cashback incentive.
Cons
- There is no sign-up incentive in the form of money.
- The 2% cashback category has a limit of $50,000 in yearly expenditure.
Features
- Extended warranty protection: American Express provides up to an additional year of coverage on warranties of up to 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
- Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier, such as a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.
Why we like it:
The American Express Blue Business CashTM Card is a credit card issued by American Express. is one of the best business cards for owners looking for steady cashback rewards on Amazon purchases. Although it’s not an Amazon-branded card, this card still earns 2% cashback on all purchases, including Amazon-related purchases. Plus, you’ll get a 0% introductory APR period that’s longer than any other card on our list.
This is a wonderful card for those who desire premium American Express benefits like increased purchasing power without paying a high annual fee. You may use this card to make purchases over your credit limit without paying an over limit charge. The function of increased purchasing power is restricted and is based on your card use and payment history, among other things.
How We Decided on the Best Amazon Business Credit Cards
When selecting cards for this list, we focused on those that provide substantial continuing benefits for Amazon purchases. We considered welcome incentives, Amazon-specific promotional financing, and annual card or Prime membership costs in addition to continuous benefits. The top Amazon business credit cards provide up to 5% cashback on purchases and welcome incentives that may be put immediately into your Amazon account.
Conclusion
The best Amazon business credit card provides you with excellent points that you can use to make Amazon purchases quickly. In addition, these cards sometimes provide introductory bonuses like as free gift cards and statement credits that may be used for future purchases. You’d be better off with a non-Amazon branded card if you’re simply an occasional Amazon shopper.
Frequently Asked Questions
Does Amazon business card build business credit?
Amazon’s business card will not build up your credit score, however, it may help you maintain a good credit rating.
Which credit card is best for Amazon sellers?
For Amazon, a credit card that has no foreign transaction fees would be best.
Does Amazon business report to credit bureaus?
Amazon Business reports to credit bureaus.
